Mortgage and business loans — comparison 2026

Here you'll find cash and consumer loans — for any purpose, unsecured. Don't look at the interest rate alone, but at the APR and total payable: they show the real cost with fees and interest. Compare offers on the same amount and term. Note: most of the cheapest offers are for new clients. Business and mortgage loans are covered in separate tabs.

What to look for

APR — the key indicator of the real cost of credit.
Interest — fixed or variable; the risk of changing installments.
Fee and extra costs — insurance, valuation, charges.
Total payable — the sum of all costs over time.
For businesses: process, collateral, required documents.

Representative example (Erste Bank Polska, as of 09.07.2026): APR 7.97%; total loan amount PLN 21,800; fixed interest rate 7.69% p.a.; commission PLN 0; term 45 months; 44 instalments of PLN 559.73 and a final instalment of PLN 536.68; total cost of credit PLN 3,364.80; total amount payable PLN 25,164.80. The example applies to the offer for new clients. The binding representative example and full terms are available on the bank's website.

FAQ

How does interest differ from APR?

Interest is only part of the cost. The APR includes interest plus fees and other charges, so it better reflects the real cost and lets you compare offers.

Does this service broker loans?

No. It publishes informational content, comparisons and links to offers. It does not conclude agreements, collect documents or provide credit advice or intermediation.

Credit advertising. Where cost data is shown, we present it via a representative example with the APR. This is not credit advice or intermediation.

This material is informational and promotional. It is not an offer under Polish law, nor financial advice or intermediation. All links redirect to the provider/affiliate network.

Mortgage and business loans — how to compare 2026

What to look for

FAQ