Updated September 28, 2026 · BorrowCue Editorial Team
Top debt consolidation loans compared in Poland
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| # | Lender | Score | Features | APR | Loan amount | Actions |
|---|---|---|---|---|---|---|
| 1 |  SmartneyTop pick 0 zł prowizji (Pożyczka w jednym palcu): 0 PLN commission for granting and servicing the loan | 9.0/10 |
| APR: 17.11% to 36.19% | Loan amount: PLN 1,000 to PLN 150,000 | ReviewCompareVisit |
| 2 |  KredytOK | 8.9/10 |
| APR: 47.17% | Loan amount: PLN 1,000 to PLN 20,000 | ReviewCompareVisit |
| 3 |  OneMain Financial | 9.3/10 |
| APR: 11.99% to 35.99% | Loan amount: $1,500 to $30,000 | ReviewCompareSee alternatives |
| 4 |  Credit Agricole Polska Cash loan for new customers: Kredyt gotowkowy na co tylko chcesz: Commission 0 PLN (0%), APR 7.98%, fixed interest 7.7%, up to 255,550 PLN over up to 120 instalments | 9.2/10 |
| APR: 7.98% to 12.91% | Loan amount: PLN 1,000 to PLN 200,000 | ReviewCompareSee alternatives |
| 5 |  Santander Bank Polska Pierwszy kredyt - first cash loan in the bank: Up to 15,000 zł at RRSO 10.47%, fixed interest 9.99% | 9.2/10 |
| APR: 15.49% | Loan amount: PLN 300,000 | ReviewCompareSee alternatives |
| 6 |  VeloBank VeloDom mortgage RRSO 6.57% with shopping bonus: 5,000 PLN gift card for Media Expert or Agata shops | 9.2/10 |
| APR: 8.1% | Loan amount: PLN 500 to PLN 300,000 | ReviewCompareSee alternatives |
| 7 |  Alior Alior Konto with a bonus of up to 800 PLN: up to 800 PLN plus a payment ring for 0 PLN | 9.1/10 |
| APR: 9.15% | Loan amount: PLN 500 to PLN 250,000 | ReviewCompareSee alternatives |
| 8 |  Credissimo First loan with 0% interest: 0% interest on a first loan of up to EUR 3,000 | 9.1/10 |
| APR: up to 50.75% | Loan amount: €100 to €5,000 | ReviewCompareSee alternatives |
| 9 | LendingPoint | 9.1/10 |
| APR: 7.99% to 35.99% | Loan amount: $1,000 to $36,500 | ReviewCompareSee alternatives |
| 10 |  Rankomat.pl Pożyczka gotówkowa z kodem promocyjnym RDB835 (Raiffeisen Digital Bank): RRSO 8,35 %, commission 0 % | 9.1/10 |
| APR: 8.07% to 15.49% | Loan amount: up to PLN 255,550 | ReviewCompareSee alternatives |
Licensed in Poland
- Smartney
- Komisja Nadzoru Finansowego (KNF), register of credit institutions
- Smartney
- Komisja Nadzoru Finansowego (KNF), register of insurance agents
- KredytOK
- Komisja Nadzoru Finansowego (KNF) - Register of Credit Institutions
- KredytOK
- Komisja Nadzoru Finansowego (KNF) - Register of Payment Services, small payment institution
- Credit Agricole Polska
- Komisja Nadzoru Finansowego (Financial Supervision Commission)
- Santander Bank Polska
- Komisja Nadzoru Finansowego (KNF)
- Rankomat.pl
- Komisja Nadzoru Finansowego (KNF)
- Kasa Stefczyka
- Komisja Nadzoru Finansowego
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- Personal loans in Poland
- Payday and short-term loans in Poland
- Loans for bad credit in Poland
- Lines of credit in Poland
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- Mortgages in Poland
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- Car loans in Poland
- Business loans in Poland
- Private student loans in Poland
- Home equity loans and HELOCs in Poland
- Home improvement loans in Poland
- Cash advance apps in Poland
- Buy now, pay later in Poland
- Equity release in Poland
- Debt relief in Poland