Car Loans 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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Securing a car loan as an expat in Poland requires understanding the available options and eligibility criteria specific to non-residents. While the process can differ from your home country, several providers offer financing for vehicle purchases. This page provides direct comparisons to help you identify potential lenders for your car acquisition needs in Poland.

Understanding Car Loan Requirements in Poland

Expats seeking a car loan in Poland typically need to meet certain conditions. These often include: a valid Polish residence permit, proof of stable income earned in Poland, and a minimum period of employment or residency in the country. Lenders assess creditworthiness, and a history of timely repayments on other financial obligations in Poland can be beneficial. Be prepared to provide documentation such as your passport, residence card, employment contract, salary slips, and potentially bank statements.

The primary purpose of a car loan is to finance the purchase of a vehicle. The loan amount, interest rate, and repayment term are key factors to consider. The Annual Percentage Rate (APR) provides a crucial overview of the total cost of borrowing, encompassing interest and any associated fees. Always compare the APR when evaluating different loan offers.

Key Factors When Comparing Car Loans

When evaluating car loan offers, focus on these critical elements:

• Loan Amount: Ensure the maximum loan amount meets your vehicle purchase needs and your borrowing capacity. Providers like Kredty and Smartney potentially offer higher loan amounts compared to Provident.
• Repayment Term: The duration of the loan affects monthly payments and the total interest paid. Longer terms mean lower monthly payments but more interest over time. Terms can range from 12 months up to 120 months depending on the provider and loan type.
• Interest Rates (APR): This is the most significant cost factor. While base interest rates might seem low, the APR reflects the true annual cost. For instance, Provident has a stated APR of 29%, which is considerably higher than the minimums advertised by Kredty. Smartney’s examples show APRs ranging from 17.37% to 22.51% depending on the loan product.
• Eligibility Criteria: Verify if you meet the age requirements (typically 18-80, though some lenders like Kredty specify 21-75) and residency status required by the lender.
• Additional Fees: Be aware of any origination fees, administrative charges, or early repayment penalties. These can add to the overall cost of the loan.

Provider Overviews for Car Loans in Poland

Based on the provided data, here’s a summary of some options:

Kredty

Kredty offers loan amounts from PLN 100 to PLN 150,000 with repayment terms from 0 to 60 months. The advertised minimum APR is 10.95%, with a maximum of 24.15%. This provider appears to cater to a wide range of needs, from smaller amounts to significant financing. Their representative example for PLN 1,000 over 25 months shows an APR of 24.51%, indicating how specific loan terms can impact the effective rate.

Smartney (Oney Bank)

Smartney offers loans between PLN 1,000 and PLN 150,000, with repayment periods from 6 to 120 months. Their interest rates and APRs vary significantly based on the specific offer. The ‘Attractive’ offer example shows an APR of 17.37% for larger loans (PLN 81,000-150,000) over 98-120 months. The ‘Nowoczesna’ offer shows an APR of 22.51% for loans of PLN 10,000-80,000 over 72-96 months. This suggests flexibility in their product range for different borrowing scenarios.

Provident

Provident offers loans from PLN 1,000 to PLN 30,000 over 12 to 48 months. Their noted APR is 29%. This provider may be suitable for smaller, short-term financing needs. The representative example highlights a fixed interest rate of 7% but an APR of 29%, emphasizing the impact of fees and other costs on the overall borrowing expense.

Choosing the Right Car Loan

When selecting a car loan, it is advisable to compare offers directly from multiple providers. Consider your personal financial situation, including your income, existing debts, and how much you can comfortably afford to repay each month. Do not base your decision solely on the advertised interest rate; always look at the APR to understand the full cost.

For expats, understanding the documentation requirements is a crucial first step. Engaging with lenders early can help clarify these needs. Explore all available options by comparing various loan types in Poland on our site, and consider a broader range of financial solutions including Poland Personal Loans, which might also be applicable for vehicle purchases.

Remember, this information is for guidance only and does not constitute financial advice. Loan approval is subject to individual lender assessment and criteria.

Other Loan Options in Poland

Beyond car-specific loans, Poland offers various other credit products that expats may consider or encounter:

• Personal Loans: These are versatile loans that can be used for a variety of purposes, including car purchases.
• Payday Loans: Short-term, high-cost loans typically repaid on your next payday.
• SMS Loans: Often small amounts disbursed quickly, usually via mobile phone requests.
• Mortgage Loans: For purchasing property.

For a broader overview of financial products available to expats in different European countries, please visit our Countries Hub. You can also find information on various loan types available.

To specifically compare different loan products within Poland, you can refer to our Compare Loans in Poland page. For those interested in car loans across different regions, explore our Car Loans guides by country.

Last updated: 22. June 2026