Zaplo — reviews, costs and terms 2026
Zaplo offers installment loans online from PLN 1000 to PLN 9,600 for 3–12 mo.. Decision in 15 minut.
Amount
PLN 1,000 – 9,600
Term
3 – 12 mo.
APR
60% – 78%
First loan
Standard
Payout
15 minut
About Zaplo
Zaplo is a Polish non-bank lender focused on installment loans, marketed under the Viviraty product name. It belongs to the same 4finance group as Vivus and is registered with the KNF list of lending institutions.
The product covers loans from PLN 1,000 to PLN 9,600 repaid in 3 to 12 monthly installments. Representative APR is 77.80% — well below typical payday loans (300%+) but higher than banks. Spreading repayment over months reduces the monthly hit and helps plan the loan more safely.
The process is fully online: application, account verification via a 1-grosz transfer, SMS contract signing, Blue Media payout. Zaplo does not require an income certificate; affordability is assessed by analysing inflows on the linked bank account.
Pros
- +Installment loan from PLN 1,000 to PLN 9,600
- +Term 3–12 months — lower monthly load than a payday loan
- +Fully online, no income certificate required
- +APR around 78% — much lower than payday loans
- +Decision and payout within 15 minutes
Cons
- −No 0% first-loan promo (APR always above zero)
- −Full BIK and KRD check
- −Minimum amount PLN 1,000
- −0.01 PLN verification transfer required
Requirements
- Age 20–75
- Polish ID document
- Regular income (employment, contract, pension)
- Polish bank account
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Go to ZaploFrequently asked questions about Zaplo
How does Zaplo differ from Vivus?
Zaplo and Vivus belong to the same 4finance group, but the products are different: Vivus is a payday loan repaid in one shot (up to 61 days), Zaplo is an installment loan repaid in 3–12 monthly installments. Zaplo has a much lower APR (~78% vs 299%) but requires a stronger income profile and offers no 0% promo.
What is the minimum loan amount?
PLN 1,000 — Zaplo does not handle the micro-amounts typical for payday loans. For smaller needs choose a payday product (e.g. Vivus from PLN 100).
How fast is the decision?
Usually 1–5 minutes after the application and verification transfer. Funds reach your account within 15 minutes if your bank supports Blue Media.
Does Zaplo require income certificates?
No. Zaplo verifies income by analysing inflows on the linked bank account. A regular salary, benefit or B2B inflow is sufficient.
Can I repay early without penalty?
Yes. Early repayment is free and costs are refunded proportionally (under Polish consumer-credit law). You can save several hundred zlotys versus paying out the full term.
