Ostatnia aktualizacja: 19 kwietnia 2026 Zweryfikowane przez: kreddo.pl team

Non-bank lenders in Poland

Profiles of the most popular non-bank lenders offering payday and installment loans in Poland. Each profile covers amounts, terms, BIK rules, costs and reviews.

kreddo.pl lists 11 non-bank lenders offering online loans in Poland. 7 offer payday loans (short-term, up to 60 days) and 5 offer installment loans (up to 48 months). In most cases the first loan is available at 0% APR.

Payday loans — short term

Up to PLN 7,000, 7–61 days. Often first loan at PLN 0 cost.

Wonga

Installment loans and payday loans online

PLN 100–15,000 3–24 mo. APR 90–900%

Smart Pożyczka

First loan for PLN 0

PLN 100–20,000 7–61 days APR 0–750% 1st loan 0 PLN

Szybka Gotówka

Non-bank loan online

PLN 700–20,000 7–45 days APR 0–800% 1st loan 0 PLN

Pożyczka Plus

Minimum paperwork, fast decision

PLN 100–20,000 7–61 days APR 0–750% 1st loan 0 PLN

Creditu

Cash loan online

PLN 100–3,000 7–30 days APR 0–700% 1st loan 0 PLN

Avinto

Fast payday loan with minimum paperwork

PLN 100–5,000 5–45 days APR 0–700% 1st loan 0 PLN

Vivus

First loan at 0% APR — available to foreigners

PLN 100–9,600 5–61 days APR 0–299.1% 1st loan 0 PLN

Installment loans

Up to PLN 25,000, repaid over 3–48 months. Positive BIK history required.

Wonga

Installment loans and payday loans online

PLN 100–15,000 3–24 mo. APR 90–900%

SuperGrosz

Installment loan up to PLN 25,000

PLN 1000–30,000 3–48 mo. APR 60–130%

taRata

Installment loan with transparent terms

PLN 100–150,000 6–36 mo. APR 60–150%

Zaplo

Installment loan online, no income certificate

PLN 1000–9,600 3–12 mo. APR 60–78%

Provident

Loan with home service

PLN 1000–30,000 15–130 mo. APR 80–200%

kreddo.pl — loan and credit comparison in Poland

kreddo.pl is an independent financial product comparison service helping users make informed decisions about cash loans, online loans, personal accounts, savings accounts, deposits and mortgages in Poland. We compare offers from leading Polish banks — including PKO BP, Santander, mBank, ING, Alior Bank and BNP Paribas — displaying current interest rates, APR, fees and conditions.

Our loan rankings are updated in real time through bank partner integrations. Users can filter offers by amount (PLN 1,000–500,000), repayment period and instalment type. The instalment calculator helps estimate monthly repayment costs.

For those seeking quick financing, we compare payday loans, no-BIK loans, loans for indebted individuals and no-refusal loans. We also compare credit cards and insurance products.

kreddo.pl is an informational service — it is not a credit intermediary or financial institution. All offers shown come from our partners, and final product terms are determined by the financial institution. We track current NBP and WIBOR interest rates in real time.