Someone may think we’re joking. Because how to save on a loan? After all, we ask for additional cash when we have not left any of the funds set aside and we need to look for other solutions. However, by choosing the first, better offer, we can fall into debt or at least lose a lot of money. We advise you how to save on a break in all this.

In the age of the Internet and cash available at your fingertips, choosing a good offer should not be so difficult. It turns out, however, that a lot of people, hoping to receive money as soon as possible, decide very quickly on any offer . In the meantime, it’s worth spending a few minutes more to get familiar with the world of non-bank loans and to save on the cost of the loan. How? We’ll explain it.

Borrow for free

Borrow for free

The vast majority of non-bank lenders offer the first loan for free, at no additional cost. All you have to do is give your commitment on time. And even if we’ve already used the time, we still have a dozen other proposals to choose from. This is the most advantageous form of the loan – because we give back exactly as much as we borrowed – without interest, costs and commissions.

You just have to make sure you pay the repayment date, because even the day of delay you will be charged an additional fee. By borrowing for free, you can save money on payday expenses without ruining the budget for the next month.

See where you can borrow for free!

 1 2 3 4 5 4 (3631 votes) PLN 1,000 from PLN 100 to PLN 3000 30 days from 5 days to 45 days PLN 0 APRC: 0% Submit an application » Detailed information

  • Details of the loan
  • Requirements for the loan
  • Charges and costs of delay
  • About company

General terms of loans in Extraportfel Free first loan: YES, up to PLN 3,000 for 45 days Possible loan amount: from PLN 100 to PLN 3 000 Possible loan period: from 5 days to 45 days Age: from 21 years to 70 years Payday of the loan: one working day Databases checked by Extraportfel:

  • BIK
  • ERIF
  • KRD
  • BIG
  • InfoMonitor
  • The Union of Polish Banks

Representative example of loans in Extraportfel: The total loan amount is PLN 1,000; the duration of the contract is 30 days; interest rate 0%; preparation fee 0%; commission PLN 0; interest PLN 0 total amount to be paid PLN 1,000; APRC 0%. Your current loan settings: You borrow PLN 1,000 For a period of 30 days Number of installments: 1 You give up: PLN 1,000 The cost of the loan: 0 PLN The repayment date is 25/05/2019 Use filters to change the parameters of the loan Documents needed to submit an application:

  • ID card (information from this document should be provided in the loan application),
  • e-mail adress,
  • mobile phone,
  • Polish nationality,
  • address of residence on the territory of PL.

Age: To get a loan in Extraportfel you must have: from 21 years to 70 years Also read:

  • How to take a loan in Extra Wallet?

Payments for the loan and costs of delay in repayment:

Commission for a loan: 0 PLN

Interest: PLN 0

Fee for extending the payment deadline:

If you are unable to return the loan according to the deadline specified in the contract, you can use the refinancing option.

 

Remember that refinancing involves additional costs. For a sample loan of PLN 1,000 for 30 days, the refinancing costs will amount to PLN 198.

If you want to use refinancing, log in to the profile created during registration and follow the instructions posted there.

Costs of delay in repayment:

If you are late with the timely repayment of your loan, Extraportfel will add additional costs in the form of statutory interest (Article 481 § 2 1 of the Civil Code).

For a loan of 1000.00 PLN it will be 0.38 PLN for each day of delay.

Other effects of non-payment of the loan within:

If you do not repay the loan on time, in addition to the statutory interest described above, you must reckon with the fact that:

  • the lender can sell your loan to a debt collection company or directly refer the case to court, and you will be charged for such actions,
  • in the case of a delay exceeding 60 days, you will be entered in the debt registers of InfoMonitor Biuro Informacji Gospodarczej SA, Krajowy Rejestr Długów Biuro Informacji Gospodarczej SA, ERIF Register of Debtors Biuro Informacji Gospodarczej SA, KBIG and other BIG databases, as well as Biuro Informacji Kredytowej SA, which will reduce your creditworthiness and reduce the chance for another loan,
  • you will not meet the promotion conditions for the free first loan. This means that you will be charged standard loan costs in accordance with the Extraportfel fees table,
  • you can expect different calls for payment.

Contact details : BRAND NAME: Extraportfel.pl WWW: extraportfel.pl Email: info@extraportfel.pl Phone:
Customer service: 22 388 66 66 Debt collection: 22 388 66 67 Work hours:
Customer service office:
Mon. – Fri 08:00 – 21:00
Sat: 09:00 – 18:00

Debt collection:
Mon. – Fri 8:00 – 20:00 Bank accounts:

  • PKO Bank Polski,
  • Bank Zachodni WBK,
  • Pekao SA,
  • Millennium Bank,
  • Alior Bank,
  • mBank SA,
  • Getin Noble Bank,
  • Nordea Bank SA,
  • Kredyt Bank,
  • Eastern Bank of Sugar Industry

