Loan for indebted people — ranking of offers 2026
A loan for indebted people is non-bank financing available to people with existing obligations or a negative credit history. Companies such as Lendon, Wandoo and Bocian Pożyczki use individual assessment and accept applications from people with debts, provided they have regular income.
Do you have debt and need additional financing? Compare offers from loan companies that do not automatically reject applicants with a negative BIK or KRD history. The ranking below includes companies with the highest acceptance rate for indebted people. However, remember that before taking out another loan it is worth considering consolidation or restructuring of existing debt.
Best loans for indebted people — July 2026
Avinto
Payday loan
Fast online payday loan — simple process, minimal paperwork.
Creditu
Cash loan
Online cash loan — fast decision, money in your account within 15 minutes.
Smart Pożyczka
Cash loan
Cash loan up to PLN 7,000 — first loan for PLN 0, fast payout.
Pożyczka Plus
Fast online loan
Fast online loan — minimal paperwork, decision in a few minutes.
Wonga
Short-term loan
Short-term loan online — flexible repayment period, transparent terms.
Szybka Gotówka
Non-bank loan
Non-bank loan — cash for any purpose, without unnecessary paperwork.
Vivus
First loan on promotion
First loan up to PLN 5,000 for 61 days — 0% APR, fully online.
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%.
How to get a loan for indebted people?
Step by step guide to getting a loan when you have existing obligations.
- 1
Check your financial situation
Calculate the total of all obligations and check how much you can allocate to a new instalment. Download a free BIK report.
- 2
Choose a company that accepts indebted applicants
Compare offers on kreddo.pl — choose a company with flexible assessment and the best terms for people with debts.
- 3
Submit an online application
Fill in the form providing truthful data about your income and obligations. Do not hide debts — companies will check anyway.
- 4
Receive the money
After a positive decision, funds will reach your account within 15–30 minutes or you will receive them in cash (Bocian Pożyczki).
People also ask
Can a person with a bailiff order get a loan?
Theoretically yes, but it is very difficult. Most loan companies reject applications from people with active enforcement proceedings. Exceptions may be companies offering cash payouts in person, such as Bocian Pożyczki. However, taking loans during enforcement may worsen the financial situation.
How many loans can you have at the same time?
There is no legal limit on the number of loans, but each additional one lowers creditworthiness. Loan companies check the number of active obligations and may refuse if they consider the burden too high. Having 3–4 active loans, obtaining another will be very difficult.
Frequently Asked Questions
Can I get a loan while in debt?
Yes, many non-bank companies lend to indebted people. Companies such as Lendon, Wandoo and Bocian Pożyczki use individual creditworthiness assessment and do not automatically reject applicants with existing debt. The key is having regular income sufficient to repay a new obligation.
What conditions must be met to get a loan for indebted people?
Basic requirements are: age 18 (or 20 at some companies), Polish citizenship or permanent residency, an active phone number and a bank account in your name. The most important thing is demonstrating regular income — even if you have other obligations, the company will assess whether you can afford to repay a new loan.
Does a bailiff order block the possibility of getting a loan?
A bailiff levy on a bank account significantly complicates getting a loan, but does not always exclude it. Some companies, like Bocian Pożyczki, offer cash payouts in person, bypassing a frozen account. However, taking on new obligations during enforcement proceedings deepens the debt spiral.
How much does a loan for indebted people cost?
Costs are usually higher than standard offers. APR can range from 0% (first loan free) to even 200% for subsequent ones. Instalment loans with home service have APR in the range of 50–100%. Always compare the total cost of the loan before signing a contract.
What are the alternatives to a loan when I have debts?
Consider debt consolidation, which combines several obligations into one lower instalment. You can also negotiate repayment terms with existing creditors or seek free advice at a debt counselling centre. In extreme cases, consumer bankruptcy is an option that allows debt relief under court supervision.
