Online Loan. The Cheapest Loans over the Internet

 

 

 

Credit over the Internet – what is it?

 

An online loan is a cash loan available entirely on the Internet . We can get money without walking through bank branches or outlets – we’ll get all the paperwork through the Internet.

What is important – the money can be used for any purpose (renovation of a flat, holiday, home electronics / home appliances or buying a car). Unfortunately, only a few banks in Poland have such a loan on offer. Fortunately, some of them do not require certificates of income – just a bank account statement or just a statement about the income you get .

We check which banks offer the best loan over the Internet. The offer is valid for May 2019 .

ONLINE LOANS – RANKING

1. Online loan for T-Mobile Banking Services

  • Loan amount: up to PLN 200,000
  • Repayment: up to 10 years
  • Credit without leaving home
  • No income statements
  • Money for any purpose
  • APY: 16.52%

Submit an application

Most often chosen credit in the statement. Filling the application is only a few minutes, and we can receive the money even within one business day.

2. Alior Bank loan

  • Loan amount: up to PLN 200,000
  • Repayment: up to 5 years
  • It is possible to consolidate loans / credits
  • Money entirely via the Internet
  • Available loan calculator
  • APR: 13.70%

Submit an application

“Loan with Micro Chateaux” is a novelty in Alior Bank’s offer. The maximum amount is even PLN 200,000, we’ll complete all formalities without leaving your home. We can spend the money for any purpose – also for consolidation of other loans.

3. PKO BP Mini Ratka

  • Loan amount: from 1000 to 10,000 PLN
  • Repayment: from 3 to 15 months
  • Payment even in 1 day
  • Possibility to take advantage of credit holidays
  • Available loan calculator
  • APRC 10.47%

Submit an application

A quick loan via the Internet at PKO BP. The bank offers credit holidays and no commission for early repayment. We can receive money even within one day.

4. Alior Bank online loan

  • Loan amount: from PLN 500 to PLN 50,000
  • Repayment: up to 10 years
  • All over the Internet
  • Commission 0% – promotion
  • Available loan calculator
  • APR 12.82%

Submit an application

A promotional offer for new customers of Alior Bank. An online loan is available with life insurance. The Bank does not charge a commission for granting the loan.

5. Santander Bank Polska

  • Loan amount: up to PLN 230,000
  • Repayment: up to 10 years
  • Money for any purpose
  • 100% via the Internet
  • Promotion only until 31/05/2019
  • APR 7.78%

Submit an application

The promotion of Internet credit at Santander Bank Polska lasts only until the end of May. One of the cheapest offers on the market.

6. Finai

  • Loan amount: from PLN 1,000 to PLN 50,000
  • Repayment: from 6 to 84 months
  • Offers from many banks
  • All over the Internet
  • No income statements
  • APRC from 17,3%

Submit an application

The platform allows you to take credit via the Internet in: Credit Agricole, Eurobank, InBank and Nest Bank.

7. Eurobank internet loan

  • Loan amount: from PLN 500 to PLN 50,000
  • Repayment: from 3 to 60 months
  • A 100% loan via the Internet
  • Payment in up to 15 minutes
  • Money for any purpose
  • APRC 20.10%

Submit an application

In the case of amounts up to PLN 4,000 – just a statement about income. If we want a larger amount – the bank accepts a bank account statement.

8. Bancovo

  • Loan amount: from PLN 500 to PLN 200,000
  • Repayment: from 2 months to 10 years
  • All over the Internet
  • Quick decision and cash withdrawal
  • Available loan calculator
  • APRC 9.59%

Submit an application

Bancovo is solely a financial intermediary. The online loan is granted by Alior Bank, T-Mobile Usługi Bankowe, Inbank or Santander Bank Polska.

Who is online credit for?

Internet loans are becoming more and more popular with customers. It is hardly surprising – we settle all formalities without leaving home. You do not have to stand in a branch or branch of the bank. For this reason, online credit is also called a loan without leaving your home or a loan via the Internet. Unfortunately, online credit has only a few Banks, but this number is gradually increasing.

