taRata — reviews, costs and terms 2026
taRata offers installment loans online from PLN 100 to PLN 150,000 for 6–36 mo.. Decision in 15 minut – 24 h.
Amount
PLN 100 – 150,000
Term
6 – 36 mo.
APR
60% – 150%
First loan
Standard
Payout
15 minut – 24 h
About taRata
taRata is an installment-loan brand — the opposite of short-term payday loans. Amounts from PLN 1,000 to PLN 15,000 repaid over 6–36 months allow a safe household-budget plan.
Fully online: application, account verification via Kontomatik, repayment schedule shown before signing, Blue Media transfer. Positive BIK history and regular income required — taRata behaves like a bank, but with simpler procedures.
Operates under the 2023 anti-usury cap (non-interest costs ≤ 45% of principal per year). APR is visible in the calculator on the website before contract signing.
Pros
- +Fully online application
- +Flexible installments (6–36 months)
- +Repayment schedule available pre-signing
- +Free early repayment
Cons
- −Higher minimum (PLN 1,000)
- −Full BIK check
- −Stable credit history required
Requirements
- Age 21–70
- Polish citizenship
- Regular documented income
- Polish bank account
Ready to apply at taRata?
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Go to taRataFrequently asked questions about taRata
What is the minimum loan amount?
PLN 1,000 — taRata does not service micro-amounts like payday loans. For smaller needs use a short-term product.
Can I borrow without certificates?
Yes, in most cases Kontomatik verification is enough. For higher amounts taRata may request employer certification.
Is early repayment free?
Yes. Full or partial early repayment is free, and costs are pro-rated and refunded.
