Creditu — reviews, costs and terms 2026
Creditu offers payday loans online from PLN 100 to PLN 3,000 for 7–30 days. First loan for new customers at 0% APR. Decision in 15 minut.
Amount
PLN 100 – 3,000
Term
7 – 30 days
APR
0% – 700%
First loan
0 PLN (0% APR)
Payout
15 minut
About Creditu
Creditu is a Polish lender specializing in short-term online payday loans for 7, 14 or 30 days. The target user needs a quick injection of cash.
For new customers Creditu offers a PLN 0 cost loan (APR 0%) up to PLN 3,000. The process takes a dozen minutes — from application, through account verification, to Blue Media transfer.
The lender operates under the 2023 Polish anti-usury statute, which caps non-interest credit costs at 45% of principal per year. APR is visible before contract signing — always check the final cost.
Pros
- +First loan up to PLN 3,000 at PLN 0 cost
- +Simple online process
- +Fast payout (~15 minutes)
- +24/7 availability
Cons
- −Max PLN 3,000
- −Short term (up to 30 days)
- −High APR for subsequent loans
Requirements
- Age 20–75
- Polish citizenship
- Permanent Polish address
- Bank account and phone number
Ready to apply at Creditu?
Clicking below takes you to the partner's site. The process takes a few minutes.
Go to CredituFrequently asked questions about Creditu
What can I use a Creditu loan for?
Any purpose — car repairs, bills, shopping, urgent expenses. The application does not require you to state the purpose.
How does verification work?
Identity verification uses a 1-grosz transfer from your bank account or Kontomatik (logging into your online banking). Both methods are standard and safe.
Can I take a second loan before repaying the first?
No. Most lenders, including Creditu, will not issue a second loan until the first is repaid. This is anti-debt-spiral protection.
