• Who can apply for a loan?

  The loan is available to both current and new customers of the Bank.

• Amount and repayment period

  You can apply for a maximum amount from PLN 1,000 up to PLN 250,000 spread over a maximum period of 120 months (10 years).

• APR 16.05% for a representative example

  This information does not constitute an offer within the meaning of Article 66 § 1 of the Civil Code. The decision and terms of the loan depend on an individual assessment of creditworthiness. Changes in the loan interest rate affect the cost of servicing the loan. The offer cannot be combined with other preferential cash loan offers. The loan is granted from PLN 1,000 to PLN 250,000 (including costs), however, for amounts above PLN 100,000, the offer excludes farmers and individuals conducting business activities (with the exception of selected professions: court bailiff, prosecutor, judge/attorney/notary/legal advisor, pharmacist/pharmaceutical chemist, medical and veterinary doctor/dentist, nurse/midwife, architect/engineer, certified auditor/tax advisor, investment advisor/insurance broker, stock broker, chief accountant/bookkeeper, IT specialist).

• The loan is granted:

  • for any consumption purpose
  • no commission and no insurance
  • for a period from 3 to 120 months

                    Offer valid until January 31, 2026.

• The Annual Percentage Rate (APR) for the representative example is 16.05%

  Assumptions: loan granted on July 1, 2025 for a period of 56 months, without insurance, total loan amount PLN 27,200.00 (excluding credited loan costs), repaid by the 1st of each month in 55 equal installments of PLN 678.16, last – 56th balancing installment PLN 677.81, variable interest rate 14.99% per annum, total loan cost PLN 10,776.61 (including: interest PLN 10,776.61, commission PLN 0.00), total amount to be paid PLN 37,976.61.

  Details of the offer are available at the Bank's branches, credit intermediaries and on the website www.pocztowy.pl

• Who can apply for a loan?

  The loan is available to both current and new customers of the Bank.

• Amount and repayment period

  You can apply for a maximum amount of PLN 250,000 spread over up to 60 months (5 years).

• APR 12.65% for a representative example

  This information does not constitute an offer within the meaning of Article 66 § 1 of the Civil Code. The decision and terms of the loan depend on an individual assessment of creditworthiness. The offer cannot be combined with other preferential cash loan offers. The loan is granted from PLN 1,000 to PLN 250,000 (including costs), however, for amounts above PLN 100,000, the offer excludes farmers and individuals conducting business activities (with the exception of selected professions: court bailiff, prosecutor, judge / attorney / notary / legal advisor, pharmacist / chemist, medical and veterinary doctor / dentist, nurse / midwife, architect / engineer, certified auditor / tax advisor, investment advisor / insurance broker, stock broker, chief accountant / bookkeeper, IT specialist).

  The loan is granted for any consumer purpose, with a loan period from 3 to 60 months.

• The offer is available to customers who:

  • They will provide an email address
  • They will provide a current mobile phone number
  • They will give their marketing consent
  • They consent to the electronic sending of loan repayment schedules.
    The offer is valid until January 31, 2026.

• The Annual Percentage Rate (APR) for the representative example is 12.65%

  with the assumptions: loan granted on 1 July 2025 for a period of 42 months, without insurance, total loan amount PLN 20,700.00 (excluding credited loan costs), repaid by the 1st day of each month in 41 equal installments of PLN 605.91, the last – 42nd balancing installment of PLN 605.69, fixed interest rate 11.99% per annum, total loan cost PLN 4,748.00 (including: commission PLN 0.00, interest PLN 4,748.00), total amount to be paid PLN 25,448.00.

  Details of the offer are available at the Bank's branches, credit intermediaries and on the website www.pocztowy.pl.

• Who can apply for a loan?

  The loan is available to both current and new customers of the Bank.

• Amount and repayment period

  You can apply for an amount from PLN 20,000 to PLN 250,000, for a maximum of 10 years .

• APR 10.45% for a representative example

  This information does not constitute an offer within the meaning of Article 66 § 1 of the Civil Code. The decision and terms of the loan depend on an individual assessment of creditworthiness. Changes in the loan interest rate affect the cost of servicing the loan. The offer cannot be combined with other preferential cash loan offers. The loan is granted from PLN 20,000 to PLN 250,000 (including costs), however, for amounts above PLN 100,000, the offer excludes farmers and individuals conducting business activities (with the exception of selected professions: court bailiff, prosecutor, judge/attorney/notary/legal advisor, pharmacist/pharmaceutical chemist, medical and veterinary doctor/dentist, nurse/midwife, architect/engineer, certified auditor/tax advisor, investment advisor/insurance broker, stock broker, chief accountant/bookkeeper, IT specialist).

  This loan is intended to repay cash loans held by other banks, with the option to withdraw cash for any purpose. Loan terms range from 3 to 120 months. The loan cannot be used to refinance or consolidate liabilities at Bank Pocztowy SA.

• The offer is available to customers who:

  • They will provide an email address
  • They will give their marketing consent
  • They consent to the electronic sending of loan repayment schedules.
    The offer is valid until January 31, 2026.

• The Annual Percentage Rate (APR) for the representative example is 10.45%

  with the assumptions: loan granted on July 1, 2025 for a period of 85 months, without insurance, total loan amount PLN 49,000.00 (excluding credited loan costs), repaid by the 1st day of each month in 84 equal installments of PLN 806.59, the last – 85th balancing installment of PLN 806.41, variable interest rate 9.99% per annum, total loan cost PLN 19,559.97 (including: commission PLN 0.00, interest PLN 19,559.97), total amount to be paid PLN 68,559.97.

  Details of the offer are available at the Bank's branches, credit intermediaries and on the website www.pocztowy.pl.

• Who can apply for a loan?

  The loan is available to customers of Bank Pocztowy.

• Amount and repayment period

  You can apply for an amount ranging from PLN 500 to PLN 100,000 .
  The loan is spread over 12 months .

• APR 16.73% for a representative example

  The Annual Percentage Rate (APR) for a representative example in accordance with the Act of 12 May 2011 on consumer credit (consolidated text: Journal of Laws of 2024, item 1497, as amended) for a revolving payment account loan (ROR) granted from 4 December 2025 for a period of 12 months, is 16.73%, assuming: total loan amount PLN 7,000, commission PLN 140.00, loan period 12 months, the limit is fully used throughout the loan period, payment of the entire loan from the account in cash at a Bank or Poczta Polska branch, one-off repayment at the end of the agreement, variable interest rate equal to the sum of the reference rate of the National Bank of Poland (NBP), currently amounting to 4.00%, and the Bank's fixed margin of 9.25% is 13.25% per annum, taking into account that this interest rate may not exceed the maximum interest rate within the meaning of the Act of 23 April 1964 - Civil Code (consolidated text: Journal of Laws of 2020, item 1740, as amended). The current reference rate is provided in a press release of the Monetary Policy Council and is published on the National Bank of Poland website. Any change in the NBP reference rate results in an automatic change in the loan interest rate on the date the change in the NBP reference rate comes into effect. To conclude a loan agreement, you must have a savings and settlement account agreement with Bank Pocztowy SA with a monthly payment transfer from your income. The total cost of the loan for the above representative example is PLN 1,084.95 (including interest: PLN 934.95, loan commission PLN 140.00, monthly account maintenance fee: PLN 0, fee for cash withdrawal of the loan from the account in full: PLN 10.) Total amount payable PLN 8,084.95.

• More information about Bank Pocztowy's loan offer can be found on the Bank's website: