Loan Calculator in Poland

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High amount

Kredty

Loan amount PLN 100 – PLN 150,000

Interest from 10.95%

Min. age 21 years

Duration 0–60 months

Payout Varies

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Representative example: Repayment period: 12-42 months. Minimum APR: 10.95%. Maximum APR: 24.15%. Example: PLN 1,000 for 25 months. APR: 24.51%. Total amount to be repaid: PLN 1,237.80.

High amount

Smartney grupa Oney Bank copy

Loan amount PLN 1,000 – PLN 150,000

Interest from 12.5%

Min. age 21 years

Duration 6–120 months

Payout Varies

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"Attractive" Offer The "Attractive" product offer is valid starting May 22, 2024. and applies to loans ranging from 81,000 PLN to 150,000 PLN, with terms of 98 to 120 months, applied for via the website www.smartney.pl. Representative example for the “Attractive” loan: The Annual Percentage Rate (APR) is 17.37%, the total loan amount (excluding financed costs) is 108,357.37 PLN, the total amount to be paid is 208,344.71 PLN, the variable interest rate is 15.00%, the total cost of the loan is 99,987.34 PLN (including: a commission of 4,386.08 PLN, interest of 95,601.26 PLN), 109 equal monthly installments of 1,891.68 PLN each, final adjustment installment of 2,151.59 PLN. Calculation as of July 3, 2025. I am also sending a representative example for the “Nowoczesna” offer, which has also been updated in case you plan to use it in any activities: “Nowoczesna” Offer Product Offer The “Nowoczesna” offer is valid as of October 9, 2019, and applies to loans ranging from 10,000 PLN to 80,000 PLN, taken out for a term of 72 to 96 months via the website www.smartney.pl. Representative example for the “Nowoczesna” loan: The Annual Percentage Rate (APR) is 22.51%, the total loan amount (excluding financed costs) is 29,699.83 PLN, the total amount to be paid is 55,451.86 PLN, the variable interest rate is 15.00%, the total cost of the loan is 25,752.03 PLN (including: a commission of 4,834.97 PLN, interest of 20,917.06 PLN), 81 equal monthly installments of 675.65 PLN each, and a final balancing installment of 724.21 PLN. Calculation as of July 3, 2025.

Provident

Loan amount PLN 1,000 – PLN 30,000

Interest from 29%

Min. age 18 years

Duration 12–48 months

Payout Varies

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The Self-Service Loan "naCoDzień" product offer has been available since January 14, 2026, and applies to online loans with a total loan amount ranging from PLN 1,000 to PLN 30,000, repayable in 12, 18, 24, 36, 44, or 48 monthly installments. The number of installments depends on the selected total loan amount. A positive credit assessment is required to grant the loan. The Annual Percentage Rate (APR) is 29%, total loan amount (without credited costs) PLN 9,300, total amount payable PLN 11,994.86, fixed interest rate 7%, total cost of the loan PLN 2,694.86 (including: commission PLN 1,887.88, arrangement fee PLN 40, flexible repayment plan fee PLN 0, interest PLN 766.98), 23 monthly equal installments of PLN 499.79 and the last, 24th installment of PLN 499.69. Calculation as of January 14, 2026 on a representative example loan for this loan. The amount of PLN 17 per day is a simulation resulting from dividing the total amount to be paid by the consumer by the number of days (the average number of days in a month is 30) falling within the repayment period of 24 months and rounding up to the nearest whole zloty.

Borrowing costs money. Borrowing costs money. If you cannot repay on time, it may affect your credit record and make future borrowing more difficult. Always compare the total cost of credit before applying.

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Kredty

Recommended: Kredty Borrow up to PLN 150,000 with interest rates from 10.95%.

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This loan calculator helps English-speaking expats in Poland estimate loan terms and costs. You can input desired loan amounts and repayment periods to see potential offers from providers active in the Polish market. Loan amounts can range from 100 PLN to 150,000 PLN and repayment terms from 12 months up to 120 months, depending on the provider.

Understanding Loan Terms in Poland

When considering a loan in Poland, it is crucial to understand the components that make up the total cost. This includes the principal amount, interest rate, and any associated fees, such as origination fees or administrative charges. The Annual Percentage Rate (APR) provides a standardized way to compare the total cost of different loan offers, encompassing both interest and fees.

For example, Kredty offers loans with a minimum APR of 10.95% and a maximum of 24.15%. Their representative example shows a 1,000 PLN loan over 25 months with an APR of 24.51%, resulting in a total repayment of 1,237.80 PLN. Smartney offers loans with APRs that can reach 24.699999% for larger amounts, with specific examples detailing costs for loans between 10,000 PLN to 150,000 PLN. Provident offers a loan product with a fixed APR of 29%.

Choosing the Right Loan Type

Poland offers various loan products tailored to different needs. The providers listed offer options that can be broadly categorized. Kredty and Smartney appear to offer higher loan amounts, suitable for significant expenses, with terms extending up to 120 months. Provident offers a different product structure, with a fixed APR and terms typically between 12 and 48 months. Each provider has specific minimum and maximum age requirements as well, generally ranging from 18 to 80 years.

It is important to note that eligibility criteria, including credit history and proof of income, are factors in loan approval. This information is not financial advice. Always verify the specific terms and conditions directly with the provider before applying.

Using the Loan Calculator Effectively

To effectively use the loan calculator, input your desired loan amount first. Then, adjust the repayment period to match your financial capacity. The calculator will display potential offers. Pay close attention to the APR as it offers the most direct comparison point between different products. Also, consider the loan duration; longer periods mean lower monthly payments but a higher total interest cost over time. Shorter periods increase monthly payments but reduce the overall interest paid.

Key Considerations for Expats

As an expat in Poland, you may face specific requirements when applying for loans. Lenders typically assess your residency status, employment stability, and income. Understanding these requirements can streamline your application process.

• Residency Status: Lenders may require proof of legal residency in Poland.
• Employment: A stable employment record, preferably with a Polish employer, is often necessary.
• Income Verification: Providing verifiable income statements is standard for loan applications.

Exploring the variety of loan types available can help you find the best fit for your circumstances. You can find more information on all countries or specifically on all loan types in Poland. For those interested in specific credit products, resources on Poland Personal Loans, Poland Payday Loans, and Poland SMS Loan are available.

For general loan calculator information applicable across regions, refer to Loan Calculator guides by country.

Last updated: 22. June 2026