Szybka Gotówka — reviews, costs and terms 2026
Szybka Gotówka offers payday loans online from PLN 700 to PLN 20,000 for 7–45 days. First loan for new customers at 0% APR. Decision in 15 minut.
Amount
PLN 700 – 20,000
Term
7 – 45 days
APR
0% – 800%
First loan
0 PLN (0% APR)
Payout
15 minut
About Szybka Gotówka
Szybka Gotówka is a brand of Aasa Polska — one of the larger non-bank lenders in Poland. It specializes in short-term online loans for people who need a small amount within minutes.
First loan up to PLN 3,000 is offered at PLN 0 cost (APR 0%). Fully online: application, verification via 1-grosz transfer or Kontomatik, SMS contract signing and Blue Media transfer. Full cycle in 10–15 minutes.
Szybka Gotówka checks BIK and KRD, but less strictly than banks — current arrears are disqualifying, historical delays less so. No income certificates required; the account-analysis verification and positive bank check are enough.
Pros
- +First loan up to PLN 3,000 at PLN 0 cost
- +Fast decision and payout
- +Soft BIK verification
- +No income certificates needed
Cons
- −Lower first-loan cap (PLN 3,000)
- −Short term (up to 45 days)
- −High APR on subsequent loans
Requirements
- Age 20–70
- Polish citizenship
- Regular or temporary income
- Bank account and active phone
Ready to apply at Szybka Gotówka?
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Go to Szybka GotówkaFrequently asked questions about Szybka Gotówka
How much is the PLN 0 first loan?
Up to PLN 3,000 for a first-time customer — APR 0%, no commission, no interest, provided you repay on time.
How long does the decision take?
Usually 1–5 minutes after submission. Money arrives within 15 minutes if your bank supports Blue Media.
Can the repayment term be extended?
Yes, 15, 30 or 45 days. Each rollover costs 10–30% of the principal and eliminates the zero-cost promo on a first loan.