Other brands of this lender: belongs to Cremafinance Poland Sp. zo.o .. The company is also the owner of other non-bank brands: Lendon, Retino, Finto. Even if you have already used loans in one of these companies, you can easily take advantage of the offer of a free loan for new customers. Loan company: FIRMA LOANS: MDP Finance Sp. z o. o
COMPANY ADDRESS: ul. Grzybowska 87, 00-844 Warsaw
KRS: 0000600366
Tax ID: 5272758771
REGON: 36368292300000
CAPITAL CAPITAL: PLN 200,000

LOAN COMPANY: KIM Finance Sp. z o. o
COMPANY ADDRESS: ul. Hoża 86/410
KRS: 0000600780
Tax ID: 7010545986
REGON: 36369088000000
CAPITAL CAPITAL: 200,000

INTERMEDIARY LOAN: Creamfinance Poland Sp. z o. o
COMPANY ADDRESS: ul. Marcin Kasprzak 2/8, 01-211 Warsaw
KRS: 0000453034
Tax ID: 5252548958
REGON: 14656326000000
CAPITAL CAPITAL: PLN 2,700,000

 1 2 3 4 5 4 (4325 votes) PLN 1,000 from PLN 100 to PLN 3000 30 days from 5 days to 45 days PLN 0 APRC: 0% Submit an application » Detailed information

  • Details of the loan
  • Requirements for the loan
  • Charges and costs of delay
  • About company

General terms and conditions of loans at Lendon Free first loan: YES, up to PLN 3,000 for 45 days Possible loan amount: from PLN 100 to PLN 3 000 Possible loan period: 5, 10, 15, 20, 25, 30, 40 or 45 days Age: from 21 years to 70 years Payday loans: standard 30 – 40 minutes Databases checked by Lendon:

  • BIK
  • ERIF
  • KRD
  • BIG
  • InfoMonitor
  • The Union of Polish Banks

Representative example of a loan in Lendon: Registration fee: PLN 0.01; the total loan amount of PLN 500; the duration of the contract is 30 days; interest rate 0%; preparation fee 0%; administrative fee PLN 0; the total amount to be paid is PLN 500; Actual Annual Interest Rate (APR) 0% Your current loan settings: You borrow PLN 1,000 For a period of 30 days Number of installments: 1 You give up: PLN 1,000 The cost of the loan: 0 PLN The repayment date is 25/05/2019 Use filters to change the parameters of the loan Documents needed to submit an application:

  • ID card (information from this document should be provided in the loan application),
  • bank account of which you are the sole owner (necessary to confirm the identity and / or payment of the loan),
  • e-mail adress,
  • mobile phone,
  • address of residence on the territory of PL.

Age: To get a loan at Lendon you must have: from 21 years to 70 years Also read:

  • How to get a loan at LendOn?

Payments for the loan and costs of delay in repayment:

Commission for a loan: 0 PLN

Interest: PLN 0

Fee for extending the payment deadline:

If you are unable to return the loan according to the deadline specified in the contract, you can use the refinancing option.

 

Remember that refinancing involves additional costs. For a sample loan of PLN 1,000 for 30 days, the refinancing costs will amount to PLN 207.

If you want to use refinancing, pay a refinancing fee to the lender’s account.

Costs of delay in repayment:

If you are late with the timely repayment of your loan, LendON will add additional costs in the form of statutory interest (Article 481 § 2 1 of the Civil Code).

For a loan of 1000.00 PLN it will be 0.38 PLN for each day of delay.

Other effects of non-payment of the loan within:

If you do not repay the loan on time, in addition to the statutory interest described above, you must reckon with the fact that:

  • the lender can sell your loan to a debt collection company or directly refer the case to court, and you will be charged for such actions,
  • in the case of a delay exceeding 60 days, you will be entered in the debt registers of InfoMonitor Biuro Informacji Gospodarczej SA, Krajowy Rejestr Długów Biuro Informacji Gospodarczej SA, ERIF Register of Debtors Biuro Informacji Gospodarczej SA, KBIG and other BIG databases, as well as Biuro Informacji Kredytowej SA, which will reduce your creditworthiness and reduce the chance for another loan,
  • you will not meet the promotion conditions for the free first loan. This means that you will be charged standard loan costs in accordance with the Lendon fees table,
  • you can expect different calls for payment.

Contact details : BRAND NAME: LendOn.pl
ADDRESS: ul. Marcin Kasprzak 2/8, 01-211 Warsaw WWW: lendon.pl Email: info@lendon.pl Phone:
Customer Service: 22 3886444 Debt collection: 22 1120746 Work hours:
Customer service office:
Mon. – Fri 8:00 – 22:00
Sat. – from 9:00 to 18:00

Debt collection:
Mon. – Fri 8:00 – 20:00 Bank accounts:

  • PKO Bank Polski,
  • Bank Zachodni WBK,
  • PeKaO SA,
  • Millennium Bank,
  • Alior Bank,
  • mBank SA,
  • Getin Noble Bank,
  • Kredyt Bank,
  • Eastern Bank of Sugar Industry

