Quick loan — money in your account in 15 minutes
A quick loan is a non-bank loan with express payout — money can reach your account within 10–15 minutes. The first loan is free (0% APR). Amounts from 100 to 15,000 PLN, without certificates.
Need money right now? Compare the fastest online loans with express payout. We check transfer times, costs and conditions so you can choose the best quick loan offer.
Fastest online loans — July 2026
Comparison of loans with the shortest payout time.
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.
* 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 a quick loan?
Step by step guide — a quick loan in 15 minutes.
- 1
Choose the amount and company
Compare offers on kreddo.pl. Choose the company with the fastest payout time.
- 2
Fill in the short application
The form takes 3–5 minutes. You only need your identity document.
- 3
Confirm your identity
1 PLN verification transfer or automatic verification.
- 4
Receive the money
Money in your account in 10–15 minutes from the decision.
People also ask
Which loan is the fastest?
The fastest loans are offered by Lendon (10 minutes) and Wandoo (15 minutes). The key is the bank where you hold your account — express transfers are faster than regular bank transfers.
Can I get a quick loan with a negative BIK?
Some companies offer quick loans without checking BIK, e.g. Wandoo. However, the offer may be limited in terms of amount. Check our listing of loans without BIK.
Frequently Asked Questions
How quickly can I get a loan?
The fastest loans reach your account within 10–15 minutes of a positive decision. The key is having an account at a bank that supports express transfers (e.g. Blue Media).
What is a quick loan?
A quick loan is a non-bank loan in which the entire process — from application to payout — takes a maximum of 30 minutes. It does not require certificates or a branch visit.
Can I take a quick loan at night?
Yes, many loan companies operate 24/7. You can submit an application at any time, but the payout may only happen during banking hours unless the company offers instant transfers.
What conditions must be met?
Basic requirements are: age 18–75, Polish citizenship, an identity document, a bank account in your name and an active phone number. You do not need proof of earnings.
Is a quick loan expensive?
The first quick loan is usually free (0% APR). Subsequent loans cost approximately 20–30% of the borrowed amount per 30 days. Always compare APR before making a decision.
