Loan for indebted people — ranking of offers 2026
A loan for indebted people is non-bank financing available to people with existing obligations or a negative credit history. Companies such as Lendon, Wandoo and Bocian Pożyczki use individual assessment and accept applications from people with debts, provided they have regular income.
Do you have debt and need additional financing? Compare offers from loan companies that do not automatically reject applicants with a negative BIK or KRD history. The ranking below includes companies with the highest acceptance rate for indebted people. However, remember that before taking out another loan it is worth considering consolidation or restructuring of existing debt.
Best loans for indebted people — 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 get a loan for indebted people?
Step by step guide to getting a loan when you have existing obligations.
- 1
Check your financial situation
Calculate the total of all obligations and check how much you can allocate to a new instalment. Download a free BIK report.
- 2
Choose a company that accepts indebted applicants
Compare offers on kreddo.pl — choose a company with flexible assessment and the best terms for people with debts.
- 3
Submit an online application
Fill in the form providing truthful data about your income and obligations. Do not hide debts — companies will check anyway.
- 4
Receive the money
After a positive decision, funds will reach your account within 15–30 minutes or you will receive them in cash (Bocian Pożyczki).
People also ask
Can a person with a bailiff order get a loan?
Theoretically yes, but it is very difficult. Most loan companies reject applications from people with active enforcement proceedings. Exceptions may be companies offering cash payouts in person, such as Bocian Pożyczki. However, taking loans during enforcement may worsen the financial situation.
How many loans can you have at the same time?
There is no legal limit on the number of loans, but each additional one lowers creditworthiness. Loan companies check the number of active obligations and may refuse if they consider the burden too high. Having 3–4 active loans, obtaining another will be very difficult.
Frequently Asked Questions
Can I get a loan while in debt?
Yes, many non-bank companies lend to indebted people. Companies such as Lendon, Wandoo and Bocian Pożyczki use individual creditworthiness assessment and do not automatically reject applicants with existing debt. The key is having regular income sufficient to repay a new obligation.
What conditions must be met to get a loan for indebted people?
Basic requirements are: age 18 (or 20 at some companies), Polish citizenship or permanent residency, an active phone number and a bank account in your name. The most important thing is demonstrating regular income — even if you have other obligations, the company will assess whether you can afford to repay a new loan.
Does a bailiff order block the possibility of getting a loan?
A bailiff levy on a bank account significantly complicates getting a loan, but does not always exclude it. Some companies, like Bocian Pożyczki, offer cash payouts in person, bypassing a frozen account. However, taking on new obligations during enforcement proceedings deepens the debt spiral.
How much does a loan for indebted people cost?
Costs are usually higher than standard offers. APR can range from 0% (first loan free) to even 200% for subsequent ones. Instalment loans with home service have APR in the range of 50–100%. Always compare the total cost of the loan before signing a contract.
What are the alternatives to a loan when I have debts?
Consider debt consolidation, which combines several obligations into one lower instalment. You can also negotiate repayment terms with existing creditors or seek free advice at a debt counselling centre. In extreme cases, consumer bankruptcy is an option that allows debt relief under court supervision.