Other brands of this lender: belongs to Cremafinance Poland Sp. zo.o .. The company is also the owner of other non-bank brands: Extraportfel, Retino, Finto. Even if you have already used loans in one of these companies, you can easily take advantage of the offer of a free loan for new customers. Loan company: FIRMA LOANS: MDP Finance Sp. z o. o
COMPANY ADDRESS: ul. Grzybowska 87, 00-844 Warsaw
KRS: 0000600366
Tax ID: 5272758771
REGON: 36368292300000
CAPITAL CAPITAL: PLN 200,000

LOAN COMPANY: KIM Finance Sp. z o. o
COMPANY ADDRESS: ul. Hoża 86/410
KRS: 0000600780
Tax ID: 7010545986
REGON: 36369088000000
CAPITAL CAPITAL: PLN 200,000

INTERMEDIARY LOAN: Creamfinance Poland Sp. z o. o
ADDRESS: ul. Marcin Kasprzak 2/8, 01-211 Warsaw
KRS: 0000453034
Tax ID: 5252548958
REGON: 14656326000000
CAPITAL CAPITAL: PLN 2,700,000
 1 2 3 4 5 4 (2957 votes) PLN 1,000 from PLN 200 to PLN 3000 30 days from 1 day to 30 days PLN 0 APRC: 0% Submit an application » Detailed information

  • Details of the loan
  • Requirements for the loan
  • Charges and costs of delay
  • About company

General terms and conditions of loans at Kuki.pl Free first loan: Yes, up to PLN 3000 for 30 days Possible loan amount: from PLN 200 to PLN 3000 Possible loan period: from 1 day to 30 days Age: from 20 years to 75 years Payday loan: The loan will be credited to your account within 15 minutes Databases checked by Kuki.pl:

  • BIK
  • ERIF
  • KRD
  • BIG
  • InfoMonitor

Representative example of a loan at Kuki.pl: A representative example: The Actual Annual Interest Rate (APZ) is 0% assuming: a loan period of 30 days; total loan amount PLN 1000; the total amount to be repaid is PLN 1,000.00; interest rate 0%; total cost of the loan PLN 0 (including: commission PLN 0.00, interest PLN 0.00) Your current loan settings: You borrow PLN 1,000 For a period of 30 days Number of installments: 1 You give up: PLN 1,000 The cost of the loan: 0 PLN The repayment date is 25/05/2019 Use filters to change the parameters of the loan Documents needed to submit an application:

  • To submit an application you will need:
  • ID card (information from this document should be provided in the loan application),
  • bank account of which you are the sole owner (necessary to confirm the identity and / or payment of the loan),
  • mobile phone,
  • e-mail adress,
  • Polish nationality

Age: To get a loan at Kuki.pl you must have: from 20 years to 75 years Also read:

  • How to take a loan at Kuki?

Payments for the loan and costs of delay in repayment:

Commission for a loan: 0 PLN

Interest: PLN 0

Registration fee: PLN 0.01

Fee for extending the repayment date

If you are unable to return the loan according to the deadline specified in the contract, you can use the option to extend the repayment. In {Lender} you can extend your loan twice, 7, 14 or 30 days . Remember that this service is associated with additional costs. For the sample loan amount of PLN 1000 for 30 days, the costs of extending the repayment will be as follows:

  • extension of the loan by 7 days – PLN 132
  • extension of the loan by 14 days – PLN 140
  • extension of the loan by 30 days – PLN 157

If you want to extend the loan, contact the company’s consultant by phone and present your situation.

Costs of delay in repayment:

If you are late with timely repayment of your loan, Kuki.pl will add additional costs in the form of statutory interest (Article 481 § 2 1 of the Civil Code).

For a loan of PLN 1,000.00, it will be PLN 0.38 for each day of delay.

OTHER EFFECTS OF NON-PAYMENT LOANS IN DATE

If you do not repay the loan on time, in addition to the statutory interest described above, you must reckon with the fact that:

  • the lender can sell your loan to a debt collection company or directly refer the case to court, and you will be charged for such actions,
  • in the case of a delay exceeding 60 days, you will be entered in the debtors registers of the Credit Information Bureau and Economic Information Bureaus,   what will lower your creditworthiness and reduce the chance for another loan,
  • you will not meet the promotion conditions for the free first loan. This means that you will be charged standard loan costs in accordance with the table of fees: interest – 10%, commission (the amount of commission depends on the amount and period of the loan.)
  • you can expect different invoices for payment sent in the form of letters, SMS messages, e-mails.

