Loan Refinance 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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Expats living in Poland who hold existing loans may consider loan refinancing as a strategy to consolidate debt, potentially lower interest rates, or adjust repayment terms. This process involves taking out a new loan to pay off one or more existing loans. The goal is typically to achieve more favourable conditions than those currently held. Understanding the available options and eligibility criteria is crucial for making an informed decision.

Several providers operate in the Polish market offering various loan products. For loan refinance purposes, you will be looking for personal loans that can be used to settle outstanding balances from other credit facilities. Key factors to evaluate include the Annual Percentage Rate (APR), loan duration, repayment schedule, and any associated fees. The APR provides a more complete picture of the loan’s cost, including interest and commission.

Understanding Loan Refinancing in Poland

Refinancing a loan in Poland as an expat involves several steps. Firstly, you need to assess your current loan obligations. This includes identifying the outstanding principal, the current interest rate, the remaining term, and any early repayment penalties. Once you have this information, you can compare it against the terms offered by new lenders for refinance loans. The primary objective is usually to find a loan with a lower overall cost or a more manageable repayment structure.

Eligibility for loan refinancing in Poland often depends on your residency status, income stability, and credit history. As an expat, you may need to provide documentation proving your legal right to reside and work in Poland, along with evidence of a consistent income stream. Lenders will assess your ability to repay the new loan based on your financial situation.

Key Considerations for Expats

• Residency Status: Ensure you meet the minimum residency requirements of the lender.
• Income Verification: Provide proof of stable employment and income in PLN. This typically includes payslips and an employment contract.
• Credit History: Your credit score in Poland, and potentially your international credit history, will be evaluated.
• Loan Terms: Carefully review the APR, repayment period, and any hidden fees.
• Currency: Ensure the loan is denominated in PLN to avoid currency exchange risks.

Common Refinance Loan Providers and Their Offers

While the comparison grid at the top of this page details specific offers, it’s beneficial to understand the general market. Providers like Kredty, Smartney (part of Oney Bank), and Provident offer various loan products that can be utilized for refinancing purposes. Each has different minimum and maximum loan amounts, repayment terms, and interest rates.

Kredty offers loans with amounts ranging from PLN 100 to PLN 150,000, with repayment terms typically between 12 and 42 months. Their APRs can range from 10.95% up to 24.15%. A representative example shows a PLN 1,000 loan over 25 months with an APR of 24.51%, resulting in a total repayment of PLN 1,237.80.

Smartney provides a broader range of terms. Their “Attractive” offer covers loans from PLN 81,000 to PLN 150,000 over 98 to 120 months. A representative example for this product shows an APR of 17.37% on a loan of PLN 108,357.37, with a total repayment of PLN 208,344.71 over 109 months. Their “Nowoczesna” offer is for loans from PLN 10,000 to PLN 80,000 over 72 to 96 months, with an illustrative APR of 22.51% for a PLN 29,699.83 loan, leading to a total repayment of PLN 55,451.86 over 81 months.

Provident offers loans from PLN 1,000 to PLN 30,000, primarily with repayment terms between 12 and 48 months. Their stated APR is 29%. An example illustrates a PLN 9,300 loan over 24 months with a 7% fixed interest rate, a total repayment of PLN 11,994.86, and a total loan cost of PLN 2,694.86.

When comparing these, note that the lowest advertised interest rate might not always be the best option. Always focus on the APR to understand the total cost of borrowing. Expats may find that consolidating multiple high-interest debts into a single loan with a lower APR can lead to significant savings over time.

Steps to Refinance Your Loan in Poland

1. Gather Information: Collect details of all current loans you wish to refinance.
2. Check Eligibility: Review the minimum requirements for expat applicants for refinance loans in Poland. You can explore loan options across different countries, but for Poland, focus on local providers.
3. Compare Offers: Use comparison tools and review the specific terms, especially the APR, for refinance loans from lenders like Kredty, Smartney, and Provident. For broader context on financial products, see loan types.
4. Apply Online: Complete the application form for your chosen lender. Be prepared to submit necessary documentation.
5. Review and Accept: Once approved, carefully read the final loan agreement before signing.

Remember, this information is for guidance only. It is not financial advice. Approval for any loan is subject to lender assessment and individual circumstances. Evaluating all available options, including other loans in Poland, is recommended.

For those seeking to understand the Polish financial market better, reviewing specific loan categories such as personal loans in Poland, payday loans, SMS loans, or mortgage loans can provide further insights. Additional resources on refinancing can be found under loan refinance guides by country.

Last updated: 22. June 2026