Payday and non-bank loans — comparison 2026

A payday loan can be fast but expensive — the only honest measure of its cost is the APR and total payable, not the amount you receive. Before borrowing, assess your real ability to repay on time, check rollover and late fees, and consider cheaper alternatives. A “free” first loan usually applies only to on-time repayment. Note: the “first loan free” promo is only for new clients who repay on time — subsequent loans can be very expensive (APR up to several hundred percent). Never borrow to repay another debt.

What to look for

APR and total payable — the real cost of the loan.
Rollover and late fees — they can rise sharply.
“Free first loan” terms — usually only with on-time repayment.
Your ability to repay — don't borrow to repay other debts.
Cheaper alternatives — an overdraft, a card, a bank loan.

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

Is a “free first loan” really free?

Usually yes, but only with on-time repayment. After the due date, interest and fees apply and the cost can rise quickly. Always check the APR and total payable.

Does the service grant loans?

No. It is informational and promotional — it publishes educational content and links to lenders' offers. You make the decision and sign the agreement directly with the lender.

Warning: borrowing costs money. Consumer-credit advertising — costs shown via a representative example with the APR. Short-term loans can be expensive; consider alternatives and your ability to repay.

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.