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Akcepto review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Akcepto is a Polish loan broker that suits adults living and earning in Poland who need instalment or payday money quickly and cannot place credit elsewhere. The catch is price: an APR of 56.12% on a variable rate, which leaves the total loan cost as the figure that really matters.

Key facts

Best for
Fast instalment or payday money in Poland for readers with a poor credit profile.
APR
56.12%↗
Loan amount
PLN 500 to PLN 150,000↗
Term
2 to 96 months↗
Arrangement fee
0 zl - no fee for using the service or applying↗
Credit check
Hard↗
Funding time
Within minutes of a positive decision, some lenders pay out 24/7↗
Representative example
Instalment loan: RRSO 56.12% for 4 500 zl, contract 32 months, 32 monthly instalments of 244.83 zl, total loan cost 3 334.40 zl of which commission 1 647.54 zl and interest 1 686.86 zl, total payable 7 834.40 zl (as of 08.04.2025)↗
Rate type
Variable↗
Lender type
Broker↗
Eligibility
Adult aged 18+ with full legal capacity; residing and earning income in Poland; Polish ID, PESEL, mobile, e-mail and online banking access↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
Finperial Sp. z o.o. (KRS 0001141345, NIP 5273141245)↗
Headquarters
Poland↗
Support channels
Email, Help-centre↗
Features
Same-day funding
Official website
akcepto.pl

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • The service charge is 0 zl - no fee for using the service or applying, so a quote costs nothing to try.
  • same day funding, and some lenders on the panel pay out around the clock.
  • Borrowing of PLN 500 to PLN 150,000 over terms of 2 to 96, and a poor credit profile is accepted.

Cons

  • The price is high: an APR of 56.12% on a variable rate.
  • The credit check is hard, so every full application shows on your credit file.
  • Support runs on email and help centre only, with no phone line and no live chat.
Akcepto

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Scored 8.4 / 10 by SumCue.

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Who it suits

  • Adults residing and earning income in Poland who hold a Polish ID, a PESEL, a mobile number, e-mail and online banking.
  • Borrowers with a poor credit profile who get turned down elsewhere.
  • People who need the money the same day and can accept a variable rate.

Who should look elsewhere

  • Cashspace, whose APR band of PHP 12 to PHP 36 costs less than 56.12% here.
  • Sofkredit, listed at an APR of 10.74% to 18.06%, for anyone put off by 56.12%.
  • Creduma ES, whose listed loan amount of from €12,000 points to a different, larger market rather than the PLN 500 to PLN 150,000 range here.

Where it sits among rivals

On loan amount, Akcepto ranks 502 out of 665 brands, while on APR it places at 305 out of 338. Two very long fields, and the rate ranking is the one to read closely, since the numbers that decide the final cost sit in that column rather than the amount column.

How Akcepto compares

Where Akcepto is available

Available
Poland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Akcepto charge?+

The broker lists an APR of 56.12%, and the rate is variable, so the cost can move with the market rather than staying fixed for the life of the loan. That headline reads high, which makes the total loan cost in the example the figure worth reading.

Is there a fee for using Akcepto?+

The service charge is 0 zl - no fee for using the service or applying, so a quote and an application cost nothing to try. What you repay is the loan cost itself, which in the instalment example is split between commission and interest.

What does the instalment example show?+

The published instalment loan example runs at an APR of 56.12% and breaks the total loan cost into a commission part and an interest part, repaid in monthly instalments. Those figures cover one loan size and term, so a different amount and a different term produce a different total.

How fast can I get the money?+

Payout usually follows a positive decision in a matter of minutes, and same day funding sits on the list. Part of the panel releases money day or night, so a late application can still reach the account the same evening, though speed depends on the lender you are matched with.

Who can apply through Akcepto?+

Applicants must be adults with full legal capacity who reside and earn income in Poland, with a Polish ID, a PESEL, a mobile number, e-mail and online banking. The credit profile expected here is poor, which is why the panel includes lenders that work with thinner files.

How much can I borrow and for how long?+

Borrowing runs across PLN 500 to PLN 150,000 with terms of 2 to 96, and the panel covers personal and payday style lending, so a small short term instalment and a larger longer one sit in the same place. The calculator lets you size a loan before applying.

What credit check is run?+

The check is hard, so a full application reaches the credit file rather than a soft prequalification. That matters when you plan several approaches, since each full application is visible to lenders and a decline is recorded the same way.

Who am I dealing with, and how do I get help?+

Akcepto is a broker, so the lender you end up with is chosen from the panel rather than named up front. The operator is Finperial Sp. z o.o. (KRS 0001141345, NIP 5273141245). Support runs on email and help centre, so expect a written answer rather than a voice call.

Sources

  • akcepto.pl checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Features, Funding time, Lender type, Loan types, Arrangement fee, Rate type, Representative example, Term

    “Choose amount 10 000 zl - 500 zl 150 000 zl”

  • akcepto.pl/kalkulator checked September 26, 2026

    Backs: Credit check

    “In connection with the loan application I authorise you to apply to Biuro Informacji Kredytowej S.A. requesting disclosure of information”

  • akcepto.pl/kontakt checked September 26, 2026

    Backs: Support channels

    “Write to info@akcepto.pl - we usually reply within 24 hours”

  • akcepto.pl/regulamin checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity

    “Only an adult natural person with full capacity to act in law may use the loan offer search service”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Akcepto

Akcepto

Fast instalment or payday money in Poland for readers with a poor credit profile.

8.4/10See alternatives