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 — April 2026
Comparison of loans with the shortest payout time.
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.
* 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.