Payday loan consolidation — combine your debts into one instalment
Payday loan consolidation means combining several short-term loans into a single obligation with a lower monthly instalment. The lowest APR in April 2026 is offered by Bank Pekao — 8.29%. Consolidation amounts range from PLN 1,000 to PLN 150,000.
Do you have several unpaid payday loans and struggle to keep up with repayments? Payday loan consolidation is a solution that lets you combine all your debts into one lower monthly instalment. Compare consolidation loan offers from banks and loan companies to find the best terms and regain control of your finances.
Payday loan consolidation — best offers April 2026
Comparison of 4 consolidation loan offers from banks and loan companies. Data updated in real time.
Bank Pekao
Pożyczka Konsolidacyjna
RRSO
8,29%
Oprocentowanie
7,99%
Rata
488 zł
BNP Paribas Bank Polska
Pierwsza Pożyczka
RRSO
8,83%
Oprocentowanie
8,49%
Rata
493 zł
Alior Bank
Internetowy Kredyt Konsolidacyjny
RRSO
9,15%
Oprocentowanie
8,79%
Rata
496 zł
Santander Consumer Bank
Kredyt konsolidacyjny
RRSO
12,67%
Oprocentowanie
11,99%
Rata
527 zł
* 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.
* Data presented comes from Bankier.pl and is updated in real time. Final loan terms 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 consolidate payday loans step by step?
Instructions for consolidating several payday loans into one obligation.
- 1
Add up your debts
List all your payday loans — amounts outstanding, due dates and costs. Check the total amount of your obligations.
- 2
Compare consolidation offers
On kreddo.pl compare the terms of banks and loan companies. Pay attention to APR and the total loan cost.
- 3
Apply for consolidation
Fill in the online application, providing a list of debts to consolidate, amounts and lender details.
- 4
Old payday loans paid off
After a positive decision, the consolidation company pays off your payday loans and you pay one single instalment.
People also ask
Is payday loan consolidation worth it?
Payday loan consolidation is worthwhile when the total monthly instalment after consolidation is lower than the sum of your current instalments, and the total cost of the consolidation loan does not significantly exceed the sum of the costs of your existing debts. It is worth calculating carefully before deciding.
Can a bank refuse to consolidate payday loans?
Yes, banks may refuse to consolidate payday loans if the customer has insufficient creditworthiness, negative entries in BIK or excessively high debt. In that case, it is worth considering consolidation with a non-bank loan company, which has more lenient criteria.
Frequently Asked Questions
How does payday loan consolidation work?
Payday loan consolidation involves taking out a single loan that covers all your existing payday loans. Instead of repaying several debts to different lenders, you pay one lower monthly instalment. The consolidation company pays off your existing debts and you repay the new obligation on better terms.
Can I consolidate payday loans from different companies?
Yes, payday loan consolidation lets you combine debts from different loan companies into one. You can consolidate loans from Lendon, Vivus, Wonga and others — regardless of how many lenders you have. The total amount must fit within the consolidation loan limit.
Will consolidating my payday loans lower my monthly payment?
In most cases, yes. Consolidation spreads the debt over a longer period, which significantly reduces the monthly instalment. Bear in mind, however, that a longer repayment term means a higher total loan cost. Before you decide, compare the total cost of consolidation with the sum of costs on your current payday loans.
What are the requirements for payday loan consolidation?
Requirements depend on the institution. Loan companies typically require: age 18–21, a steady income, Polish citizenship and a bank account. Banks have stricter criteria — they require a positive BIK history and higher income. Non-bank companies are more flexible.
How much does payday loan consolidation cost?
The cost of payday loan consolidation depends on the amount, repayment period and institution. The lowest APR in April 2026 is offered by Bank Pekao — 8.29%. Banks offer the lowest interest rates but require better creditworthiness. Non-bank companies are more expensive but easier to access.