What’s new in 2025?
- E-application process shortened to 7 minutes thanks to open banking integration – the bank retrieves account history without PDFs.
- The AI engine pre-assesses risk within tens of seconds, and the final decision arrives via SMS.
- Today’s best offers have an APR of 10.2–11.3%, with amounts up to 250,000 PLN.
How does the online application work step-by-step?
- You fill out a simple form with your PESEL and income.
- You log in to your bank via open banking – financial data is retrieved automatically.
- You receive a decision and an e-agreement; SMS or qualified signature.
- Funds are usually transferred within 24 hours (sometimes in 15 min).
Tips to increase your chances of approval
- Pay off or reduce limits on your cards – this will increase your creditworthiness.
- Maintain consistent income – AI will detect irregularities.
- Avoid multiple credit inquiries in a short period – they lower your score.
Need quick cash? We’ll compare the cheapest online loans for you and handle the paperwork without a branch visit.
