Updated September 28, 2026 · BorrowCue Editorial Team

Top car loans compared in Poland

20 lenders available in Poland, ranked for Poland.

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Top car loans compared in Poland
#	Lender	Score	Features	Key facts	Actions
1	SmartneyTop pick 0 zł prowizji (Pożyczka w jednym palcu): 0 PLN commission for granting and servicing the loan	9.0/10	Same day funding	APR: 17.11% to 36.19% Loan amount: PLN 1,000 to PLN 150,000 Term: 4 to 120 months	Review Compare Visit
2	Pieniadze-pozyczka 0% RRSO on the first loan: RRSO from 0% for the first loan	8.2/10	Same day funding	APR: 47.17% Loan amount: PLN 100 to PLN 100,000 Term: 2 to 144 months	Review Compare Visit
3	OneMain Financial	9.3/10	Fixed rate Same day funding	APR: 11.99% to 35.99% Loan amount: $1,500 to $30,000 Term: 24 to 60 months	Review Compare See alternatives
4	NLB Banka Kosova NLB Depozita me afat: Bonus up to 200 EUR	9.2/10	Fixed rate	APR: 7.47% to 8.01% Loan amount: up to €35,000 Term: 120 months	Review Compare See alternatives
5	VeloBank VeloDom mortgage RRSO 6.57% with shopping bonus: 5,000 PLN gift card for Media Expert or Agata shops	9.2/10	Same day funding	APR: 8.1% Loan amount: PLN 500 to PLN 300,000 Term: up to 120 months	Review Compare See alternatives
6	Credissimo First loan with 0% interest: 0% interest on a first loan of up to EUR 3,000	9.1/10	Fixed rate Same day funding	APR: up to 50.75% Loan amount: €100 to €5,000 Term: 3 to 24 months	Review Compare See alternatives
7	Rankomat.pl Pożyczka gotówkowa z kodem promocyjnym RDB835 (Raiffeisen Digital Bank): RRSO 8,35 %, commission 0 %	9.1/10	Same day funding	APR: 8.07% to 15.49% Loan amount: up to PLN 255,550 Term: up to 120 months	Review Compare See alternatives
8	Fineddy 0% interest (TAE 0%) on a small loan: 0% TAE	9.0/10	Fixed rate Same day funding	APR: 0% to 203.72% Loan amount: €50 to €1,500 Term: 91 to 120 months	Review Compare See alternatives
9	ProCredit Bank Kosovo Hap llogari dhe Fito Menjëherë (open an account and win immediately)	9.0/10	Same day funding	Loan amount: up to €10,000 Credit check: Hard Funding time: Loan in about 3 minutes, fully online, money credited to the account immediately	Review Compare See alternatives
10	Creditio	8.8/10	Same day funding	APR: 3% to 36% Loan amount: €100 to €500,000 Term: 2 to 240 months	Review Compare See alternatives

Licensed in Poland

Smartney: Komisja Nadzoru Finansowego (KNF), register of credit institutions
Smartney: Komisja Nadzoru Finansowego (KNF), register of insurance agents
Rankomat.pl: Komisja Nadzoru Finansowego (KNF)

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Smartney

Top pick for Poland

9.0/10Visit