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 — April 2026
Avinto
Chwilówka
Szybka chwilówka online — prosta procedura, minimum formalności.
Creditu
Pożyczka gotówkowa
Pożyczka gotówkowa online — szybka decyzja, pieniądze na koncie w 15 minut.
Smart Pożyczka
Pożyczka gotówkowa
Pożyczka gotówkowa do 7 000 zł — pierwsza za 0 zł, szybka wypłata.
Pożyczka Plus
Szybka pożyczka online
Szybka pożyczka online — minimum formalności, decyzja w kilka minut.
Wonga
Pożyczka krótkoterminowa
Pożyczka krótkoterminowa online — elastyczny okres spłaty, przejrzyste warunki.
Szybka Gotówka
Pożyczka pozabankowa
Pożyczka pozabankowa — gotówka na dowolny cel, bez zbędnych formalności.
SuperGrosz
Pożyczka ratalna
Pożyczka ratalna online — wygodna spłata w ratach, szybka decyzja.
Wonga
Pożyczka ratalna
Pożyczka ratalna — elastyczne raty, możliwość wcześniejszej spłaty.
taRata
Pożyczki online
Pożyczka ratalna online — przejrzyste warunki, wygodna spłata.
Provident
Pożyczka Prima Odroczona
Pożyczka z odroczoną pierwszą ratą — czas na zebranie środków na spłatę.
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.