Kasa Stefczyka review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 29, 2026

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Our verdict

Kasa Stefczyka suits borrowers in Poland who want a direct lender for a purchase home loan alongside cash loan options. Its mortgage pricing shows initial rate of 5.75% with APRC of 5.91%, while support covers phone and help centre for everyday questions.

Key facts

Best for
Borrowers in Poland seeking a purchase mortgage from a direct lender with phone help
Initial rate
5.75% (Source, checked September 29, 2026)
APRC
5.91% (Source, checked September 29, 2026)
Maximum loan to value
90% (Source, checked September 29, 2026)
Product fee
PLN 0 (Source, checked September 29, 2026)
Purpose
Purchase (Source, checked September 29, 2026)
Lender type
Direct lender (Source, checked September 29, 2026)
Legal entity
Spoldzielcza Kasa Oszczednosciowo-Kredytowa im. Franciszka Stefczyka (Source, checked September 28, 2026)
Headquarters
Poland (Source, checked September 28, 2026)
Founded
1993 (Source, checked September 29, 2026)
Support channels
Phone, Help-centre (Source, checked September 29, 2026)
Official website
kasastefczyka.pl

Loans

APR
17.98% (Source, checked September 28, 2026)
Loan amount
PLN 1,000 to PLN 220,000 (Source, checked September 28, 2026)
Term
4 to 120 months (Source, checked September 28, 2026)
Arrangement fee
0 PLN (Source, checked September 28, 2026)
Credit check
Hard (Source, checked September 28, 2026)
Funding time
15 minutes (Source, checked September 28, 2026)
Representative example
Pozyczka Gotowkowa: 30630.84 PLN over 82 months, RRSO 17.98%, total 51487.93 PLN (Source, checked September 28, 2026)
Rate type
Variable (Source, checked September 28, 2026)
Lender type
Direct lender (Source, checked September 29, 2026)
Free early repayment
Yes (Source, checked September 28, 2026)
Eligibility
18+ years, valid ID and bank account (Source, checked September 28, 2026)
Origination fee (%)
0% (Source, checked September 28, 2026)
Loan types
Personal, Debt-consolidation, Credit-line (Source, checked September 28, 2026)
Legal entity
Spoldzielcza Kasa Oszczednosciowo-Kredytowa im. Franciszka Stefczyka (Source, checked September 28, 2026)
Headquarters
Poland (Source, checked September 28, 2026)
Founded
1993 (Source, checked September 29, 2026)
Support channels
Phone, Help-centre (Source, checked September 29, 2026)
Features
Same-day funding, Credit line

Apps and profiles

Get the app
Google Play
Elsewhere
Wikidata

Pros and cons

Pros

  • Mortgage APRC of 5.91% with initial rate of 5.75% for purchase aims under purchase.
  • Cash borrowing offers amounts of PLN 1,000 to PLN 220,000 with funding time of 15 minutes and same day funding and credit line.
  • Origination fee of 0 PLN keeps upfront cash loan charges clear.

Cons

  • Rate structure is variable under variable, so monthly payments may move during the term.
  • Applications involve a hard check shown in hard, which may leave a mark on credit files.
Kasa Stefczyka

Ready to try Kasa Stefczyka?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Borrowers preferring Kasa Stefczyka over Sofkredit for direct lending under direct lender with phone help.
  • Borrowers preferring Kasa Stefczyka over Prestalo for purchase focus shown by purchase plus varied cash loans.

Who should look elsewhere

  • Borrowers seeking softer checks than hard may favour Prestalo after comparing entry terms.
  • Borrowers wanting broader mortgage purposes than purchase may favour Creditilia for wider choice.

Where it sits among rivals

Among peers, Kasa Stefczyka ranks at 40 of 68 on APRC and at 75 of 140 on initial rate. For maximum loan to value it stands at 33 of 129. This mix points to middle ground on overall cost with stronger room on borrowing share.

How Kasa Stefczyka compares

Where Kasa Stefczyka is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego, checked September 29, 2026

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What does borrowing cost with Kasa Stefczyka?+

Its mortgage shows initial rate of 5.75% and APRC of 5.91%. For cash borrowing, APR is 17.98% with product fee of PLN 0. Always read the representative example and check how fees and rate changes shape total repayment.

Are there arrangement or product fees?+

Cash loans carry origination fee of 0 PLN and origination share of 0%. The mortgage product fee is PLN 0. You should confirm whether any other service charges apply before you agree to terms.

Who may apply?+

Eligibility asks for 18+ years, valid ID and bank account. In plain terms, this means adults with valid ID and a bank account. You should have documents ready and check residence and income rules with the lender directly.

Will applying affect credit records?+

Applications use a hard check shown by hard. This type of check may affect credit records. You should apply only after comparing cost and being comfortable with the repayment plan.

How much may be borrowed and how fast is funding?+

Cash loans offer amounts of PLN 1,000 to PLN 220,000 over terms of 4 to 120. Funding time is 15 minutes after approval. Timelines may vary with checks and bank processing, so allow room for review.

How may you get help?+

Support runs on phone and help centre. Phone suits direct questions, while the help centre suits general guidance outside calls. Check opening hours and have loan details ready when you contact them.

Which loan types are offered?+

Loan choice covers personal, debt consolidation and credit line, which suits varied needs from everyday borrowing to combining debts. Mortgage purpose is purchase. You should match the product to your goal and repayment capacity.

Sources

Compiled from 6 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Fixed period.

Kasa Stefczyka

Kasa Stefczyka

Borrowers in Poland seeking a purchase mortgage from a direct lender with phone help

9.0/10See alternatives

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