Payday loans ranking
At most firms the first payday loan is free (0% APR) — you repay exactly what you borrow. Subsequent loans are paid, so before deciding compare the maximum amount, the repayment period and the total amount to repay, not just the interest rate.
A comparison of current payday-loan offers from lenders in the KNF register. Amounts, periods and payout times come from our verified lender profiles, and you will find a representative example with each offer.
Best payday loans — July 2026
8 offers from lending firms. Offers with the first loan free are at the top of the ranking.
Smart Pożyczka — Cash loan
Cash loan up to PLN 7,000 — first loan for PLN 0, fast payout.
Cash loan up to PLN 7,000 — first loan for PLN 0, fast payout.
Details
Pożyczka Plus — Fast online loan
Fast online loan — minimal paperwork, decision in a few minutes.
Fast online loan — minimal paperwork, decision in a few minutes.
Details
Szybka Gotówka — Non-bank loan
Non-bank loan — cash for any purpose, without unnecessary paperwork.
Non-bank loan — cash for any purpose, without unnecessary paperwork.
Details
Vivigo — First loan on promotion
First loan up to PLN 5,000 for 61 days — 0% APR, fully online.
First loan up to PLN 5,000 for 61 days — 0% APR, fully online.
Details
Avinto — Payday loan
Fast online payday loan — simple process, minimal paperwork.
Fast online payday loan — simple process, minimal paperwork.
Details
Creditu — Cash loan
Online cash loan — fast decision, money in your account within 15 minutes.
Online cash loan — fast decision, money in your account within 15 minutes.
Details
Wonga — Short-term loan
Short-term loan online — flexible repayment period, transparent terms.
Short-term loan online — flexible repayment period, transparent terms.
Details
Vivigo — Financial offer
Vivigo — see current terms and apply online.
Vivigo — see current terms and apply online.
Details
Borrow responsibly
Only short-term
A payday loan is for a sudden expense, not for ongoing needs. Repay it on time, before the costs grow.
Don’t roll over debt
Repaying one payday loan with another is a debt spiral. If you cannot repay, contact the firm.
Read the agreement
Check the APR, the commission and rollover fees. The total amount to repay tells you more than the interest rate alone.
The order reflects the offer terms, not the partner’s commission. Our methodology →
* The offers shown come from partner firms. Amounts, periods and payout times come from our verified lender profiles — “—” means a value we did not confirm. The cost of a loan depends on the amount and repayment period; before signing the agreement, review the representative example and the terms on the lender’s site.
Źródła i podstawa prawna
- 1. Act of 12 May 2011 on consumer credit (cap on non-interest costs) — ISAP
- 2. KNF register of lending institutions — KNF
- 3. UOKiK materials on short-term loans — UOKiK
Stan prawny i dane liczbowe zweryfikowane przez redakcję kreddo.pl. Jeśli zauważyłeś nieaktualne źródło — daj nam znać.
Frequently Asked Questions
Is the first payday loan really free?
Yes — new customers usually get their first loan at 0% APR. You repay exactly what you borrow, provided you repay on time.
How much does the next payday loan cost?
Subsequent loans are paid — the APR can exceed 1000%. Always check the total amount to repay, not just the interest rate.
Can I get a payday loan without BIK?
Some firms only check internal databases and lend to people with a thin BIK history. The terms and costs are then usually less favourable — see the ranking of loans without BIK.
How quickly will I get the money?
After a positive decision the payout usually reaches your account within minutes. It is fastest when you have an account at the same bank as the lender.