Contact details : kuki.pl WWW: kuki.pl Email: info@kuki.pl, windykacja@kuki.pl Phone:
Customer Service Department: 22 349 94 10 Debt Collection Department: 22 349 94 12 Work hours:
Customer Service:
Mon. – Fri 8:00 – 22:00
Sat. – from 9:00 to 17:00
Debt Collection Department:
Mon. – Fri 8:00 – 22:00
Sat: 9:00 -17: 00 Bank accounts:

  • PKO Bank Polski / Inteligo
  • Pekao SA
  • mBank / BRE Bank / MultiBank
  • BZWBK / Kredyt Bank
  • ING Bank Śląski
  • Alior Bank / T-mobile / Bank BPH
  • Millennium Bank
  • Getin Bank

Loan company: Ducatos Sp. z o. o
ul. Postępu 18B, 02-676 Warsaw
KRS: 0000655385
Tax ID: 7010645707
REGON: 366164896
CAPITAL CAPITAL: PLN 200,000
 1 2 3 4 5 4.1 (3370 votes) PLN 1,000 from PLN 100 to PLN 1000 30 days from 1 day to 30 days PLN 0 APRC: 0% Submit an application » Detailed information

  • Details of the loan
  • Requirements for the loan
  • Charges and costs of delay
  • About company

General terms of loans in Filarum Free first loan: YES, up to 1,000 PLN for 30 days Possible loan amount: from PLN 100 to PLN 1,000 Possible loan period: from 1 day to 30 days Age: from 20 years to 76 years Payday of the loan: immediately or within one business day (depending on the bank in which you have an account) Databases checked by Filarum:

  • ERIF
  • KRD
  • InfoMonitor

Representative example of loans in Filarum: The maximum amount of the first loan is PLN 1,000. A one-off registration fee charged only for the first loan is PLN 0.01. The actual Annual Interest Rate (APY) for the first loan is 0%. A representative example for the first loan: total loan amount PLN 1,000, contract duration – 30 days, fixed interest rate 0% per year, total cost of the loan PLN 0, total amount to be paid PLN 1,000 (as at 19/10/2017) . The granting of a loan depends on a positive assessment of the applicant’s creditworthiness. A representative example for another loan: total loan amount PLN 2,000, contract duration – 30 days, fixed interest rate of 10% per annum, total loan cost 562.16 (including capital interest PLN 16.44, commission 545.72) , Actual Annual Interest Rate (APR) 1936.3%, total amount to be paid PLN 2,562.16 (as at 19/10/2017). The granting of a loan depends on a positive assessment of the applicant’s creditworthiness. Your current loan settings: You borrow PLN 1,000 For a period of 30 days Number of installments: 1 You give up: PLN 1,000 The cost of the loan: 0 PLN The repayment date is 25/05/2019 Use filters to change the parameters of the loan Documents needed to submit an application:

  • ID card (information from this document should be provided in the loan application),
  • bank account of which you are the sole owner (necessary to confirm the identity and / or payment of the loan),
  • e-mail adress,
  • mobile phone,
  • Polish nationality,
  • address of residence on the territory of PL.

Age: To get a loan in Filarum you must have: from 20 years to 76 years Also read:

  • Applying for a loan in Filarum

Payments for the loan and costs of delay in repayment:

Commission for a loan: 0 PLN

Interest: PLN 0

Fee for extending the payment deadline:

No possibility to extend the loan repayment date. If you are late with the return of borrowed money, Filarum will charge you with penalty interest for each day of delay (read below for details).

Costs of delay in repayment:

If you are late with the timely repayment of your loan, Filarum will add additional costs in the form of statutory interest (Article 481 § 2 1 of the Civil Code).

For a loan of 1000.00 PLN it will be 0.38 PLN for each day of delay.

Other effects of non-payment of the loan within:

If you do not repay the loan on time, in addition to the statutory interest described above, you must reckon with the fact that:

  • the lender can sell your loan to a debt collection company or directly refer the case to court, and you will be charged for such actions,
  • in the case of a delay exceeding 60 days, you will be entered in the BIG debtors’ registers, which will lower your creditworthiness and reduce the chance for another loan, you can expect different calls for payment.

Contact details : BRAND’S NAME: Filarum WWW: filarum.pl Email: info@filarum.pl, przelew@filarum.pl, windykacja@filarum.pl Phone:
Customer Service: 222 66 80 80 Payments: 755 44 65 21 Debt collection: 222 668 305 Work hours:
Mon. – from 8:00 to 22:00 Bank accounts:

  • Alior Bank,
  • PKO BP,
  • PEKAO SA,
  • Bank Zachodni WBK,
  • mBank
  • Millennium Bank

Loan company: LOAN COMPANY: Rapid Finance Polska Sp. z o. o
COMPANY ADDRESS: ul. Postępu 18A, 02-676 Warsaw
KRS: 0000439376
Tax ID: 5252542660
REGON: 146381003
CAPITAL CAPITAL: PLN 316,000

 

Compare offers

Compare offers

Even if you have already exhausted the possibility of borrowing for free, you can still save on a break or a non-bank installment loan. All you need to do is compare a few offers and decide on the most advantageous, and therefore the cheapest. Tools for comparing financial products, such as our ranking of quick loans, allow you to accurately assess the offer of lenders. You will check, without having to visit the parties of punctual companies, the costs of the loan, the total amount to be refunded, and even the required documents, the way of verifying your identity, working hours or the speed of transferring cash.

Such a reliable list of the most popular lenders allows you to choose an offer that will not cost too much and will allow you to save a part of the household budget allocated for its repayment.

