New payday loans for the indebted — ranking 2026
New payday loans for the indebted are offers from recently established lending companies that accept people with a negative credit history. Companies such as Finbo, CashBerry, and Pożyczka Plus offer amounts up to 12,000 PLN without BIK verification, with the first loan free of charge.
Looking for a new payday loan despite having debt? New lending companies on the market apply more lenient assessment criteria, which increases the chance of a positive decision. Below you will find a ranking of new payday loans for the indebted — compare offers and choose the best one for you. Remember to borrow responsibly and repay on time.
New payday loans for the indebted — 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 obtain a new payday loan while indebted?
Step by step on how to take a payday loan from a new lending company despite debt.
- 1
Compare new lending companies
Check the ranking on kreddo.pl and choose a company that accepts indebted persons with the best terms.
- 2
Fill in the online application
Enter your details, the payday loan amount, and the repayment date. The whole process takes 5–10 minutes.
- 3
Complete verification
Make a 1 PLN verification transfer or confirm your identity via a banking app.
- 4
Receive the money
After a positive decision, the funds will arrive in your account in as little as 10 minutes.
People also ask
Which new lending companies give payday loans to the indebted?
New lending companies accepting indebted persons include Finbo, CashBerry, Pożyczka Plus, KredytoMat, and SzybkaMoneta. These companies use their own risk assessment algorithms and do not rely solely on BIK data.
How many times can I take a payday loan from a new company as an indebted person?
The number of payday loans depends on the policy of the given company. Usually, after timely repayment of the first loan, you can apply for further ones, and the amount limit increases. Remember not to fall into a debt spiral.
Frequently Asked Questions
What are new payday loans for the indebted?
New payday loans for the indebted are offers from recently established lending companies that apply more lenient customer assessment criteria. This gives people with a negative credit history or existing debt a greater chance of obtaining financing.
Why do new lending companies grant payday loans to the indebted more easily?
New lending companies need to build a customer base, so they use less restrictive verification procedures. They often do not check BIK or KRD, and instead focus on the current ability to repay the commitment based on current income.
What amounts can I expect as an indebted person?
New payday loans for the indebted offer amounts from 100 to 12,000 PLN. The first loan is usually lower (up to 3,000 PLN), but the limit grows with subsequent applications. Many companies offer the first payday loan free of charge.
Are new payday loans for the indebted safe?
Yes, provided that the company is registered in the KNF register of lending institutions. Before submitting an application, check the company's registration number in the register. Legitimate lending companies are subject to financial supervision and must comply with the Consumer Credit Act.
Can I take a new payday loan if I have outstanding liabilities?
Many new lending companies accept customers with existing liabilities, provided they have a regular income. However, bear in mind that taking out additional payday loans with existing debt may worsen your financial situation. Consider debt consolidation.
