Pożyczka Plus — reviews, costs and terms 2026
Pożyczka Plus offers payday loans online from PLN 100 to PLN 20,000 for 7–61 days. First loan for new customers at 0% APR. Decision in 15 minut.
Amount
PLN 100 – 20,000
Term
7 – 61 days
APR
0% – 750%
First loan
0 PLN (0% APR)
Payout
15 minut
About Pożyczka Plus
Pożyczka Plus is a non-bank lender operating on the Polish market since 2013. It targets in particular people who do not qualify for a bank loan but have serviced their obligations on time.
Offering payday loans from PLN 100 to PLN 5,000 with 7–61 day terms. First loan for a new customer up to PLN 5,000 — PLN 0 cost (APR 0%, conditional on on-time repayment). Open to pensioners, people on fixed-term contracts, and self-employed on umowa zlecenie / umowa o dzieło.
Application is online — identity verification via 1-grosz transfer. No income certificates required. Pożyczka Plus checks BIK and KRD with a softer threshold than banks.
Pros
- +First loan up to PLN 5,000 at PLN 0 cost
- +Minimum documentation required
- +Wide age range (up to 78)
- +Available to pensioners and part-timers
Cons
- −Short repayment term
- −High rollover cost
- −APR 400–800% on later loans
Requirements
- Age 20–78
- Polish citizenship
- Regular income (any form)
- Bank account and phone
Ready to apply at Pożyczka Plus?
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Go to Pożyczka PlusFrequently asked questions about Pożyczka Plus
Can I get a loan on a Polish pension?
Yes — Pożyczka Plus lends to people up to 78, including pensioners and people on disability benefits. Regular payments to a bank account are sufficient.
What documents are required?
Polish ID only — no employer certificates. Verification uses the application data plus 1-grosz transfer or Kontomatik.
Will Pożyczka Plus lend to people with BIK issues?
The company checks BIK but is more flexible than banks. People with lower scores but no active arrears have a real chance of approval.
