Wonga — reviews, costs and terms 2026
Wonga offers loans online from PLN 100 to PLN 15,000 for 3–24 mo.. Decision in 15 minut.
Amount
PLN 100 – 15,000
Term
3 – 24 mo.
APR
90% – 900%
First loan
Standard
Payout
15 minut
About Wonga
Wonga is one of the first non-bank lenders in Poland — operating since 2013 (globally since 2006 in London). After a 2018 restructuring the Polish Wonga is part of the Kredyt OK group and focuses on longer-term installment loans.
The range covers two products: a payday loan up to PLN 3,000 for 30–60 days, and an installment loan from PLN 500 to PLN 15,000 repaid over 3–24 months. The entire process is online — application in 5–10 minutes, decision in a few minutes, money on your account usually within 15 minutes.
Wonga checks BIK and KRD — it does not lend to people with current arrears. That puts Wonga in the credible-lender bucket and apart from "no-BIK payday lenders" with far higher costs.
Pros
- +Wide amount range (PLN 100 – 15,000)
- +Flexible term (3 – 24 months)
- +Well-known brand with long Polish track record
- +Transparent terms, no hidden fees
Cons
- −No free first loan
- −Full BIK and KRD check
- −Regular income required
Requirements
- Age 20–75
- Polish ID and regular income
- Active phone and email
- Polish bank account
Ready to apply at Wonga?
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Go to WongaFrequently asked questions about Wonga
How much does a Wonga loan cost?
Cost depends on amount and term. Payday APR (RRSO) on 30 days is ~700–900%; installment loan ~90–130%. Actual terms are visible in the calculator before you submit.
Does Wonga check BIK?
Yes. Wonga checks BIK, KRD and ERIF. People with active arrears usually receive a decline.
How fast will I get the money?
Funds arrive within ~15 minutes after contract signing, provided your bank supports Blue Media or Express Elixir transfers. Otherwise 1–2 business days.
