Loans for foreigners in Poland

Loans for foreigners in Poland. Who can obtain a loan as a foreigner in Poland?

To be eligible for a loan as a foreigner in Poland, you must meet the following criteria:

  1. Employment in Poland. You must be employed in Poland for a minimum of three months. This employment should be under a formal employment contract (Umowa o pracę) or a mandate contract (Umowa zlecenie).
  2. Income requirements. Your income should be regularly deposited into a bank account. This provides proof of stable financial resources to the lender.
  3. Permanent residency. You must possess a permanent residency card in Poland. This document is essential to demonstrate your long-term commitment and legal status in the country.

Please note that these requirements are in place to ensure that loans are accessible to foreigners while also maintaining financial security and responsible lending practices. If you meet these criteria, you are welcome to apply for a loan through our platform.

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    Advantages of a loan for foreigners in Poland with FINREAL:

    • fast process - obtaining a loan within 1 day
    • long repayment period with low installment - up to 120 months
    • low interest rate - from 7.99% per year
    • minimum formalities
    • up to 120 thousand PLN without insurance and guarantors
    loans for foreigners in Poland

    Check the opinions of our existing customers.

    Are you a foreigner in Poland and the bank refuses you a loan? Don’t know what to do next? Contact us.

    We will thoroughly analyze your case and together we will find a real solution to your problem.

    Why Finreal?

    1. Swift Financing Solutions. Receive the financial assistance you need often within 24 hours. Whether you’re facing unexpected expenses or planning significant purchases, our cash loans ensure immediate access to funds.
    2. Expert Guidance. Our dedicated team, with 7 years of experience, offers personalized advice tailored to your financial situation.
    3. Flexibility. No collateral requirements, and enjoy the liberty of flexible repayment choices and versatile usage options.
    4. Credit Challenges? No Problem! Our success rate of 91% speaks for our capability to assist even those with credit hitches.
    5. Compare and Choose. Effortlessly compare multiple offers, ensuring you receive the best terms suited to your needs.

    Why is it worth using a cash loan?

    1. Getting money fast: A cash loan is one of the fastest ways to get cash in a short time. Through Finreal, you can get it even within a few hours.

    2. No need for collateral: A cash loan is a type of loan that does not require collateral in the form of real estate or insurance or guarantors.

    3. High flexibility: Cash loans offer multiple repayment options and the borrower can choose the repayment plan that best suits his needs and financial situation.

    4. Direct expenses: A cash loan can be used for any purpose, so it can be used for urgent expenses such as car repair, renovation or all other expenses.

    5. Easier availability: Cash loans for foreigners in Poland are available from several banks and financial institutions, which means you can compare offers and choose the best option. At Finreal, we do all these activities for you.
    6. Negotiable: Borrowers can often negotiate loan terms with a bank or other financial institution, which can lead to better repayment terms. By applying to us, you provide yourself with the opportunity to negotiate at the decision-making level and obtain the best possible credit terms.
    7. Building a positive credit history in Poland: Repaying your cash loan on time can help build a positive credit history, which in turn can lead to better credit terms in the future.


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        I agree to receive from Finreal sp z o.o. marketing communication regarding products and services by e-mail, telephone or SMS

        Why is it worth using Finreal services?

        kredyt bez zdolności kredytowej

        Check in which situations we can help you:

        • a large number of credit inquiries in BIK
        • custom sources of income
        • low creditworthiness / no creditworthiness
        • a large number of non-bank liabilities / payday loans
        • entries in BIG / register of debtors
        • you are looking for the best loan offer on the market

        We operate where others spread their hands.

        Our services are used by companies and credit intermediaries that are looking for solutions for their clients and are unable to provide them due to market limitations and lack of appropriate resources.

        Contact with Filip and ask for free analysis.

        +48 516 850 709

        Fili Borowski - ccustomer service - loans for foreigners

        Our commitment.

        At Finreal, we go the extra mile. We don’t just facilitate loans; we bridge financial gaps, especially when conventional options fall short. Our independent credit intermediaries represent your interests, streamline the credit process, and leverage expertise to ensure optimal results.

        Ready to embark on a hassle-free loan journey tailored for foreigners in Poland? Reach out today and experience the Finreal difference.

        If you’re a foreigner looking for a loan, you might have some questions. We’ve got you covered with answers to some of the most frequently asked questions about loans for foreigners. Get all the information you need to make an informed decision about your finances.

        Who is eligible for a loan as a foreigner in Poland?

        Foreigners working in Poland for at least three months under a formal employment contract or a mandate contract are eligible. A permanent residency card and income credited to a bank account are also required.

        Do I need a permanent residency card to apply for a loan?

        Yes, possessing a permanent residency card in Poland is a prerequisite for applying for a loan as a foreigner.

        How does my employment type affect my loan eligibility?

        Both formal employment contracts and mandate contracts are acceptable, but they should be for a minimum duration of three months to establish stability of income.

        Can I apply for a loan if my income is not in Polish złoty (PLN)?

        Generally, it’s preferable for your income to be in PLN, as the loan will also be in this currency. However, specific conditions may vary, and it’s advisable to consult with the lender.

        What documents are required to apply for a loan?

        Required documents typically include proof of income, a valid residency permit or card, identification documents like a passport, and possibly additional financial documents.

        How long does the loan application process take?

        The duration of the application process can vary. It’s advisable to contact us directly for a more precise timeline based on your specific situation.

        Loans for foreigners in Poland. Representative example

        We do not offer loans or credits with a total repayment period of less than 60 days. We do not grant loans from our own funds. We mediate in obtaining bank loans. The maximum Annual Percentage Rate (APR) is 13.25%.

        • Loan amount: PLN 20,000
        • Monthly installment amount: PLN 449.86
        • Loan period: 60 months
        • Interest rate: 12.49%
        • The total cost of the loan for foreigners: PLN 6,991.42
        • Commission: PLN 0
        • Total amount to be paid: 26,991.42
        • APR: 13.25%
        • Minimum loan period: 6 months
        • Maximum loan period: 144 months

        The calculation was calculated as of February 6, 2023. The annual percentage rate of charge (APR) for a representative example is 13.25%. Total amount of cash loans for foreigners (without credited costs) 20,000, total amount payable 26,991.42. Fixed interest rate 12.49% per annum, total cost of the cash loan PLN 6991.42 (PLN 0 commission, PLN 6991.42 interest) 60 monthly installments PLN 449.86 each. The example is indicative and non-binding. It serves information purposes and does not constitute an offer within the meaning of art. 66 of the Civil Code, or an invitation to conclude a cash loan agreement on the presented terms.