Who can get the loan online? This is a product for people who:

– 18 years of age

– have full legal capacity

– they live and work in Poland

– have creditworthiness

– they have a positive credit history.

The most frequent problem with obtaining loans is people with low incomes and bad credit history at BIK.

Online credit – required documents

Online credit - required documents

What documents are required to obtain an online loan or loan? Just like with a regular loan, the client needs:

– data from an ID card (PESEL number, number and series of evidence, date of issue, expiration date)

– information on the amount of monthly income and sources.

Most banks expect receipts from customers for their income. However, in the case of loans over the Internet, formalities are kept to a minimum.

Banks honor the bank account statement affected by our income. Thanks to this, we do not have to send any income documents. We only submit a statement of income in the loan application .

We usually sign the contract by courier or by paying the so-called verification transfer (in the title of the transfer we submit a declaration of will about joining the contract). In the summary, we present the best online loans available in the Banks. In addition, we present the best online loans, online loans for companies, online credit for proof and products available online for people with bad credit history.

FREE ONLINE CREDIT

At present, no bank offers free internet credit. Loan companies that offer free loans even for a larger amount come with the help.

1. Zaplo

  • Free loan: up to PLN 15,000
  • Promotion only until April 23, 2019
  • All you need is a statement of income
  • All without leaving your home
  • APRC: 0% (for the duration of the promotion)

Submit an application

An interesting alternative for people looking for credit via the Internet. The “Test Zaplo” promotion lasts until 23/04/2019.

2. SuperGrosz

  • Free loan: up to PLN 10,000
  • Promotion until further notice
  • All over the Internet
  • No statement of earnings
  • APY: 0% (promotional)

Submit an application

Polish loan company. Regular customers can count up to 15,000 PLN.

3. Provident

  • Free loan: up to PLN 1,500
  • Repayment: 4 monthly installments
  • A loan for any purpose
  • All over the Internet
  • APY: 0% (promotion)

Submit an application

A popular loan company. The “Loan for 0 PLN for 4 months” promotion is addressed to new customers.

Do you need a loan online, but do you have a bad credit history? Check out the top three loans without verification at BIK.

ONLINE LOANS FOR PEOPLE WITH EVIL HISTORY

1. Rapida Money – the cheapest loan online

  • Loan: from PLN 2,500 to 25,000
  • Repayment: from 12 to 48 months
  • For people with a negative credit history
  • Also for unemployed people
  • All over the Internet
  • Loan calculator available
  • No income statements
  • APRC 49.6%

Submit an application

 

2. Profi Credit – quick loans

  • Loan: from PLN 500 to 25,000
  • Repayment: from 3 to 48 months
  • Application via the Internet
  • Also for people with other obligations
  • The possibility of extending the repayment
  • Minimal formalities
  • Up to PLN 9000 also for a statement
  • APRC 89.93%

Submit an application

 

3. Ferratum Bank – also for indebted people

  • Loan: from 1,000 to 5,000 PLN
  • Repayment: from 6 to 24 months
  • Also for people in debt
  • All over the Internet
  • No verification at BIK
  • No income statements
  • Money for any purpose
  • For regular customers up to PLN 10,000

Submit an application

4. Finzmo

  • Loan: from 1,000 to 25,000 PLN
  • Repayment: from 3 to 48 months
  • All without leaving your home
  • Financial platform
  • Banks and loan companies on offer
  • Minimal formalities
  • Fast credit decision
  • APY from 0%

Submit an application

ONLINE CREDIT FOR COMPANIES

1. Ratkom for companies

  • Loan amount: 1000 to 20,000 PLN
  • Repayment: from 1 to 36 months
  • All over the Internet
  • From the first day of operation
  • A quick decision
  • APRC 84.26%

Submit an application

A popular online loan for businesses. To receive money, no ZUS or US certificate is required.