Compare quick loan offers

Take advantage of promotions and loyalty programs

Take advantage of promotions and loyalty programs

Loan companies often organize various competitions and promotions, with which you can save a lot. You can win a full or partial repayment of the loan, attractive cash or in-kind prizes. It happens that the lenders offer rebates for the next few minutes. Saving on borrowing will also bring you a regular customer of companies that offer loyalty programs. Thanks to such actions, subsequent loans are often cheaper than in the case of standard clients.

Check the latest promotions

Where is being a loyal customer pays off?

without BIK!  1 2 3 4 5 4.1 (2964 votes) PLN 1,000 from PLN 200 to PLN 2000 30 days from 10 days to 30 days PLN 0 APRC: 0% Submit an application » Detailed information

  • Details of the loan
  • Requirements for the loan
  • Charges and costs of delay
  • About company

General terms of loans in Smart loan Free first loan: YES, up to PLN 2,000 for 30 days Possible loan amount: from PLN 200 to PLN 2,000 Possible loan period: 10, 15, 20, 25 or 30 days Age: from 19 years to 73 years Payday of the loan: 15 min (if the borrower has an account in the same bank as the Smart Loan) Databases checked by Smart loan:

  • ERIF
  • KRD

Representative example of a loan in a Smart loan: The one-time registration fee is PLN 0.01. The first loan selected for a period of 5 to 30 days is completely for PLN 0. Her APY is 0%, preparation fee is 0%, commission is PLN 0. Your current loan settings: You borrow PLN 1,000 For a period of 30 days Number of installments: 1 You give up: PLN 1,000 The cost of the loan: 0 PLN The repayment date is 25/05/2019 Use filters to change the parameters of the loan Documents needed to submit an application:

  • ID card (information from this document should be provided in the loan application),
  • bank account of which you are the sole owner (necessary to confirm the identity and / or payment of the loan),
  • e-mail adress,
  • mobile phone,
  • document confirming employment or receiving stable income,
  • Polish nationality,
  • address of residence on the territory of PL.

Age: To get a loan in a Smart loan you must have: from 19 years to 73 years Also read:

  • How to borrow money in Smart Loan?

Payments for the loan and costs of delay in repayment:

Commission for a loan: 0 PLN

Interest: PLN 0

Fee for extending the payment deadline:

If you are unable to return the loan according to the deadline specified in the contract, you can use the option to extend the repayment. In Smart loan, you can extend your loan for the same number of days as the loan was granted. Remember that this service is associated with additional costs. For an example loan amount of PLN 1,000 for 30 days, the costs of extending the repayment will be as follows:

extension of the loan by 30 days – PLN 282.22

If you want to extend the loan, pay the renewal fee to the lender’s account. In the transfer title, enter “PESEL no., Loan extension …. days”

Costs of delay in repayment:

If you are late with the timely repayment of your loan, Smart loan will add additional costs in the form of statutory interest (Article 481 § 2 1 of the Civil Code).

For a loan of 1000.00 PLN it will be 0.38 PLN for each day of delay.

Other effects of non-payment of the loan within:

If you do not repay the loan on time, in addition to the statutory interest described above, you must reckon with the fact that:

  • the lender can sell your loan to a debt collection company or directly refer the case to court, and you will be charged for such actions,
  • you will not meet the promotion conditions for the free first loan. This means that you will be charged standard loan costs in accordance with the Smart loan fees table,
  • you can expect different calls for payment.

Contact details : LOAN BRAND: Smart Loan WWW: smartpozyczka.pl Email: info@smartpozyczka.pl, windykacja@smartpozyczka.pl Phone:
Customer service: 85 871 00 49 Debt collection: 85 871 00 39 Work hours:
Mon. – Fri: 7:30 – 21:00
Sat. – Sun 9:00 – 17:00 Bank accounts:

  • PKO Bank Polski,
  • Alior Bank,
  • Bank Zachodni WBK,
  • mBank
  • Millennium

Other brands of this lender: belongs to Aventus Group Sp. z o. o. This company is also the owner of other non-bank brands: Small loan, Pożyczka Plus and Lew Pożyczka.

Loan company: FIRMA LOANS: PIXO Sp. z o. o
COMPANY ADDRESS: ul. Cardinal Stefan Wyszyński 2B, 15-888 Białystok
KRS: 0000530323
NIP: 5272722744
REGON: 14746922000000
CAPITAL CAPITAL: PLN 200,000

FIRMA LOANS: LTU Finance Sp. z o. o
COMPANY ADDRESS: ul. Jurowiecka 56, 15-101 Białystok
KRS: 0000611492
Tax ID: 5423255388
REGON: 36415108500000
CAPITAL CAPITAL: PLN 200,000

BUSINESS PAYMENT: Aventus Group Sp. z o. o
ADDRESS: ul. Cardinal Stefan Wyszyński 2B, 15-888 Białystok
KRS: 0000355948
NIP: 9662029390
REGON: 20035808900000
CAPITAL CAPITAL: PLN 1,500,000

 

