Updated October 9, 2026 · BorrowCue Editorial Team

Top lines of credit compared in Poland

22 lenders available in Poland, ranked for Poland.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. How we rank

Top lines of credit compared in Poland
#	Lender	Score	Features	Key facts	Actions
1	Netcredit PLTop pick Netcredit PL offers Polish customers a credit limit of up to 20 000 zl, with a mobile app and no fees for new customers during the first 30 days.	Not rated			Review Compare Visit
2	Spark	9.3/10	Same day funding	Arrangement fee: 0 Credit check: None Funding time: Instant, on-chain in the borrow transaction	Review Compare See alternatives
3	Bluevine	9.2/10	Same day funding	Loan amount: up to $250,000 Arrangement fee: 0 USD (no maintenance fees) Credit check: Soft prequal	Review Compare See alternatives
4	OnDeck	9.0/10	Fixed rate Same day funding	APR: 53.2% to 59.8% Loan amount: $5,000 to $400,000 Term: 18 to 24 months	Review Compare See alternatives
5	Kasa Stefczyka	9.0/10	Same day funding	APR: 17.98% Loan amount: PLN 1,000 to PLN 220,000 Term: 4 to 120 months	Review Compare See alternatives
6	AvaFin Special offer for new clients: simple loan with no hidden fees (1-1-1), newly lower price: 1 CZK per day for each 1,000 CZK drawn	8.9/10	Fixed rate Same day funding	APR: 7.85% to 52.94% Loan amount: €100 to €20,000 Term: 3 to 84 months	Review Compare See alternatives
7	Chartwell	8.9/10	Same day funding	Loan amount: £5,000 to £500,000 Term: 12 to 72 months Arrangement fee: Broker arrangement fee may apply	Review Compare See alternatives
8	Flexible Finance	8.9/10		Arrangement fee: Up to 3% split fee Credit check: Soft prequal Funding time: Rent paid in full on time	Review Compare See alternatives
9	Qonto ES Welcome bonus (Bono de Bienvenida): 300 EUR	8.6/10	Fixed rate	APR: 19.5% Loan amount: €750 to €1,000,000 Term: 1 to 12 months	Review Compare See alternatives
10	Aave	Not rated		Credit check: None Rate type: Variable Lender type: Direct lender	Review Compare See alternatives