Credit Agricole Polska review

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

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Our verdict

Credit Agricole Polska suits Polish borrowers with steady income who want a fixed-rate cash loan from the bank itself, with the money landing in the account once the agreement is signed. The cash loan runs at an APR of 7.98% to 12.91% for PLN 1,000 to PLN 200,000 over terms of 3 to 120.

Key facts

Best for
A fixed-rate cash loan from a Polish bank with fees of 0 PLN.
APR
7.98% to 12.91% (Source, checked September 26, 2026)
Loan amount
PLN 1,000 to PLN 200,000 (Source, checked September 26, 2026)
Term
3 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 PLN (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Loan money lands straight in your account after applying online and signing the agreement in internet banking; credit decision in as little as 10 minutes (Source, checked September 26, 2026)
Representative example
Standard cash loan: APR 12.91%, loan amount 26,100 PLN, total payable 36,606.73 PLN, fixed interest 12.2%, 69 equal monthly instalments of 522.95 PLN plus a final balancing instalment of 523.18 PLN, example prepared 05.09.2025 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Resident of Poland with centre of personal or business interests in Poland, taxed in Poland, PESEL number, 21 or older with full legal capacity, stable income from accepted sources, positive creditworthiness (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Secured, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Credit Agricole Bank Polska Spolka Akcyjna (KRS 0000039887) (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
credit-agricole.pl

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedIncasfera.pl

Pros and cons

Pros

  • Instalments stay level for the whole term, fixed and fixed rate.
  • One lender covers personal, debt consolidation, credit line, secured and business borrowing, personal, debt consolidation and credit line.
  • It provides the money itself as a Polish bank, direct lender, with the entity named as Credit Agricole Bank Polska Spolka Akcyjna (KRS 0000039887).
  • Home improvement is a listed purpose, home improvement, so renovation costs can run on the same terms.

Cons

  • Every application puts a hard credit check, hard, on file.
  • Pricing is fixed, so anyone wanting a variable deal has nothing to switch to.
  • Support runs on phone, chat and help centre only, with no email channel among them.
Credit Agricole Polska

Ready to try Credit Agricole Polska?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Polish residents taxed in Poland with stable income from accepted sources and positive creditworthiness.
  • Borrowers who want instalments fixed for the full term, including for a renovation, home improvement.
  • Applicants happy to sign in internet banking, since the money lands in the account straight after the agreement.

Who should look elsewhere

  • Borrowers with a thin credit history, since the hard credit check, hard, runs on every application.
  • Anyone shopping for a variable deal, as the pricing is fixed throughout.
  • Readers who want a different market: Monzo Flex runs at 10% to 23% and Cashspace at PHP 12 to PHP 36, both worth pricing alongside a Polish bank loan.

How Credit Agricole Polska compares

Where Credit Agricole Polska is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (Financial Supervision Commission) (66), checked September 26, 2026

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

Frequently asked questions

What does a Credit Agricole Polska cash loan cost?+

The standard cash loan carries an APR of 7.98% to 12.91%. For personal loans across the site the median is 12.25%, so the upper end of that range is worth checking against cheaper listings before applying.

Is there an arrangement fee on this loan?+

The arrangement fee is 0 PLN and the percentage fee is 0%, so the rate is the whole cost. The representative example repays in equal monthly instalments with a final balancing instalment, and no other charge appears in it.

How much can I borrow, and for how long?+

The cash loan covers PLN 1,000 to PLN 200,000 with terms of 3 to 120. The same lender also offers personal, debt consolidation and credit line, so personal, debt consolidation, credit line, secured and business borrowing all sit with the bank.

Who can apply, and what credit check runs?+

Applicants must be residents of Poland with their centre of personal or business interests there, taxed in Poland, hold a PESEL number, be an adult with full legal capacity and show stable income from accepted sources. Positive creditworthiness is needed, and the check is hard, hard.

How quickly does the money arrive?+

Loan money lands in your account after applying online and signing the agreement in internet banking, and the credit decision can arrive within minutes. The listed features include same day funding, and it is the standard cash loan that carries that speed.

Which body regulates the lender?+

The lending entity is Credit Agricole Bank Polska Spolka Akcyjna, Credit Agricole Bank Polska Spolka Akcyjna (KRS 0000039887), supervised in Poland by the Komisja Nadzoru Finansowego, 66. It lends the money itself, direct lender, so the contract is with the bank rather than a middleman.

Is the rate fixed or variable?+

Loans are fixed rate and priced as fixed, so the rate and the instalment hold for the whole term. Fixed-rate personal loans account for 100% of the listings, which makes a fixed deal the normal choice rather than a premium one.

How do I reach support?+

Support runs on phone, chat and help centre, covering a phone line, live chat and a help centre, with no email channel among them. Worth pricing the offer first, since the figure to quote is 7.98% to 12.91% on PLN 1,000 to PLN 200,000.

Sources

  • credit-agricole.pl checked September 26, 2026

    Backs: Support channels

    “CA24 Infolinia, telephone +48 71 799 71 66, chatbot Asia available 24/7, FAQ centre Pytania i odpowiedzi and contact form”

  • credit-agricole.pl/klienci-indywidualni/kredyty/kredyt-go... checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Standard cash loan: cash loan of up to 200,000 PLN, calculator from 1,000 PLN to 200,000 PLN”

  • credit-agricole.pl/regulamin checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “Credit Agricole Bank Polska Spolka Akcyjna z siedziba we Wroclawiu, ul. Legnicka 48 bud. C-D, 54-202 Wroclaw”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Credit Agricole Polska

Credit Agricole Polska

A fixed-rate cash loan from a Polish bank with fees of 0 PLN.

9.2/10See alternatives

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