Instalment loan — comparison of the best offers 2026
An instalment loan is a non-bank loan repaid in monthly instalments over a period of 3 to 48 months. Amounts from PLN 250 to PLN 15,000. The first instalment loan may be free (0% APR). It is a convenient alternative to a payday loan.
Compare the best instalment loans available in Poland. We check APR, instalment amounts, repayment period and eligibility conditions. Choose the offer that best fits your budget.
Best instalment loans — July 2026
Comparison of instalment loans with the most favourable terms.
SuperGrosz
Installment loan
Online installment loan — convenient repayment in installments, fast decision.
Wonga
Installment loan
Installment loan — flexible installments, option of early repayment.
taRata
Online loans
Online installment loan — transparent terms, convenient repayment.
Provident
naCoDzień loan
naCoDzień loan via an adviser — from PLN 1,000 to 20,000 for 12–48 months.
Provident
Self-service loan
Self-service naCoDzień loan — from PLN 1,000 to 30,000 for 12–48 months, fully online.
Zaplo
Cash loan
Loan without income certificates from PLN 1,000 to 9,600 — installments 3 to 12 months, APR 77.80%.
Smartney
Online installment & consolidation loan
Online cash or consolidation loan — APR from 14.65%, promotions for new customers.
Miniratka
Non-bank loan
Installment loan up to PLN 150,000 — minimal paperwork, fully online, APR 15.01%.
RataPro
Installment loan
Installment loan from PLN 1,000 to 60,000 in 1–48 installments — simple online application, APR 68.26%.
* Offers presented come from partner companies. Loan costs depend on the chosen company, amount and repayment period. Before signing the agreement, read the terms on the lender's website.
How to take out an instalment loan?
Guide to the instalment loan application process.
- 1
Compare offers
Check APR and instalment loan terms on kreddo.pl.
- 2
Choose the amount and repayment period
Match the instalment to your budget — it should not exceed 30% of your income.
- 3
Fill in the application
Provide personal details and income information. This takes 5–10 minutes.
- 4
Receive the money
After a decision, the money will reach your account within 1–24 hours.
People also ask
Which instalment loan is the cheapest?
The cheapest are first instalment loans with 0% APR (e.g. Wonga). Among regular offers, Bocian Pożyczki has the lowest APR (42%). However, a bank loan is always cheaper than a non-bank loan.
Can I get an instalment loan without BIK?
Some companies offer instalment loans without checking BIK, e.g. Bocian Pożyczki and Provident. Amounts may be limited and interest rates higher than in the standard offer.
Frequently Asked Questions
What is an instalment loan?
An instalment loan is a non-bank loan that you repay in monthly instalments over a period of 3 to 48 months. It is more convenient than a payday loan because repayment is spread over a longer time.
How much does an instalment loan cost?
The cost of an instalment loan depends on the amount, term and loan company. APR ranges from 0% (first loan) to around 50–60%. Example: PLN 5,000 over 24 months at 42% APR — instalment approx. PLN 290/month.
Can I repay an instalment loan early?
Yes, under the Consumer Credit Act you have the right to repay early at any time. The company must reduce the costs proportionally to the shortened period.
What conditions must be met?
Requirements: age 18–75, Polish citizenship, national ID, regular income and a bank account. Some companies require proof of earnings for larger amounts.
Instalment loan or credit — which is better?
A bank loan is cheaper (lower APR) but harder to obtain. An instalment loan is faster and easier to access but more expensive. If you have good creditworthiness, choose a bank loan.
