Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

KredytOK 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

KredytOK lends to Polish residents in instalments of PLN 1,000 to PLN 20,000, and the cost of that credit is high for the amount borrowed. It suits someone in Poland who needs cash quickly, can meet the credit bar and plans to clear the balance early.

Key facts

Best for
Polish borrowers who need cash quickly and can carry a high-cost instalment loan.
APR
47.17%↗
Loan amount
PLN 1,000 to PLN 20,000↗
Term
4 to 48 months↗
Arrangement fee
1483.74 PLN (instalment loan example: 5000 PLN, 24 instalments)↗
Credit check
Hard↗
Funding time
Within minutes of signing the contract, up to 15 minutes, same day in many cases↗
Representative example
Instalment loan: 5000 PLN, 24 instalments, RRSO 47.17%, total 7264.06 PLN↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
21+, Polish citizen, permanent residence in Poland, steady income, valid ID card, bank account↗
Loan types
Personal, Payday, Debt-consolidation, Business↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Legal entity
Capital Service S.A.↗
Headquarters
Poland↗
Founded
1999↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
kredytok.pl

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Free early repayment, so clearing the balance ahead of the agreed term adds no charge.
  • You borrow from the lender itself rather than a broker (direct lender), and it has been lending since 1999.
  • The same lender covers personal, payday, debt consolidation and business loans (personal, payday and debt consolidation).

Cons

  • The instalment loan APR of 47.17% sits well above the borrowing median of 14.7%.
  • The rate is variable, so instalments can move and the headline APR is not a ceiling.
  • The credit check is hard against a poor credit bar, so a thin file can end an application.
KredytOK

Ready to try KredytOK?

Scored 9.0 / 10 by SumCue.

Visit

Who it suits

  • Adults in Poland with permanent residence, a valid ID card, a bank account and a steady income.
  • People facing an urgent payment who can accept a variable rate and clear the balance early at no charge.
  • Borrowers planning home improvement work, the listed use case for the instalment loan.

Who should look elsewhere

  • Price-first readers: Sofkredit quotes an APR of 10.74% to 18.06%, far below the 47.17% charged here.
  • Anyone after a larger sum in euros: Creduma ES lends from €12,000.

Deposit protection

KredytOK lends as a direct lender (direct lender) under Capital Service S.A., so the contract runs straight between you and the lender. Capital Service S.A. appears in the KNF register of credit institutions as RIP 000123, and in the KNF register of payment services, small payment institution, as MIP 140/2022. These are lending and payment service entries rather than savings entries, so they say nothing about deposit cover.

How KredytOK compares

Where KredytOK is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (KNF) - Register of Credit Institutions (RIP 000123), checked September 26, 2026
Licence in Poland
Komisja Nadzoru Finansowego (KNF) - Register of Payment Services, small payment institution (MIP 140/2022), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a KredytOK instalment loan?+

The published instalment loan APR is 47.17% and the rate is variable, so it can move. The representative example shows the total repayable sitting well above the amount borrowed, before any arrangement fee. That makes this an expensive way to borrow.

What does the representative example show?+

The instalment loan example pairs a 47.17% APR with an arrangement fee, so the total repayable is well above the amount borrowed. The rate is variable, so the figure on an offer can differ from the illustration given before you apply.

Is KredytOK regulated?+

KredytOK is the brand of Capital Service S.A., listed in the KNF register of credit institutions as RIP 000123 and in the KNF register of payment services, small payment institution, as MIP 140/2022. Lending as a direct lender means contract and register point to the same company.

Who can apply for a KredytOK loan?+

Applicants must be adults who meet a minimum age, Polish citizens with permanent residence in Poland, with a steady income, a valid ID card and a bank account. A hard credit check runs against a poor credit bar, so a thin file is a real obstacle.

Can I repay early without a charge?+

Free early repayment applies, so clearing the balance ahead of the agreed term adds no charge. On a variable loan that matters, because interest stops once the balance is gone. Escaping a 47.17% APR is therefore cheaper than the headline suggests, as long as the money is there when instalments fall due.

How much can I borrow and for how long?+

Instalment loans run to PLN 1,000 to PLN 20,000, and the term runs 4 to 48. The listed use case is home improvement. On a high APR a shorter term means heavier instalments, so the term is the main lever on what you pay in total.

How do I reach KredytOK if something goes wrong?+

Support runs on email, phone and help centre: email, phone and a self-service help centre. A call is ordinary rather than an exception on this market. On a variable loan, ask about the current rate and the remaining balance before agreeing to anything new.

Can I borrow from KredytOK outside Poland?+

The lender is based in Poland, and its eligibility rules assume Polish citizens with permanent residence in Poland, a Polish ID card and a Polish bank account. Applicants resident elsewhere fall outside that eligibility, so readers in other European markets need a lender licensed where they live.

Sources

  • kredytok.pl checked September 26, 2026

    Backs: Founded, Legal entity, Loan types

  • kredytok.pl/chwilowka-online checked September 26, 2026

    Backs: Eligibility, Features

    “Mieć ukończone co najmniej 21 lat. Posiadać polskie obywatelstwo i stałe miejsce zamieszkania w Polsce ... Posiadać stałe źródło dochodu”

  • kredytok.pl/kontakt checked September 26, 2026

    Backs: Support channels

    “kontakt@kredytok.pl ... 601 500 500 ... Pytania i odpowiedzi”

  • kredytok.pl/o-nas checked September 26, 2026

    Backs: Headquarters, Lender type, Licences

    “CAPITAL SERVICE Spółka Akcyjna z siedzibą w Ostrołęce przy ul. Janusza Korczaka 73, 07-409 Ostrołęka”

  • kredytok.pl/pozyczka-ratalna-online checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Arrangement fee, Rate type, Representative example, Term, Use cases

    “Możesz wcześniej spłacić pożyczkę bez dodatkowych opłat”

  • kredytok.pl/pytania-i-odpowiedzi checked September 26, 2026

    Backs: Credit check, Credit needed, Funding time

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

KredytOK

KredytOK

Polish borrowers who need cash quickly and can carry a high-cost instalment loan.

9.0/10Visit