Online loans — comparison of the best offers 2026
An online loan is a fast non-bank loan granted via the internet for amounts from 100 to 15,000 PLN. The entire process takes place online — from application to funds paid out to the account. The first loan is usually free (0% APR).
Compare the best online loans available in Poland. Our comparison includes costs (APR), payout speed, customer reviews and loan conditions. Find out which offer best suits your needs.
Best online loans — July 2026
Comparison of verified online loans available in Poland.
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%.
* Offers presented come from partner companies. Loan costs depend on the chosen company, amount and repayment period. Before signing the contract, read the lender's terms and conditions.
How to take an online loan?
Step by step — how to get a loan via the internet.
- 1
Compare offers
Check available loans on kreddo.pl and choose the most advantageous offer.
- 2
Fill in the online application
Enter personal details, ID number and bank account number. This takes 5–10 minutes.
- 3
Verify your identity
Make a 1 PLN verification transfer or use automatic verification.
- 4
Receive the money
After a positive decision, money will reach your account in 10–30 minutes.
People also ask
Are online loans legal?
Yes, online loans are fully legal in Poland. Loan companies must be registered as lending institutions, have a minimum share capital of 200,000 PLN and are subject to KNF supervision.
Can I take an online loan without certificates?
Yes, most online loans do not require proof of earnings. An identity document and bank account are sufficient. Companies verify creditworthiness based on data from BIK and KRD.
Frequently Asked Questions
What are online loans?
Online loans are non-bank loans granted via the internet. The entire process — from submitting an application to receiving the money — takes place online, without the need to visit a branch.
How quickly will I receive the money from an online loan?
Most loan companies transfer money to an account within 10–30 minutes of a positive decision. For a first application the time may extend to 1 hour due to verification.
Is an online loan safe?
Yes, as long as you use legitimate loan companies registered in the KNF register of lending institutions. Also check other customers' reviews and read the contract carefully before signing.
What documents are needed for an online loan?
An identity document and a bank account are sufficient. You do not need to provide proof of earnings. Identity verification is done by a 1 PLN verification transfer or automatically.
How much can I borrow online?
The amount of a first online loan is usually from 100 to 10,000 PLN. Regular customers can borrow up to 15,000 PLN. The amount depends on the loan company and your credit history.
