Check out the loan offer at Bank Pocztowy
Do you have dreams and need cash to fulfill them? Find out which loan from Bank Pocztowy is best for you. Once you've chosen one, apply at a Poczta Polska branch or by phone, whichever is most convenient for you!
A well-calculated loan is a cash loan granted without commission and insurance .
The maximum loan amount is up to PLN 250,000.
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Who can apply for a loan?
The loan is available to both current and new customers of the Bank.
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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).
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APR 15.50 % 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. This offer cannot be combined with other cash loan offers. Loans are granted from PLN 1,000 to PLN 250,000 (including costs), for any consumer purpose, with loan terms ranging from 3 to 120 months.
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The loan is granted:
- for any consumption purpose
- no commission and no insurance
- for a period from 3 to 120 months
Offer valid until February 3, 2026.
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The Annual Percentage Rate (APR) for a representative example is 15.50% assuming: loan granted on December 10, 2025 for a period of 56 months, without insurance, total loan amount PLN 40,100.00 (without credited loan costs), repaid by the 10th of each month in 55 equal installments of PLN 989.42, last – 56th balancing installment in the amount of PLN 988.56, variable interest rate 14.49% per annum, total cost of loan PLN 15,306.66 (including: commission PLN 0.00, interest PLN 15,306.66), total amount to be paid PLN 55,406.66.
Details of the offer are available at the Bank’s branches, credit intermediaries and on the website www.pocztowy.pl .
A fixed-rate loan is a good choice for those who want to maintain a constant payment throughout the repayment period.
It can be used for any purpose.
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Who can apply for a loan?
The loan is available to both current and new customers of the Bank.
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Amount and repayment period
You can apply for a maximum amount of PLN 250,000 spread over up to 60 months (5 years).
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APR 12.13 % 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. This offer cannot be combined with other cash loan offers.
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The loan is granted from PLN 1,000 to PLN 250,000 (including costs), for any consumer purpose, with a loan period of 3 to 60 months.
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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
Offer valid until January 31, 2026.
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The Annual Percentage Rate (APR) for a representative example is 12.13% assuming: loan granted on November 1, 2025 for a period of 42 months, without insurance, total loan amount PLN 23,400 (without credited loan costs), repaid by the 1st of each month in 41 equal installments of PLN 679.29, last – 42nd balancing installment in the amount of PLN 679.10, fixed interest rate 11.49% per annum, total loan cost PLN 5,129.99 (including: commission PLN 0.00, interest PLN 5,129.99), total amount to be paid PLN 28,529.99.
Details of the offer are available at the Bank’s branches, credit intermediaries and on the website www.pocztowy.pl .
This lightweight consolidation loan is designed for clients who have debts with other banks and wish to transfer them to Bank Pocztowy.
After the transfer, you'll receive a single, lower installment.
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Who can apply for a loan?
The loan is available to both current and new customers of the Bank.
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Amount and repayment period
You can apply for an amount from PLN 20,000 to PLN 250,000, for a maximum of 10 years .
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APR 8.83 % 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 to the loan interest rate affect the cost of servicing the loan. This offer cannot be combined with other cash loan offers. Loans are granted from PLN 1,000 to PLN 250,000 (including costs).
This loan is intended to repay cash loans held by other banks, with the option to withdraw cash for any consumer 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
Offer valid until February 3, 2026. .
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The Annual Percentage Rate (APR) for a representative example is 8.83% assuming: loan granted on December 10, 2025 for a period of 80 months, without insurance, total loan amount PLN 78,400 (without credited loan costs), repaid by the 10th of each month in 79 equal installments of PLN 1,286.74, last – 80th balancing installment in the amount of PLN 1,286.29, variable interest rate 8.49% per annum, total cost of loan PLN 24,538.75 (including: commission PLN 0.00, interest PLN 24,538.75), total amount to be paid PLN 102,938.75.
Details of the offer are available at the Bank’s branches, credit intermediaries and on the website www.pocztowy.pl .
An overdraft facility is a financial product designed for Bank Pocztowy customers . Its amount depends on the monthly inflows to your account . After signing an agreement with the bank, it is activated automatically when the funds in your account run out. Repayment also occurs automatically when the funds are deposited into your account.
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Who can apply for a loan?
The loan is available to customers of Bank Pocztowy.
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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.
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More information about Bank Pocztowy's loan offer can be found on the Bank's website:
