Akcepto review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Akcepto is a Polish broker that suits borrowers with a thin credit file who need cash quickly and want no fee for the service. The cost is the catch: APR is 56.12%, paid on a variable rate that can move, with a hard credit search behind the offer.

Key facts

Best for
Polish borrowers with a poor credit file who need money quickly and pay no fee for the service.
APR
56.12% (Source, checked September 26, 2026)
Loan amount
PLN 500 to PLN 150,000 (Source, checked September 26, 2026)
Term
2 to 96 months (Source, checked September 26, 2026)
Arrangement fee
0 zl - no fee for using the service or applying (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within minutes of a positive decision, some lenders pay out 24/7 (Source, checked September 26, 2026)
Representative example
Instalment loan: RRSO 56.12% for 4 500 zl, contract 32 months, 32 monthly instalments of 244.83 zl, total loan cost 3 334.40 zl of which commission 1 647.54 zl and interest 1 686.86 zl, total payable 7 834.40 zl (as of 08.04.2025) (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Adult aged 18+ with full legal capacity; residing and earning income in Poland; Polish ID, PESEL, mobile, e-mail and online banking access (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Finperial Sp. z o.o. (KRS 0001141345, NIP 5273141245) (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
akcepto.pl

Pros and cons

Pros

  • No fee for the service or for applying on the personal and payday loans in personal and payday: 0 zl - no fee for using the service or applying.
  • The stated credit band is poor, so the service is aimed at applicants whose file is not in good shape.
  • Speed is the selling point, and same day funding is the listed feature on a broker that sends one application out to several lenders.
  • Amounts of PLN 500 to PLN 150,000 and terms of 2 to 96 cover a bridging sum as well as a multi-year instalment loan.

Cons

  • APR is 56.12%, against a site median reading 12%, and the representative example repays well over the amount borrowed.
  • The rate is variable and the credit search is hard, so an application that is turned down stays on the file.
  • Support runs on email and help centre only.
Akcepto

Ready to try Akcepto?

Scored 8.3 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Poland with a thin credit file who need cash the same day.
  • People who would rather apply once and let several lenders review the file, since Akcepto is a broker.
  • Applicants with a Polish ID, a PESEL number and online banking access who earn income in Poland.

Who should look elsewhere

  • Anyone after a cheaper rate: Monzo Flex quotes 10% to 23%, below what Akcepto asks for.
  • Borrowers chasing the lowest rate on the table: Cashspace ES lists 0%.
  • Applicants outside Poland, since eligibility is limited to adults residing and earning income there. Cashspace quotes in another currency at rates of PHP 12 to PHP 36.

How Akcepto compares

Where Akcepto is available

Available
Poland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to use Akcepto?+

There is no fee for using the service or applying: 0 zl - no fee for using the service or applying applies on the personal and payday loans in personal and payday. The cost sits in the commission and the interest the lender charges, which is why the quoted APR is 56.12%.

How much can I borrow and over what term?+

Amounts run PLN 500 to PLN 150,000 and terms run 2 to 96, so a small bridging sum and a longer instalment loan both fit the same form. Everything is priced in Polish zloty, so the figures match a Polish income.

Will I get through the credit check?+

The credit search is hard and the stated credit band is poor, so the service is built for applicants whose file is not in good shape. Because the search is hard, it is worth applying once with your details complete rather than repeatedly.

How quickly can the money arrive?+

Speed is the main attraction and same day funding is the listed feature. The exact timing sits with the lender your application reaches, so two people approved on the same afternoon can see money on different days.

Who am I dealing with and who holds my money?+

The contract is with Finperial Sp. z o.o. (KRS 0001141345, NIP 5273141245), a broker based in Poland, which passes applications to lenders rather than lending from its own balance sheet. Read the terms of the offer you receive, since the rate and the commission come from that contract.

Who can apply?+

Applicants must be adults with full legal capacity who reside and earn income in Poland, and they need a Polish ID, a PESEL number, a mobile, an e-mail address and online banking access. Both personal and payday run on that residency and income, with amounts quoted in the same market as PLN 500 to PLN 150,000.

What will I actually repay?+

The instalment example on offer repays well over the amount borrowed once commission and interest are added, and 56.12% is the rate that produces it. Compare the example against your own figures before you accept, because the variable rate can move during the term.

How do I get help?+

Support runs on email and help centre, so questions go by e-mail or through the help centre rather than by phone. For anything that touches a payment, e-mail keeps a record of what was agreed with the lender.

Sources

  • akcepto.pl checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Features, Funding time, Lender type, Loan types, Arrangement fee, Rate type, Representative example, Term

    “Choose amount 10 000 zl - 500 zl 150 000 zl”

  • akcepto.pl/kalkulator checked September 26, 2026

    Backs: Credit check

    “In connection with the loan application I authorise you to apply to Biuro Informacji Kredytowej S.A. requesting disclosure of information”

  • akcepto.pl/kontakt checked September 26, 2026

    Backs: Support channels

    “Write to info@akcepto.pl - we usually reply within 24 hours”

  • akcepto.pl/regulamin checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity

    “Only an adult natural person with full capacity to act in law may use the loan offer search service”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Akcepto

Akcepto

Polish borrowers with a poor credit file who need money quickly and pay no fee for the service.

8.3/10Visit

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