Loans without BIK — ranking of offers 2026
A loan without BIK is a type of non-bank financing that can be obtained without verification at the Credit Information Bureau. It is offered by loan companies such as Lendon, Wandoo and Smart Pożyczka, with amounts from 200 to 15,000 PLN.
Looking for a loan without a BIK check? Compare offers from trusted loan companies. Many of them offer the first loan for free (0% APR). Remember that no BIK verification does not mean no verification at all — companies check your income by other methods.
Best loans without BIK — 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.
How to get a loan without BIK?
Step by step guide to taking a loan without a BIK check.
- 1
Choose a loan company
Compare offers on kreddo.pl and select the company with the best terms.
- 2
Fill in the online application
Enter your personal details, loan amount and repayment period. The process takes 5–10 minutes.
- 3
Verify your identity
Make a 1 PLN verification transfer or use the bank app verification.
- 4
Receive the money
After a positive decision, the money will reach your account within 15–30 minutes.
People also ask
Will everyone get a loan without BIK?
Not everyone. Loan companies check other databases (e.g. KRD, ERIF) and verify income. People with very high debt or without a stable income may have difficulty getting a loan.
Will a loan without BIK appear in BIK after taking it?
Yes, most loan companies report to BIK information about loans granted and their repayment. Timely repayment will improve your BIK score.
Frequently Asked Questions
Can I get a loan without a BIK credit check?
Yes, many loan companies offer loans without checking the BIK credit bureau. Instead, they verify income and repayment capacity based on bank account history and regular incoming payments.
What are the interest rates on loans without BIK?
Interest rates on loans without BIK are typically higher than standard bank loans, ranging from 15% to 100% APR depending on the amount and repayment period. However, many companies offer the first loan at 0%.
How much can I borrow without BIK?
Loan amounts without BIK range from 200 to 15,000 PLN for short-term payday loans, and up to 50,000 PLN for instalment loans. The amount depends on the company and your history as a customer.
How quickly will I receive the money?
Most loan companies pay out within 15–30 minutes of a positive decision. A requirement is having an account at one of the popular banks.
Is a loan without BIK safe?
Yes, as long as you use legitimate loan companies registered with the KNF. Check that the company is listed in the register of lending institutions before submitting an application.
