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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!

The loan is granted from PLN 1,000 to PLN 250,000, for any consumer purpose, with a loan period of 3 to 60 months.

  • The loan 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 loan will be granted on these terms until June 30, 2026.

  • The Annual Percentage Rate (APR) for a representative example is 12.13%, assuming: total loan amount PLN 23,400, total amount payable PLN 28,529.99, loan granted for 42 months, fixed interest rate 11.49% per annum, total cost of loan PLN 5,129.99 (commission PLN 0.00; interest PLN 5,129.99), repaid monthly: 41 installments of PLN 679.29 each and one of PLN 679.10. Calculation as of November 1, 2025

    This is not an offer.
    The decision and terms of the loan depend on your creditworthiness assessment.
    Changes in the loan interest rate affect the loan cost.

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

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The loan is granted from PLN 1,000 to PLN 250,000, intended to repay cash loans held by other banks, with the option to withdraw cash for any consumer purpose, with a loan term ranging from 3 to 120 months. The loan cannot be used to refinance or consolidate liabilities at Bank Pocztowy SA.

The loan can be used by customers who::

    • They will provide an email address
    • They will give their marketing consent
    • They will consent to the electronic sending of loan repayment schedules.The loan will be granted on these terms until June 30, 2026.
  • The Annual Percentage Rate (APR) for a representative example is 8.83% assuming: total loan amount PLN 78,400, total amount payable PLN 102,938.75, loan granted for 80 months, variable interest rate 8.49% per annum, total cost of the loan
    PLN 24,538.75 (commission PLN 0.00; interest PLN 24,538.75), repaid monthly: 79 installments of PLN 1,286.74 and one installment of PLN 1,286.29. Calculation as of December 10, 2025.

    This is not an offer.
    The decision and terms of the loan depend on your creditworthiness assessment.
    Changes in the loan interest rate affect the loan cost.

    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.

  • 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 16.46% 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 5 March 2026 for a period of 12 months, is 16.46%, 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 3.75%, and the Bank's fixed margin of 9.25%. 13.00% 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 - the 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 1,058.51 (including interest: PLN 907.51, loan granting commission PLN 140.00, monthly account maintenance fee: PLN 0, fee for cash withdrawal of the loan from the account in full: PLN 11.) Total amount payable PLN 8,058.51.

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

Choose a loan for yourself at Bank Pocztowy
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