Loans without BIK and KRD via the internet — ranking 2026
Loans without BIK and KRD are offers from loan companies that do not check credit history at the Credit Information Bureau or the National Debt Register. Companies such as Feniko, NetCredit and ExtraPortfel offer loans up to 10,000 PLN online, often with the first loan free.
Looking for an online loan but have entries in BIK or KRD? There are loan companies that do not verify clients against these databases. Instead, they check current income and bank transaction history. Below you will find a ranking of loans without BIK and KRD — compare offers, APR and conditions to choose the most advantageous financing.
Loans without BIK and KRD — 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 without BIK and KRD online?
Step by step guide to getting a loan without BIK and KRD check via the internet.
- 1
Choose a lender that does not check BIK and KRD
Compare offers on kreddo.pl — choose a company that does not verify against debtor databases.
- 2
Fill in the online application
Enter your personal details, income level, loan amount and preferred repayment date.
- 3
Verify your identity
Make a quick 1 PLN verification transfer or confirm your details via the bank app.
- 4
Receive the money in your account
After a positive decision, the loan will reach your bank account within 10–30 minutes.
People also ask
Can I get a loan if I am in KRD?
Yes, some loan companies grant loans to people listed in KRD. They either do not check this database or treat KRD entries as just one of many assessment criteria. Amounts may be lower and conditions less favourable than for people without entries.
How many loan companies check KRD before granting a loan?
Around 60–70% of loan companies in Poland check KRD as part of customer verification. The remaining 30–40% use alternative risk assessment methods, such as bank statement analysis or income verification, which gives a chance to people with KRD entries.
Frequently Asked Questions
What is KRD and how does it affect getting a loan?
KRD (Krajowy Rejestr Długów — National Debt Register) is a debtor database maintained by BIG InfoMonitor. An entry in KRD means you have an outstanding obligation of over 200 PLN that is overdue by at least 30 days. Many loan companies check KRD and refuse loans to people with entries.
What is the difference between BIK and KRD?
BIK (Credit Information Bureau) collects the history of all credit obligations — both repaid on time and overdue. KRD (National Debt Register) contains only information about unpaid debts. A negative entry in KRD is more serious than a low BIK score, as it indicates active indebtedness.
Which loan companies do not check BIK and KRD?
Companies providing loans without verification in BIK and KRD include Feniko, NetCredit, ExtraPortfel, Kuki and Via SMS. These companies use their own risk assessment methods — they analyse the customer's income and banking history instead of traditional debtor databases.
Is a loan without BIK and KRD via the internet safe?
Yes, provided the company is listed in the register of lending institutions maintained by the KNF. Legitimate lenders must comply with the consumer credit act, including the non-interest cost limit. Check the KNF registration number before submitting an application.
How to remove an entry from KRD?
An entry in KRD will be removed after the debt is paid — the creditor is obliged to delete the entry within 14 days of the debt being settled. You can also contest an entry if you consider it unjustified. After 10 years the entry expires automatically, but early repayment is definitely better for your history.