 1 2 3 4 5 4.1 (3136 votes) PLN 1,000 from PLN 300 to PLN 3,000 30 days from 14 days to 30 days PLN 0 APRC: 0% Submit an application » Detailed information

  • Details of the loan
  • Requirements for the loan
  • Charges and costs of delay
  • About company

General terms and conditions of loans at Netcredit Free first loan: YES, up to PLN 3,000 for 30 days Possible loan amount: from PLN 300 to PLN 3,000 Possible loan period: from 14 days to 30 days Age: from 20 years to 70 years Payday of the loan: depending on the content of the borrower’s instructions, after the loan agreement enters into force Databases checked by Netcredit:

  • BIK
  • ERIF
  • KRD
  • InfoMonitor
  • The Union of Polish Banks

Representative example of a loan at Netcredit: For an example loan of PLN 1000 for 30 days (Promotional Repayment Terms) the APRC is 0% (calculated as at 25/01/2018); total loan amount: PLN 1000; fixed interest rate: 0%; total cost of the loan: PLN 0, including: Commission PLN 0, Interest PLN 0; duration of the contract: 30 days; total amount to be repaid: PLN 1000. For a sample loan PLN 1000 for 30 days (Standard Repayment Terms): APY is 674.24% (calculated as at 25/01/2018); total loan amount: PLN 1000; variable interest rate on an annual basis: 10%; total loan cost: PLN 183.20, including: Commission PLN 175, Interest PLN 8.20; duration of the contract: 30 days; total amount to be repaid: PLN 1183.20. Your current loan settings: You borrow PLN 1,000 For a period of 30 days Number of installments: 1 You give up: PLN 1,000 The cost of the loan: 0 PLN The repayment date is 25/05/2019 Use filters to change the parameters of the loan Documents needed to submit an application:

  • ID card (information from this document should be provided in the loan application),
  • bank account of which you are the sole owner (necessary to confirm the identity and / or payment of the loan),
  • e-mail adress,
  • mobile phone,
  • Polish nationality,
  • address of residence on the territory of PL.

Age: To get a loan at Netcredit you must have: from 20 years to 70 years Also read:

  • How to get a loan in Net Credit?

Payments for the loan and costs of delay in repayment:

Commission for a loan: 0 PLN

Interest: PLN 0

Fee for extending the payment deadline:

If you are unable to return the loan according to the deadline specified in the contract, you can use the refinancing option.

Learn more about this service

Remember that refinancing involves additional costs.

Costs of delay in repayment:

If you are late with the timely repayment of your loan, Netcredit will add additional costs in the form of statutory interest (Article 481 § 2 1 of the Civil Code).

For a loan of 1000.00 PLN it will be 0.38 PLN for each day of delay.

Other effects of non-payment of the loan within:

If you do not repay the loan on time, in addition to the statutory interest described above, you must reckon with the fact that:

  • the lender will charge interest and commission in accordance with the standard repayment terms,
  • the lender can sell your loan to a debt collection company or directly refer the case to court, and you will be charged for such actions,
  • in the case of a delay exceeding 60 days, you will be entered in the BIG and BIK debtors’ registers , which will reduce your creditworthiness and reduce the chance for another loan.

Contact details : BRAND NAME: NetCredit WWW: netcredit.pl Email: info@netcredit.pl, platnosci@netcredit.pl Phone:
Customer Service: 22 598 77 99 Debt collection: 22 598 77 22 Work hours:
Customer service office:
Mon. – Fri 08:00 – 21:00
Sat: 08:00 – 19:00

Debt collection:
Mon. – Fri 8:00 – 20:00
Sat: 9:00 – 17:00 Bank accounts:

  • Millennium Bank,
  • transfers processed by Blue Media

Loan company: FIRMA LOANS: Ad Credit Sp. z o. o
COMPANY ADDRESS: ul. Grzybowska 87, 00-844 Warsaw
KRS: 0000604185
Tax ID: 5252648921
REGON: 363799654
CAPITAL CAPITAL: PLN 200,000

FIRMA LOANS: Credityou Sp. z o. o
COMPANY ADDRESS: ul. Puławska 12/3, 02-556 Warsaw
KRS: 0000701336
Tax ID: 5213800158
REGON: 36860931600000
CAPITAL CAPITAL: PLN 200,000

LOAN BANKER: Net Credit Sp. z o. o
COMPANY ADDRESS: ul. Prosta 68, 00-838 Warsaw
KRS: 0000587232
Tax ID: 5272751237
REGON: 145874815
CAPITAL CAPITAL: PLN 200,000

 

 1 2 3 4 5 4.1 (1895 votes) PLN 1,000 from PLN 50 to PLN 1500 30 days from day 1 to 60 days PLN 10 APY: 6.24% Submit an application » Detailed information

  • Details of the loan
  • Requirements for the loan
  • Charges and costs of delay
  • About company

General terms of loans in Wonga Free first loan: NO Possible loan amount: from PLN 50 to PLN 1,500 Possible loan period: from 1 day to 60 days Age: min. Eighteen years Loan payout time: depends on the speed of transfer execution at the borrower’s bank Databases checked by Wong:

  • BIK
  • ERIF
  • KRD
  • InfoMonitor

An example of a representative loan in Wonga: A representative example for a Short-Term Loan: Actual Annual Interest Rate (APR) is 281.2%, total loan amount (without credited costs) PLN 500, total amount to be paid PLN 602.80, fixed interest rate 0%, total loan cost 102.80 PLN (including: commission PLN 102.80, interest PLN 0), loan period 51 days. The calculation was made on 4/10/2018 on a representative example. The amount of the loan and the time for which it is granted are determined individually based on the customer’s credit rating. Your current loan settings: You borrow PLN 1,000 For a period of 30 days Number of installments: 1 You give up: PLN 1 010 The cost of the loan: PLN 10 The repayment date is 25/05/2019 Use filters to change the parameters of the loan Documents needed to submit an application:

  • ID card (information from this document should be provided in the loan application),
  • bank account of which you are the sole owner (necessary to confirm the identity and / or payment of the loan),
  • Polish nationality,
  • address of residence on the territory of PL.

Age: To get a loan in Wonga you must have: min. Eighteen years Also read:

  • How to get a loan in Wonga?

Payments for the loan and costs of delay in repayment:

Commission for a loan: for a sample loan PLN 1,000 for 30 days = PLN 10 (1% commission for a loan for 30 days)

Interest: PLN 0

Fee for extending the payment deadline:

No possibility to extend the loan repayment date. If you are late with the return of borrowed money, Wonga will charge you penalty interest for each day of delay (read below for details).

If you are unable to return the loan in accordance with the deadline specified in the contract, be sure to contact Wonga by phone. You will find the necessary contact details in the “about the company” tab. Wonga assures that he will try to propose the best solution in the situation.

Costs of delay in repayment:

If you are late with the timely repayment of your loan, Wonga will add additional costs in the form of statutory interest (Article 481 § 2 1 of the Civil Code).

For a loan of 1000.00 PLN it will be 0.38 PLN for each day of delay.

Other effects of non-payment of the loan within:

If you do not repay the loan on time, in addition to the statutory interest described above, you must reckon with the fact that:

  • the lender can sell your loan to a debt collection company or directly refer the case to court, and you will be charged for such actions,
  • in the case of a delay exceeding 60 days, you will be entered in the BIG and BIK debtors’ registers , which will reduce your creditworthiness and reduce the chance for another loan,
  • you can expect different invoices for payment sent with the following frequency: in accordance with good morals, at intervals allowing the borrower to immediately pay off the debt, assuming that an effective debt collection action, i.e. enabling the date of repayment of the outstanding payment by both parties, e.g. effective telephone contact will not be performed more frequently than once every 3 days,
  • the lender may terminate the loan agreement and you will be obliged to immediately return the borrowed capital.

Contact details : BRAND NAME: Wonga WWW: wonga.pl Email: kontakt@wonga.com Phone:
Customer Service: 22 388 88 88 Customer Service: 660 168 100 Work hours:
Mon. – Fri 08:00 – 22:00
Sat. – from 09:00 to 17:00 Bank accounts:

  • Alior Bank,
  • Bank Ochrony Środowiska,
  • BGŻ BNP Paribas,
  • BPH
  • Bank Zachodni WBK,
  • Deutsche Bank Polska,
  • FM Bank,
  • Getin Bank,
  • Idea Bank,
  • ING Bank Śląski,
  • Inteligo
  • Invest Bank,
  • Credit Agricole,
  • mBank
  • Meritum Bank,
  • Millennium Bank,
  • Multibank,
  • PEKAO SA,
  • PKO BP,
  • Bank Pocztowy,
  • Raiffeisen Polbank,
  • Toyota Bank,
  • VW Bank

Loan company: FIRMA GRANTING LOANS: Wonga.pl Sp. z o. o
COMPANY ADDRESS: ul. Stanisława Żaryna 2B, Building D, 02-593 Warsaw
KRS: 0000412352
NIP: 1132853869
REGON: 14602596900000
CAPITAL CAPITAL: PLN 10,000,000

 

without BIK!  1 2 3 4 5 4.1 (2165 votes) PLN 1,000 from PLN 200 to PLN 2000 30 days from 5 days to 30 days PLN 0 APRC: 0% Submit an application » Detailed information

  • Details of the loan
  • Requirements for the loan
  • Charges and costs of delay
  • About company

General terms of loans in Pożyczka Plus Free first loan: YES, up to PLN 2,000 for 30 days Possible loan amount: from PLN 200 to PLN 2,000 Possible loan period: 5, 10, 15, 20, 25 or 30 days Age: from 21 years to 73 years Payday of the loan: about 15 minutes Bases checked by Plus Loan:

  • ERIF
  • KRD
  • BIG

Representative example of loans in Pożyczka Plus: The maximum amount of the online loan is PLN 8,000. The condition for receiving the first loan is to pay the registration fee in the amount of PLN 0.01 or verification using the Kontomatik application. The first loan for PLN 2000, selected for the periods of 5, 10, 15, 20, 25 and 30 days, costs only PLN 0.
A representative example for the first loan: APY (Actual annual interest rate) is 0%, assuming: total loan amount PLN 1000, total amount to be paid PLN 1000, RSO (annual interest rate) fixed interest rate is 0%, total cost PLN 0, duration of the contract 30 days. Subject to timely repayment.

