PanKredyt review

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

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

Our verdict

PanKredyt suits Polish borrowers with documented income and a clean credit file who want a personal loan decided and paid out the same working day. It works as a broker rather than a lender, charges the consumer 0 PLN charged to the consumer by the site operator, and lends PLN 500 to PLN 150,000.

Key facts

Best for
A personal loan in Poland paid out the same working day, with no fee from the site operator.
Loan amount
PLN 500 to PLN 150,000 (Source, checked September 26, 2026)
Term
1 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 PLN charged to the consumer by the site operator (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Cash on the bank account within bank business hours after the credit decision; stated as a few tens of minutes (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Age 20-70, permanent residence and documented income in Poland, active Polish bank account and mobile number, no BIK or BIG entries, no repayment arrears (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Loando Direct Sp. z o.o. (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
pankredyt.pl

Apps and profiles

Elsewhere
loando.plofin.pl

Pros and cons

Pros

  • The site operator charges the consumer 0 PLN charged to the consumer by the site operator, so there is no application fee on its own books.
  • Terms of 1 to 120 with amounts of PLN 500 to PLN 150,000 fit a small need as well as a large one.
  • Same-day funding: same day funding, with cash on the account within bank business hours of the credit decision.
  • Support runs on email, phone and help centre, so help is not limited to one channel.

Cons

  • The credit check is hard and the bar is good, so a full file search is part of every application.
  • As a broker, PanKredyt introduces a partner lender, so the rate and the contract belong to a company you do not apply to directly.
  • Eligibility needs an active Polish bank account, a mobile number and a file free of BIK or BIG entries, which shuts out anyone carrying a repayment default.
PanKredyt

Ready to try PanKredyt?

Scored 8.4 / 10 by BorrowCue.

Visit

Who it suits

  • Borrowers resident in Poland with documented income, an active Polish bank account and a mobile number.
  • Applicants whose credit file is free of BIK and BIG entries and whose repayment record is clean.
  • People who need cash on the account within the same working day as the decision.

Who should look elsewhere

  • Borrowers after a larger facility: Monzo Flex offers £10,000 to £35,000, above the PLN 500 to PLN 150,000 here.
  • Applicants outside Poland, where Cashspace ES at €100 to €5,000 and Cashspace at PHP 500 to PHP 25,000 are the listed options.

How your money is protected

PanKredyt is a broker rather than the lender, so the contract you sign is with a partner lender. The operator is based in Poland and appears in the Komisja Nadzoru Finansowego register of credit intermediaries under RPK018024, the register a credit broker must be listed in to trade in Poland. The loan terms sit with the partner lender, so check whose name is on the offer before you apply.

How PanKredyt compares

Where PanKredyt is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (KNF) - Rejestr Pośredników Kredytowych (RPK018024), checked September 26, 2026

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

Frequently asked questions

Does PanKredyt charge an arrangement fee?+

The site operator charges the consumer 0 PLN charged to the consumer by the site operator, so there is no fee on the operator's own books. Because PanKredyt is a broker, the rate and any lender cost come from a partner lender and are set out in the offer you receive after the decision.

How much can I borrow and over what term?+

Amounts run PLN 500 to PLN 150,000 and terms run 1 to 120, and the product on offer is personal. A longer term spreads the repayments over more months, a shorter one raises the monthly figure.

What credit check will I go through?+

The credit check is hard, so a full file search happens rather than a soft pre-qualification. The bar is good, and eligibility also asks for no BIK or BIG entries and no repayment arrears.

How quickly does the money arrive?+

Cash lands on the bank account within bank business hours after the credit decision, and same day funding is part of the offer. The transfer goes to the active account named in the application, so those details need to be correct at the point of decision.

Who can apply?+

Eligibility asks for a minimum age, permanent residence in Poland with documented income there, an active Polish bank account and a mobile number. The file must be free of BIK and BIG entries with no repayment arrears, and the credit bar is good.

Is the site regulated in Poland?+

The terms are drawn by Loando Direct Sp. z o.o., the legal entity operating the site in Poland, and the business is listed in the Komisja Nadzoru Finansowego register of credit intermediaries as RPK018024.

How do I reach someone for help?+

Support runs on email, phone and help centre, so a query can go by phone, by email or through the help centre. The rules and the agreement are those of Loando Direct Sp. z o.o., which is the entity named in the terms.

Sources

  • pankredyt.pl checked September 26, 2026

    Backs: Lender type, Arrangement fee, Licences

  • pankredyt.pl/jak-pozyczyc checked September 26, 2026

    Backs: Credit needed, Eligibility, Features, Funding time

    “Pieniądze w ramach kredytowania możesz otrzymać już w kilkanaście minut”

  • pankredyt.pl/kontakt checked September 26, 2026

    Backs: Support channels

    “Loando Direct Sp. z o.o. ... Telefon: 22 100 84 85”

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

    Backs: Loan types

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

    Backs: Loan amount, Credit check, Term

  • pankredyt.pl/regulamin checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Loando Direct Sp. z o.o. z siedzibą w Warszawie (02-017), przy ul. Aleje Jerozolimskie 123A”

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

Not confirmed yet: APR, Representative example.

PanKredyt

PanKredyt

A personal loan in Poland paid out the same working day, with no fee from the site operator.

8.4/10Visit

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings