Rankomat.pl review

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

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Our verdict

Rankomat.pl suits Polish borrowers who want a small commission and money the same day, and it lists rates of 8.07% to 15.49% against personal loan offers elsewhere. It is a marketplace, so the lender and terms come from whoever answers your application.

Key facts

Best for
Polish borrowers comparing personal loan rates and fast payouts from several lenders in one place.
APR
8.07% to 15.49% (Source, checked September 26, 2026)
Loan amount
up to PLN 255,550 (Source, checked September 26, 2026)
Term
up to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 % commission (Bank Pekao Pożyczka Ekspresowa, RRSO 8,07 %) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day, often within minutes or hours of signing the agreement (Source, checked September 26, 2026)
Representative example
RRSO 8,51 %, 29 000 zł over 49 months in 49 instalments of 698 zł, total amount to repay 34 221 zł (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
At least 18 years old, full legal capacity and a valid ID (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation, Car, Secured, Credit-line (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Ubezpieczenia Rankomat Sp. z o.o. (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
rankomat.pl

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Arrangement commission of 0% on the offers shown
  • APR band of 8.07% to 15.49% sits under the site median of 12%
  • Support runs through phone, chat and email

Cons

  • The rate is variable, so the figure on an offer can move
  • Applications use a hard credit check, the strictest kind
  • As a marketplace, the lender and the final terms are not chosen by Rankomat.pl
Rankomat.pl

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Adults in Poland with full legal capacity and valid ID who need cash quickly
  • Borrowers who want to see several lenders before applying rather than one bank's offer

Who should look elsewhere

  • Borrowers wanting a fixed rate, since the rate is variable
  • People who cannot handle a hard credit check
  • Anyone wanting a deposit account with savings, cards or investment features

The company behind it

Rankomat.pl is a marketplace run by Ubezpieczenia Rankomat Sp. z o.o., based in Poland and operating since 2008. The site is registered with the Komisja Nadzoru Finansowego, so the intermediary itself sits inside the Polish supervision system while the lender behind each offer is a separate bank. Support runs through phone, chat and email, which means a phone line, live chat, email and a help centre.

How Rankomat.pl compares

Where Rankomat.pl is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (KNF) (11229663/A), checked September 26, 2026

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

Frequently asked questions

What does a loan from Rankomat.pl cost?+

The offers shown carry an APR band of 8.07% to 15.49% and an arrangement commission of 0%. The representative example on the site shows a borrowing repaid over a long instalment schedule, which sets the shape of the total you pay back.

Is there an arrangement fee to pay?+

The commission listed for the featured offer is 0%, so no arrangement fee is taken on that loan. Other lenders reached through the marketplace may set their own charges, so the fee column is worth reading for each offer.

Who regulates Rankomat.pl?+

Rankomat.pl is registered with the Komisja Nadzoru Finansowego in Poland, and the site is headed by Ubezpieczenia Rankomat Sp. z o.o. in Poland. Because it is a marketplace, the money is lent by a named bank rather than by Rankomat.pl itself.

Does applying affect my credit file?+

Applications use a hard credit check, which is the most thorough kind and leaves a record other lenders can see. That is the trade for the low commission and the 8.07% to 15.49% band, since a soft check would leave less trace.

What rate type do I get?+

The rate is variable, which means the figure on an offer can change over the life of the loan. Borrowers who want a figure that stays put should compare a fixed rate product elsewhere before applying.

Who is this suited to?+

Applicants must be adults in Poland with full legal capacity and a valid ID. The fastest fit is a Polish borrower with a clear cost in mind who wants to see several lenders, has a strong credit profile, and needs cash the same day.

Sources

  • rankomat.pl checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Support channels

    “Rankomat.pl to bezpłatna porównywarka ubezpieczeń OC, innych ubezpieczeń i produktów finansowych, działająca od 2008 roku”

  • rankomat.pl/finanse/kredyty-gotowkowe checked September 26, 2026

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

    “kredyt konsumencki może wynieść maksymalnie 255 550 zł”

  • rpu.knf.gov.pl checked September 26, 2026

    Backs: Licences

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

Rankomat.pl

Rankomat.pl

Polish borrowers comparing personal loan rates and fast payouts from several lenders in one place.

9.1/10See alternatives

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