A representative example for a loan not covered by the promotion:
The APRC (Actual annual interest rate) is 1958.47%, assuming: the total loan amount is PLN 1000, the total amount to be repaid is PLN 1282.22, RSO (annual interest rate) the variable interest rate is 10% (Article 359 § 21 CC) – capital interest), the total cost is PLN 282.22, including the Commission PLN 274, the capital interest PLN 8.22, the duration of the contract is 30 days. Your current loan settings: You borrow PLN 1,000 For a period of 30 days Number of installments: 1 You give up: PLN 1,000 The cost of the loan: 0 PLN The repayment date is 25/05/2019 Use filters to change the parameters of the loan Documents needed to submit an application:

  • ID card (information from this document should be provided in the loan application),
  • bank account of which you are the sole owner (necessary to confirm the identity and / or payment of the loan),
  • mobile phone,
  • document confirming employment,
  • Polish nationality,
  • address of residence on the territory of PL.

Age: To get a loan in the Plus loan you must have: from 21 years to 73 years Also read:

  • How to take a loan in Plus Loan?

Payments for the loan and costs of delay in repayment:

Commission for a loan: for a sample loan PLN 1,000 for 30 days = PLN 0

Interest: for a sample loan PLN 1,000 for 30 days = PLN 0

Fee for extending the payment deadline:

If you are unable to return the loan according to the deadline specified in the contract, you can use the option to extend the repayment. The Lender} {item you can extend your loan by 30 days. Remember that this service is associated with additional costs. For an example loan amount of PLN 1,000 for 30 days, the costs of extending the repayment will be as follows:

extension of the loan by 30 days – PLN 282.22

Costs of delay in repayment:

If you are late with the timely repayment of your loan, Plus Loan will add additional costs in the form of statutory interest (Article 481 § 2 1 of the Civil Code).

For a loan of 1000.00 PLN it will be 0.38 PLN for each day of delay.

Other effects of non-payment of the loan within:

If you do not repay the loan on time, in addition to the statutory interest described above, you must reckon with the fact that:

  • the lender can sell your loan to a debt collection company or directly refer the case to court, and you will be charged for such actions,
  • in the case of a delay exceeding 60 days, you will be entered in the BIG debtors’ registers , which will reduce your creditworthiness and reduce the chance for another loan,
  • you will not meet the promotion conditions for the free first loan. This means that you will be charged standard loan costs in accordance with the Plus Loan payment table,
  • the lender may terminate the loan agreement and will be obliged to immediately return the borrowed capital.

Contact details : BRAND NAME: Plus loan WWW: pozyczkaplus.pl Email: info@pozyczkaplus.pl Phone:
Hotline:: 85 871 00 52 Overdue payments: 85 871 00 38 Work hours:
Mon. – Fri 07:30 – 21:00
Sat. – from 09:00 to 17:00 Bank accounts:

  • PKO Bank Polski,
  • Millennium Bank,
  • Bank Zachodni WBK,
  • Alior Bank,
  • Bank PEKAO SA

Other brands of this lender: belongs to Aventus Group Sp. z o. o. This company is also the owner of other non-bank brands: Small loan, Smart Loan and Lion Loan. Loan company: LOAN COMPANY: TUSUMI Sp. z o. o
COMPANY ADDRESS: ul. Młynowa 38/41, 15-404 Białystok
KRS: 0000507929
Tax ID: 5272712533
REGON: 14718671700000
CAPITAL CAPITAL: PLN 200,000

FIRMA LOANS: ARENA Finance Sp. z o. o
COMPANY ADDRESS: ul. Warszawska 6/32, 15-063 Białystok
KRS: 0000617270
NIP: 9662104051
REGON: 36443336900000
CAPITAL CAPITAL: PLN 200,000

BUSINESS ACCOUNT: Aventus Group Sp. Z o. O
ADDRESS: ul. Card. St. Wyszyńskiego 2B p. III, 15-888 Białystok
KRS: 0000355948
NIP: 9662029390
REGON: 200358089
CAPITAL CAPITAL: PLN 1,500,000

 

Repay the loan ahead of schedule

Repay the loan ahead of schedule

In some loan companies, being a reliable client pays off. If you pay back the money before the time limit set in the contract, you can apply for a refund of costs charged for subsequent days. So if you give a loan a week before the deadline, the lender will refund you the cash for the unused period.

Borrow and save

Borrow and save

As you can see, you can save even on borrowing. All you have to do is know how to skilfully use the offers. Of course, we will get the most cash, not borrowing at all, but it is not always successful. So it is better – if we have to use the offer of a non-bank company – choose the one we least lose.

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