KredytOK review

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

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Our verdict

KredytOK suits Polish borrowers with a poor credit history who need money quickly and can accept a high price for it. Its APR of 47.17% sits far above the 12% site median, so the cost of borrowing here is steep, while funding lands within minutes of signing.

Key facts

Best for
Polish adults with a poor credit history who need cash the same day and can absorb a high rate.
APR
47.17% (Source, checked September 26, 2026)
Loan amount
PLN 1,000 to PLN 20,000 (Source, checked September 26, 2026)
Term
4 to 48 months (Source, checked September 26, 2026)
Arrangement fee
1483.74 PLN (instalment loan example: 5000 PLN, 24 instalments) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within minutes of signing the contract, up to 15 minutes, same day in many cases (Source, checked September 26, 2026)
Representative example
Instalment loan: 5000 PLN, 24 instalments, RRSO 47.17%, total 7264.06 PLN (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
21+, Polish citizen, permanent residence in Poland, steady income, valid ID card, bank account (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation, Business (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Capital Service S.A. (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
kredytok.pl

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • A hard credit check is used, so one formal application produces a firm decision
  • Registered with the Komisja Nadzoru Finansowego as a direct lender, not a broker
  • Free early repayment, so clearing the balance ahead of the schedule costs nothing extra

Cons

  • The APR of 47.17% sits far above the 12% median across the site
  • The instalment example adds an arrangement fee on top of the 47.17% rate
  • A variable rate, so the cost of the loan can move after you sign
KredytOK

Ready to try KredytOK?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Polish citizens with permanent residence in Poland, a steady income, a valid ID card and a bank account
  • Adults with a poor credit history who cannot pass a stronger check with a mainstream lender
  • Borrowers who need the money the same day and can wait for a hard credit check to run

Who should look elsewhere

  • Anyone who wants a low rate, since 47.17% is far above the 12% site median
  • Borrowers who need a fixed cost for the whole term, given the variable rate
  • Monzo Flex, whose APR of 10% to 23% sits well below what KredytOK charges

Where it sits among rivals

On loan amount, KredytOK ranks 482 out of 685 brands tracked, with borrowing of PLN 1,000 to PLN 20,000. On APR it ranks 307 out of 350, past the 12% median and the 24.92% upper quartile. Lenders priced this way are aimed at borrowers with a thin credit file, and the ranking reflects that.

How KredytOK compares

Where KredytOK is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (KNF) - Register of Credit Institutions (RIP 000123), checked September 26, 2026
Licence in Poland
Komisja Nadzoru Finansowego (KNF) - Register of Payment Services, small payment institution (MIP 140/2022), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a KredytOK instalment loan?+

The stated APR is 47.17% on the instalment loan product, and the rate is variable rather than fixed. Borrowing runs PLN 1,000 to PLN 20,000 over 4 to 48, so the headline figure can move after you sign. Run the numbers on the total you would repay, not on the monthly payment alone.

What does the instalment loan cost in total?+

The representative example shows an instalment loan repaid over a set number of instalments, for a total well above the amount borrowed. The same example also carries an arrangement fee, so the fee is part of what you pay across the term, not an extra one-off.

What credit check will I go through?+

The credit check is hard, which means a full file search and a decision recorded on your record. That suits applicants with a poor credit history, since the lender expects a thin file. If a soft prequalification check matters more to you, compare the lenders that offer one.

Is KredytOK regulated and who is the lender?+

The lender is Capital Service S.A., a direct lender based in Poland, and it appears in the Komisja Nadzoru Finansowego register of credit institutions and in its register of payment services as a small payment institution. Being in those registers means the firm is supervised rather than an informal intermediary.

Who can apply?+

Applicants must be adults of a minimum age, Polish citizens with permanent residence in Poland, with a steady income, a valid ID card and a bank account. It is a single market offer, so applicants living outside Poland cannot use it. Same-day funding works only for applicants who can complete the contract quickly.

Can I repay the loan early?+

Yes, early repayment is free, so clearing the balance ahead of schedule carries no extra charge. That is worth weighing against the variable rate, since the total cost depends on how long the money stays out. Repaying early cuts the number of instalments you pay.

What is the lending range and term?+

Borrowing runs PLN 1,000 to PLN 20,000 and the term runs 4 to 48, both wider ranges than a typical instalment loan. The range suits a home improvement project as much as a short-term need. Longer terms spread the cost further but leave the money outstanding for longer.

How can I reach KredytOK?+

Support runs on email, phone and help centre, so you can call, email or use the help centre. No branch network is listed, which suits applicants who apply online. Phone and email cover the questions that come up around payments and contracts.

Sources

  • kredytok.pl checked September 26, 2026

    Backs: Founded, Legal entity, Loan types

  • kredytok.pl/chwilowka-online checked September 26, 2026

    Backs: Eligibility, Features

    “Mieć ukończone co najmniej 21 lat. Posiadać polskie obywatelstwo i stałe miejsce zamieszkania w Polsce ... Posiadać stałe źródło dochodu”

  • kredytok.pl/kontakt checked September 26, 2026

    Backs: Support channels

    “kontakt@kredytok.pl ... 601 500 500 ... Pytania i odpowiedzi”

  • kredytok.pl/o-nas checked September 26, 2026

    Backs: Headquarters, Lender type, Licences

    “CAPITAL SERVICE Spółka Akcyjna z siedzibą w Ostrołęce przy ul. Janusza Korczaka 73, 07-409 Ostrołęka”

  • kredytok.pl/pozyczka-ratalna-online checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Arrangement fee, Rate type, Representative example, Term, Use cases

    “Możesz wcześniej spłacić pożyczkę bez dodatkowych opłat”

  • kredytok.pl/pytania-i-odpowiedzi checked September 26, 2026

    Backs: Credit check, Credit needed, Funding time

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

KredytOK

KredytOK

Polish adults with a poor credit history who need cash the same day and can absorb a high rate.

8.9/10Visit

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