Consolidation loan — comparison of offers 2026
A consolidation loan merges several debts (loans, cards, payday loans) into one with a single lower monthly instalment — via a lower rate or a longer term. The lowest consolidation-loan APR in July 2026 is offered by Bank Pekao — 8.19%.
Compare consolidation-loan offers from leading banks in Poland. The comparison covers APR, interest rate and fees to help you merge your debts into one, as cheap as possible, instalment. Calculate your saving in the consolidation calculator before you apply.
Consolidation loan ranking — July 2026
Comparison of 5 consolidation-loan offers from banks in Poland. Data updated in real time.
Bank Pekao
4.3Najlepsza oferta
Raiffeisen Digital Bank
4.1
Alior Bank
4.3
Erste Bank Polska
4.3
BNP Paribas Bank Polska
4.2* Przedstawione dane mają charakter informacyjny i nie stanowią oferty w rozumieniu Kodeksu Cywilnego. Ostateczne warunki kredytu ustalane są indywidualnie przez bank. Klikając „Sprawdź ofertę” zostaniesz przekierowany na stronę partnera.
Offers are ranked by real cost (APR), not by partner commission. Our methodology →
* Data presented comes from Bankier.pl and is updated in real time. Final terms of the consolidation loan are determined individually by the bank based on creditworthiness assessment. kreddo.pl is not a credit intermediary within the meaning of the Consumer Credit Act.
How to take out a consolidation loan?
Step by step guide to merging your debts into one consolidation loan.
- 1
Gather your debts
List every loan, card and payday loan: balance, instalment and remaining term. Sum the debt and the total instalment.
- 2
Calculate the saving
Enter the debts into the consolidation calculator on kreddo.pl — see the new instalment, monthly saving and total-cost difference.
- 3
Compare bank offers
Check APR and conditions in the ranking above. Watch for the commission and any required insurance.
- 4
Apply
Choose an offer and apply online or in branch. The bank repays your existing debts directly to the creditors.
People also ask
Does consolidation hurt my BIK history?
Consolidation itself does not lower your score — you close old debts and open one new one. One on-time instalment is often easier to service than several, which improves your history over time. Only missing a payment on the new loan hurts it.
Consolidation loan or a cash loan to pay off debts?
A consolidation loan is designed for merging debts — the bank often repays creditors directly and accepts more loans. A plain cash loan can be cheaper for smaller amounts but requires you to clear the old debts yourself. Compare the APR of both.
Frequently Asked Questions
What is a consolidation loan?
A consolidation loan combines several of your debts (cash loans, credit cards, instalment and payday loans, overdrafts) into one loan with a single, usually lower monthly instalment — thanks to a lower interest rate or a longer repayment period. The lowest consolidation-loan APR in July 2026 is offered by Bank Pekao — 8.19%.
Is a consolidation loan worth it?
It is worth it when it lowers your monthly instalment enough to restore your cash flow, or when the new APR is clearly lower than the average rate of your current debts. Note: extending the repayment period reduces the instalment but often increases the total interest cost. Calculate both scenarios in our consolidation calculator first.
Which debts can be consolidated?
Most commonly: cash loans, credit cards, account overdrafts, instalment loans and non-bank (payday) loans, and sometimes a car loan. Some banks let you add extra cash for any purpose to the consolidation.
Can I get a consolidation loan with a BIK entry?
It depends on the type of entry. Currently-serviced loans (even several) do not rule out consolidation — that is its natural use case. Active arrears and negative entries are the problem. With a difficult BIK history, consider non-bank lenders or our page for indebted borrowers.
How much can I borrow with a consolidation loan?
The amount depends on your creditworthiness and the total of the debts being consolidated. Unsecured consolidation typically reaches PLN 150,000–250,000, while mortgage-secured consolidation goes much higher. The maximum term is usually 10–12 years (longer with mortgage collateral).
