Personal 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 personal loan in Poland as an expat requires understanding the available options and requirements. Direct comparison of loan products is essential for making an informed financial decision. This page presents key details for personal loans available in Polish Zloty (PLN) to assist expatriates residing in Poland. Remember, this information is for comparison purposes only, and loan approval is subject to the lender’s assessment.

The provided comparison grid at the top of this page details offers from various providers. When evaluating these options, pay close attention to several factors beyond the advertised interest rate.

Understanding Personal Loan Terms in Poland

For each loan provider, examine the following critical aspects:

• Loan Amount: This is the principal sum you can borrow. Providers list minimum and maximum amounts. Ensure the amount you need falls within this range. For instance, Kredty offers amounts from 100 PLN to 150,000 PLN, while Provident offers between 1,000 PLN and 30,000 PLN.
• Repayment Period: This is the duration over which you must repay the loan. It is typically expressed in months. Longer repayment periods mean lower monthly installments but potentially higher total interest paid. Smartney offers terms up to 120 months, whereas Provident’s maximum term is 48 months.
• Annual Percentage Rate (APR): The APR is a crucial indicator that reflects the total annual cost of a loan, including interest and other fees. It provides a more accurate comparison point than the nominal interest rate alone. Kredty’s APR ranges from 10.95% to 24.15%. Provident has a stated APR of 29%. Smartney presents different APRs for its offers, with examples showing 17.37% and 22.51%.
• Age Requirements: Lenders specify minimum and maximum age limits for applicants. Kredty requires applicants to be between 21 and 75 years old. Provident allows applicants from 18 to 80 years of age.

Representative Examples: What They Mean

Loan providers are required to supply a representative example. This illustration shows a typical loan scenario to help borrowers understand the potential costs. For example, Kredty provides an example for 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’s examples show more complex scenarios for larger loan amounts and longer terms. Always review these examples carefully to grasp the full financial commitment.

Factors for Expats to Consider

As an expatriate living in Poland, additional considerations are important:

• Residency Status: While these loans are for the Polish market, lenders may have specific requirements regarding your residency status and documentation. Ensure you meet these criteria before applying.
• Proof of Income: Lenders will require proof of stable income in Poland. This typically includes employment contracts, payslips, or tax returns, depending on your employment situation.
• Banking Relationship: Having a bank account in Poland is standard for receiving loan disbursements and making repayments. Some lenders may prefer applicants with a longer history with Polish banks.
• Credit History: Your credit history in Poland, and sometimes internationally, can influence loan approval and terms. Building a positive credit record is beneficial. For information on other loan types available in Poland, explore Poland Loans.

Comparing loan offers requires careful attention to detail. Ensure you understand the total cost of borrowing, not just the monthly payment. For those seeking different types of credit, resources on Loan types provides broader insights. If you are interested in short-term financing, Poland may offer options like Poland SMS Loan products, though these often come with higher costs.

Other Loan Options in Poland

Poland offers a variety of loan products beyond standard personal loans. If your needs are different, you might consider:

• Mortgage Loans: For property purchase, explore Poland Mortgage Loans.
• Debt Consolidation Loans: To manage multiple debts, look into Poland Debt Consolidation Loan options.
• Payday Loans: For very short-term needs, Poland Payday Loans are available but typically have high costs.

This platform provides comparisons across various regions and loan types. You can view Countries for other markets or explore specific loan types such as Personal Loans guides by country.

Disclaimer: This content is for informational purposes only and does not constitute financial advice. Loan approval depends on individual circumstances and lender criteria. Always carry out your own research and consider seeking independent financial advice before making any borrowing decisions.

Last updated: 22. June 2026