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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LoanExpat may receive compensation from partners when you click or apply through links on this page. This does not affect our editorial content.

Securing a loan in Poland as an expat requires understanding local providers and their terms. This page presents loan options available in Polish Złoty (PLN) for residents. Use the comparison grid above to see current offers.

The providers listed offer personal loans, often referred to as ‘kredyt gotówkowy’ in Polish. These are typically unsecured, meaning you do not need to pledge collateral. The loan amount, interest rate, and repayment period are key factors. Always check the Annual Percentage Rate (APR), which includes interest and all other mandatory fees, to understand the true cost of borrowing.

Understanding Loan Terms in Poland

When evaluating loan offers, pay attention to the following:

• Loan Amount: Providers offer a range of amounts. Kredty offers between 100 PLN and 150,000 PLN, while Smartney grupa Oney Bank copy provides from 1,000 PLN up to 150,000 PLN. Provident offers loans from 1,000 PLN to 30,000 PLN. Ensure the amount you need falls within the provider’s specified range.
• Repayment Period: This is the duration over which you will repay the loan. Durations vary significantly. Kredty offers from 0 to 60 months. Smartney grupa Oney Bank copy offers between 6 and 120 months, and Provident offers 12 to 48 months. Longer periods mean lower monthly payments but a higher total interest paid.
• Annual Percentage Rate (APR): This is the most critical figure for comparing loan costs. It represents the yearly cost of borrowing, expressed as a percentage. Providers advertise a minimum and maximum APR. For example, Kredty lists a minimum APR of 10.95% and a maximum of 24.15%. Provident has a fixed APR of 29%. Smartney grupa Oney Bank copy’s APR can range, with representative examples showing 17.37% for larger loans and 22.51% for smaller ones.
• Eligibility Requirements: Lenders have specific criteria, including age (most require you to be at least 18 or 21, up to 70 or 80) and residency status. You will generally need official documentation, proof of income (e.g., employment contract, payslips), and a Polish residence permit.

Representative Examples Explained

Lenders are required to provide a representative example to illustrate the cost of a loan. These examples help standardize comparisons. For instance:

• Kredty: A representative loan of 1,000 PLN for 25 months could have an APR of 24.51%, with the total repayment being 1,237.80 PLN.
• Smartney grupa Oney Bank copy: Their examples show significant differences based on loan size and term. A loan of 108,357.37 PLN over 109 months has an APR of 17.37%, while a loan of 29,699.83 PLN over 81 months shows an APR of 22.51%. These highlight the impact of loan structure on cost.
• Provident: For their ‘naCoDzień’ loan, an example of 9,300 PLN over 24 months results in an APR of 29%, with a total repayment of 11,994.86 PLN.

These examples are illustrative. Your specific APR may differ based on your creditworthiness and the final loan terms offered.

Obtaining a Loan as an Expat

The primary challenge for expats can be demonstrating financial stability and credit history in Poland. Most lenders will require:

• Valid Identification: Passport and Polish residence card.
• Proof of Address: Utility bills or rental agreements.
• Proof of Income: Employment contract, recent payslips, or tax returns if self-employed. For some, a letter from your employer confirming your role and salary may suffice.
• Bank Account: A Polish bank account is usually necessary for loan disbursement and repayments.

Loan Types Available in Poland

While this page focuses on general personal loans, Poland offers various credit products. Expats might encounter or seek specific types of financing. Understanding the differences is key before applying.

Beyond standard personal loans, you can find other loan products. You can explore Poland Personal Loans for general purposes. If you need funds for a vehicle, Poland Car Loans are available. For managing existing debts, a Poland Debt Consolidation Loan might be an option. Short-term, smaller amounts might be sought through Poland SMS Loan providers, though these often come with higher APRs. Poland Mortgage Loans are for property purchases.

If you are exploring credit options across different European countries, the Countries section provides an overview. For more details on credit facilities within Poland, including various loan types like Poland Payday Loans, refer to specific country guides. The Loan Types section offers general information on different credit products.

Applying for Loans

To apply, you typically visit the provider’s website. You will need to complete an online application form. Be prepared to upload or provide details for the required documentation. Approval times can vary from a few minutes to several business days, depending on the lender and the amount requested.

Important Considerations

This information is for guidance only and does not constitute financial advice. Always perform your own due diligence when considering financial products. Ensure you understand all terms and conditions before committing to a loan agreement. We do not guarantee loan approval.

Last updated: 22. June 2026