2. BOSS Loan – loan for companies online

  • Loan: from PLN 1,000 to PLN 10,000
  • Repayment: from 1 to 24 months
  • All over the Internet
  • No certificates from ZUS and US
  • Money even in 1 day
  • Also for new companies

Submit an application

 

3. PKO BP – Start loan

  • Loan for companies: up to PLN 100,000
  • Repayment: up to 5 years
  • From day 1 of business
  • Application via the Internet, an agreement concluded at the branch
  • Money for the opening and development of the company

Submit an application

 

4. Aasa dla Biznesu – loan for entrepreneurs

  • Loan: from PLN 1,000 to PLN 10,000
  • Repayment: from 6 to 24 months
  • A quick loan decision
  • Also for new activities
  • No certificates

Submit an application

More information about online loans for companies can be found here:

– Idea Bank

– iWoca

– Profi Credit

LOANS ONLINE FOR PROOF

1. Alior Bank – online loan for the statement

  • Loan up to PLN 200,000
  • All you need is a statement of income
  • Only as an ID card
  • Credit calculator
  • Money even in 1 day
  • APRC 17.70%

Submit an application

 

2. hapipożyczki – without certification

  • A loan up to PLN 15,000
  • Repayment from 3 to 24 months
  • All you need is a statement of income
  • All over the Internet
  • Fast credit decision
  • APRC 78.35%

Submit an application

 

3. Zaplo.pl – loan without certificates

  • A loan up to PLN 10,000
  • No income statements
  • A quick loan decision
  • Also for people in debt
  • Online loan, without leaving your home
  • APRC 78.6%

Submit an application

Why is it worth taking a loan online?

Why is it worth taking a loan online?

1) Saving time

We do not waste time visiting the branch and queue up. We will submit the entire application via the Internet – from anywhere. We can do it from a desktop computer, a laptop, as well as a smartphone or tablet. In the case of online loans, we also receive a credit decision in a flash. Some banks inform us about the preliminary decision at the stage of sending basic personal data.

2) Minimum formalities

Normal credit in a bank is usually associated with the need to submit a number of documents, including the most important one – a certificate of income. In the case of applying for a loan via the Internet, banks usually accept a bank account statement, i.e. a transaction history on our bank account (usually from 6 months).

3) Installment amount via the Internet

Most banks providing online cash loans offer simple loan calculators on their websites. Thanks to them, we can set the amount of the installment just before submitting the application. The calculator will also show us the total amount to be paid and other costs of the loan: fees, commissions or insurance.

Detailed information on loans for evidence can be found here:

Loan without Alior Bank certificates

Loan without SMART Bank certificates

Loan without mBank certificates

Hapi loan online. Loans

The list includes the following products: – online loan iGotówka at BGŻ BNP Paribas Bank
– online loan at Alior Bank
– online credit at mBank
– Meritum Bank online credit (also provided under the Tesco online loan)
– online loan at T-Mobile Usługi Bankowe
– iKredyt – online loan Getin Bank- online loan Bank Smart- online loan at Santander Bank- online loan Sygma Bank- online loan PKO BP- online loan Bank Millennium
– online loan Bank Citi Handlowy – online loan Alior Sync (currently T-Mobile Usługi Bankowe) – online loan Orange Finanse (service provider is mBank) – loan Inbank Below detailed information on individual loans: – online loan Alior Bank – loan iGotówka BGŻ BNP Paribas – online loan T-Mobile Usługi Bankowe – online credit iKredit in Getin Noble Bank – online loan Santander Consumer Bank – online loan PKO BP

– SMART Bank online credit
– online credit at mBank
– Bank Millennium loan
– Citi Handlowy online loan

– Deutsche Bank online credit

– Nest Bank online loan

– Orange Finanse online credit

– Inbank loan

– Eurobank instant loan

The above products are available in Banks. If, however, we need a smaller amount for a shorter period – it is worth considering a free online loan. After 30 days we give away exactly as much as we borrowed.

HOW TO OBTAIN CREDIT BY THE INTERNET

Online loan iGotówka at BGŻ BNP Paribas

1. Go to the website www.igotowka.pl and use the sliders to choose the amount of the loan, its purpose and the number of installments.

2. We file a loan application. In the application, we provide basic personal, contact and earnings data.

3. After submitting the application, we automatically receive an initial credit decision.

4. Signing the loan agreement. We have two options: we sign the contract electronically (online, without going home) or through a branch.

5. Starting the loan and withdrawing money.

In the case of iGotówka, the loan is available online only up to PLN 20,000. If we want to receive a loan in a larger amount, a visit to the Bank branch will be necessary.

Online loan at Alior Bank – credit procedure

1. We apply for a loan on the Bank’s website: http://www.aliorbank.pl. The bank automatically issues a preliminary decision on granting the loan.

2. After submitting the application, Alior Bank consultant contacts us . We handle all paperwork during one phone call.

3. Payment of money to the indicated bank account.

How to get a loan online at mBank

For mBank customers:

1. Apply online. We indicate that we are clients of mBank.

2. Login to a personal account at mBank. The system itself indicates the amount of the loan we can receive without presenting documents confirming income.

2. Acceptance of the terms of the agreement in the mBank transaction service. Here, we indicate the amount of the quota, the number of installments and the installment payment date.

3. Payment of money – even in 15 minutes.

For Clients who do not have an account at mBank:

1. Apply online.

2. Client verification : it is enough to send to mBank by e-mail a scan of the bank account history, which is affected by the remuneration.

3. The final credit decision .

4. Verification transfer in the amount of 1 PLN from our account in order to conclude a loan agreement.

5. Cash payment even within 15 minutes.

We tested the online loan at mBank. The money on your account came in just 12 minutes! Read the online loan review at mBank.

How to get a loan online at T-Mobile Banking Services

1. Applying for a loan at http://www.t-mobilebankowe.pl/pozyczka. The bank automatically issues a preliminary decision on granting the loan.

2. In case of a positive decision, it will be necessary to verify the income indicated in the loan application. There are two options: online verification (via the bank’s online banking system, whose account we have) or a courier visit.

3. Contact a consultant with T-Mobile Usługi Bankowe. At this point, we learn the final terms of the loan. In the case of loans up to PLN 20,000, it is possible to conclude a contract during a telephone conversation. We will sign the remaining loans with the help of a courier.

4. Payment of money to the indicated bank account.

How to get a loan online at Bank SMART

Smart Bank allows you to get a loan online, up to 150,000 PLN. The procedure is very simple:

1. We submit the application online. We automatically receive an initial credit decision.

2. We approve the final credit decision by e-mail.

3. Signing the contract by means of a verification transfer in the amount of PLN 0.01.

4. Payment of the loan to the account.

How to get a loan with iKredyt

1. On the iKredyt website, select the loan amount and the number of installments. It is worth noting the option without insurance – it is much cheaper.

2. We fill out the loan application. We will need photos of our ID to complete it.

3. Verification transfer and credit decision.

4. Payment of money to the account.

How to get a loan online at PKO BP

1. On the PKO BP website, we indicate the amount of the loan and the repayment period.

2. The calculator automatically calculates the amount of the monthly installment.

3. We apply for a loan by providing basic data.

4. Verification of creditworthiness.

5. Payment of the loan to the account.

How to get a loan at Santander Consumer Bank

1. We fill out the form on the Santander Bank website.

2. A bank employee contacts us by phone and presents an offer.

3. Transfer of documents to the bank: using the application or courier.

4. Credit decision and payment of money by bank transfer.

How to get a loan at Meritum Bank

Meritum Bank was fully taken over by Alior Bank. All Clients who want to take credit via the Internet are sent directly to Alior Bank’s offer.

How to get a loan from Bank Millennium

1. We submit the application on the Bank’s website.

2. We automatically get the initial credit decision.

3. We choose the method of concluding the contract: via the Internet (up to PLN 10,000) or in a branch.

4. Payment of money to the account.

How to get a loan at Citi Handlowy

1. We fill out the loan application.

2. Contact of a bank employee.

3. Sending the required documents – in the form of scans.

4. Credit decision and withdrawal of funds.

How to get a loan for evidence at Alior Bank

We will only need a personal ID, telephone number, e-mail address and bank account to receive a loan online.

1. Go to the Alior Bank website and use the loan calculator to select the loan amount and the repayment period.

2. In the case of a loan up to PLN 4,000, no documents confirming income are required. All you need is a Customer statement about your earnings.

3. The Alior Bank employee contacts us and sets out the loan details.

4. Payment of money to the account.

How to get a loan for evidence in SMART Bank

1. We fill out an online application for a loan. It is fully available without leaving your home.

2. The system automatically issues the initial credit decision.

3. Approval of a credit decision via e-mail.

4. Signing the contract via a verification transfer in the amount of PLN 0.01.

5. Transfer money to our account.

Up to PLN 3,900, the loan is available “as evidence” – only on the basis of the Client’s statement.

How to get a loan as proof in mBank

1. First, we indicate whether we have a personal account at mBank

2. Existing Customers log in to their online banking, new Clients fill out the loan application.

3. Customer verification and conclusion of the contract via password sent by SMS.

4. Payment of money to the indicated account.

HOW IT COSTS LOAN ONLINE

Below, we present examples of online credit costs.

Online loan in the amount of PLN 10,000, repayment in 12 installments

– online loan Bank Millennium: PLN 901
– Alior Bank online loan: installment PLN 912
– T-Mobile Banking Services loan: installment PLN 913
– Smart Bank loan: installment PLN 918
– Citi Handlowy loan: installment PLN 955
– mBank loan: installment PLN 994
– Getin Bank Credit: installment PLN 1034

An online loan in the amount of PLN 10,000, repayment in 24 installments

– T-Mobile Banking loan: installment PLN 474
– Smart Bank loan: installment PLN 484
– Bank Millennium online loan: PLN 485
– Citi Handlowy loan: installment PLN 489
– Alior Bank online loan: PLN 495 installment
– mBank loan: installment PLN 518
– iGredit Getin Bank: installment PLN 542

Online loan PLN 20,000, repayment in 24 installments

– Smart Bank loan: installment PLN 969
– Bank Millennium online loan: PLN 970
– Citi Handlowy loan: installment PLN 978
– Alior Bank online loan: PLN 990 installment
– T-Mobile Banking loan: PLN 991
– mBank: PLN 1036
– iGotówka: PLN 1051

Online loan PLN 20,000, repayment in 48 installments

– Citi Handlowy loan: installment PLN 514
– T-Mobile Banking loan: PLN 515
– Smart Bank loan: installment PLN 537
– Bank Millennium online loan: PLN 558
– mBank: PLN 567
– iGotówka: PLN 578
– Alior Bank online loan: installment PLN 579

Online loan PLN 40,000, repayment in 36 installments

– T-Mobile Banking loan: PLN 1307
– Citi Handlowy loan: installment PLN 1337
– iGotówka: PLN 1357
– Smart Bank loan: installment PLN 1368
– online loan Bank Millennium: PLN 1398
– Alior Bank online loan: installment PLN 1430
– mBank: PLN 1445

Online loan PLN 40,000, repayment in 60 installments

– Citi Handlowy loan: installment PLN 842
– T-Mobile Banking loan: PLN 867
– iGotówka: PLN 909
– Smart Bank loan: installment PLN 909
– mBank: PLN 951
– Bank Millennium online loan: PLN 957
– Alior Bank online loan: installment PLN 998

Online loan PLN 60,000, repayment in 72 installments

– Citi Handlowy loan: installment PLN 1078
– T-Mobile Banking loan: PLN 1138
– iGotówka: PLN 1183
– Smart Bank loan: installment PLN 1189
– mBank: PLN 1244
– Bank Millennium online loan: PLN 1279
– Alior Bank online loan: PLN 1341

Online loan PLN 60,000, repayment in 96 installments

– T-Mobile Banking loan: PLN 938
– Smart Bank loan: installment PLN 983
– iGotówka: PLN 1071 (maximum period is 84 months – 8 years)
– mBank: PLN 1,115 (maximum period: 84 months – 8 years)
– Alior Bank online loan: installment PLN 1,154
– Bank Millennium online loan: PLN 901 (maximum period: 84 months – 8 years)

Online loan PLN 80,000, repayment in 96 installments

– T-Mobile Banking loan: PLN 1234

– Smart Bank loan: installment PLN 1311

– iGotówka: PLN 1428 (maximum period: 84 months – 8 years)

– mBank: PLN 1486 (maximum period: 84 months – 8 years)

– Alior Bank online loan: installment PLN 1539

Online loan PLN 100,000, repayment in 96 installments

– T-Mobile Banking loan: PLN 1,503
– Smart Bank loan: installment PLN 1638
– iGotówka: PLN 1784 (maximum period: 84 months – 8 years)
– Bank Millennium online loan: PLN 1833 (maximum period: 84 months – 8 years)
– mBank: 1858 PLN (maximum period is 84 months – 8 years)
– Alior Bank online loan: installment PLN 1,924

We also checked the installment for the maximum loan amount:

A loan from T-Mobile Usługi Bankowe

We can borrow maximum PLN 200,000 for 10 years

The monthly installment will then amount to PLN 2585

Kredyt iGotówka BGŻ BNP Paribas

0 borrow up to 12 000 zł for 7 years

The monthly installment will then amount to PLN 2140

MBank online loan

We will loan maximum PLN 133 900 for 7 years

The monthly installment will amount to PLN 2488

Kredytyt i Kredyt Getin Bank

We will lend maximum PLN 10,000 for three years

The monthly installment will amount to PLN 379

Alior Bank loan

We can borrow up to PLN 150,000 for 10 years

Monthly installment PLN 2626

SMART Bank loan

We can borrow up to PLN 150,000 for 10 years

Monthly installment PLN 2160

ING Bank Śląski loan

We can borrow up to PLN 160,000 for 8 years

Monthly installment PLN 2,200

Sygma Bank loan
We will loan maximum PLN 20,000 for 6 years
Monthly installment 523 PLN

Bank Millennium loan
We will loan maximum PLN 150,000 for 7 years
Monthly installment PLN 2337

Citi Handlowy loan
We will loan maximum PLN 150,000 for 7 years
Monthly installment of PLN 2695 (APY is then 9.22%)

Which Bank will grant online credit without certification?

Currently, only mBank, for Customers who have a personal account with this bank. At that time, the Bank does not require any income statements. This is the fastest online loan available on the market. The customer receives money in just 15 minutes. The application can be submitted here:

Submit an application

How to get a loan in Profi Credit

1 . On the Profi Credit website, we select the loan amount and basic personal data: name, telephone number, e-mail address and zip code.

2. A Profi Credit employee contacts us by phone and arranges all formalities.

3. A loan decision and withdrawal of funds to the account.

How to get a loan in Providence

1. Go to the Provident website and select the loan amount and the repayment period using the slider.

2. We fill out a loan application via the Internet.

3. Contact of a Provident employee and a loan decision.

4. Payment of money to the account.

How to get a loan at Ferratum Bank

1 . On the Ferratum Bank website, we select the amount of the loan and the number of installments.

2. We fill out the loan application. We only need a personal ID and bank account number for the application.

3. Verification of our identity. We can choose between two options: a verification transfer in the amount of PLN 0.01 or using the Instantor application (access to a bank account).

4. Payment of money to the account.

How to get a loan online at Extraportfel.pl

1. We select the loan amount and the repayment period.

2. We receive immediately the decision to grant the loan – by SMS and e-mail.

3. Payment of money to the account.

Which Bank grants online credit for a statement?

Some Banks give the opportunity to receive a loan only on the basis of a statement of income. You do not need to submit a proof of earnings and employment.

The loan for the statement offers:

  • Alior Bank – loan up to PLN 3,700
  • mBank – credit up to PLN 3,500
  • SMART Bank – a loan up to PLN 3,900

In addition, online loans without certificates will be provided in the presented loan companies:

– Vivus.pl: loan without certificates up to PLN 4,000

– Ferratum Bank: loan without payment certificates

– Kredito24: PLN 3,000 loan for a statement

Do Banks offer online credit without BIK and KRD?

No. All Banks / Credit Unions are required to verify the Customer in the Credit Information Bureau database. Therefore, people with negative BIK (ie delays in repayment of other liabilities over 60 days) may have problems with obtaining such a loan from the Bank.

A list of loan companies that do not verify at BIK can be found here.

Where can we get a loan online in 15 minutes?

You can get a loan without leaving your home, even within a dozen or so minutes. This is possible if you meet two conditions: we have a personal account at the Bank that provides such a loan and it is influenced by remuneration or other income.

Currently, online loan available in 15 minutes offers mBank. The application can be submitted here.

On the other hand, iGotówka (the product of BGŻ BNP Paribas Bank) is advertised as a loan in 20 minutes. As in the case of mBank, the condition for obtaining a loan in such a short time is to have a bank account in BGŻ BNP Paribas, which is affected by remuneration or other income. The application can be submitted here.

Online loan calculator

For many clients looking for a loan via the Internet, it is important to know the loan installment and its interest before signing the loan agreement.

A so-called tool is a useful tool. online loan calculator. Thanks to it, we can immediately determine in what amount we will pay monthly installments and at what percentage.

Currently, such a calculator is already available from four banks: mBank, BGŻ BNP Paribas Bank (via the iGotówka website), iKredyt, Sygma Bank and recently T-Mobile Usługi Bankowe . How does it look in practice:

Online loan calculator at mBank

1. We enter the mBank website.

2. We set the parameters of the loan: the amount and the number of installments. We also indicate insurance / no insurance.

3. Click on the “Calculate” button.

4. The mBank calculator shows us the monthly installment and loan repayment schedule.

Online loan calculator iGotówka (BGŻ BNP Paribas Bank)

1. Go to the iGotówka website.

2. We choose the purpose of the loan, its amount and the number of installments.

3. Click on the “Simulation” button.

4. The bank automatically shows us the amount of the installment and APY (real rate of annual interest rate).

Online loan calculator T-Mobile Usługi Bankowe

1. Go to the T-Mobile Usługi Bankowe website.

2. We indicate the amount of the loan and the repayment period.

3. The calculator automatically calculates the amount of the monthly installment.

Online loan iKredit

1. Go to www.ikredyt.getinbank.pl

2. We choose the amount of the loan and the repayment time

3. Click on the “Convert loan” button.

4. The system automatically shows us the installment amount and APY.

Sygma Bank online loan

1. Go to https://wnioski.sygmabank.pl/formularz.php

2. We choose the amount of the loan and the number of installments.

3. The calculator automatically calculates the amount of the monthly installment.

Loan calculator in Bank Millennium

1. The calculator is available on the bank’s website.

2. We indicate the amount of the loan and the number of installments.

3. We indicate whether the loan is to be insured and whether income transfers to an account in Bank Millennium.

4. The calculator shows us the amount of the installment and APY (real rate of annual interest rate).

MiniRatka loan calculator at PKO BP

1. The calculator is available on the PKO BP website.

2. We enter the amount of the loan, the repayment period and its purpose.

3. The calculator calculates the amount of the installment and the total amount to be repaid.

Loan calculator at Citi Handlowy Bank

1. The calculator is available on the bank’s website.

2. Enter the amount of the loan and the number of installments.

3. The calculator automatically shows us the amount of the installment.

In addition, we can determine in a few seconds whether we meet the criteria to receive a loan. It is enough to indicate the documented net income, the amount of your obligations and the number of people in the household.

ONLINE CREDIT – REVIEWS

You can put your opinions on credits available via the Internet in the comments at the bottom of the ranking. Below are the answers to emerging questions and doubts.

Are loans available via the internet secure?

Yes, all presented products are offered in the largest banks that have adequate security. All banking forms are encrypted and guarantee the highest security. Before filling out your personal data, check whether we are actually on the bank’s website.

Is there an online loan for free?

The answer is: unfortunately not. At present, no Polish Bank provides free credits and loans.

Co-financing companies. PLN 11 900 – that is the total amount of free loans operating in Poland. A full list can be found here. All products are available online, without leaving your home.

Credit over the Internet with a debt collector?

 

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