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PanKredyt 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

PanKredyt is a Polish loan broker for adults with a good credit record who want a personal loan of PLN 500 to PLN 150,000 paid out the same day. The origination fee charged to the consumer is 0 PLN charged to the consumer by the site operator.

Key facts

Best for
Polish adults with a good credit record who need a personal loan paid out within the same working day.
Loan amount
PLN 500 to PLN 150,000↗
Term
1 to 120 months↗
Arrangement fee
0 PLN charged to the consumer by the site operator↗
Credit check
Hard↗
Funding time
Cash on the bank account within bank business hours after the credit decision; stated as a few tens of minutes↗
Lender type
Broker↗
Eligibility
Age 20-70, permanent residence and documented income in Poland, active Polish bank account and mobile number, no BIK or BIG entries, no repayment arrears↗
Loan types
Personal↗
Credit needed
Good↗
Legal entity
Loando Direct Sp. z o.o.↗
Headquarters
Poland↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
pankredyt.pl

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
loando.plofin.pl

Pros and cons

Pros

  • Loan sizes of PLN 500 to PLN 150,000 over 1 to 120 cover both small and large borrowing needs
  • same day funding is listed, and cash reaches the account within bank business hours after the decision is made
  • The origination fee charged by the site operator is 0 PLN charged to the consumer by the site operator
  • Support runs on email, phone and help centre, and the same team handles questions by phone and email

Cons

  • The credit check is hard, so a declined application can leave a mark on your credit file
  • PanKredyt works as a broker, so the rate and contract come from whichever partner lender approves you
  • Eligibility is limited to adults with permanent residence, documented income in Poland and an active local bank account
PanKredyt

Ready to try PanKredyt?

Scored 8.6 / 10 by SumCue.

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Who it suits

  • Polish residents with a good credit record and documented income who hold an active Polish bank account
  • People who need the cash in their bank account within bank business hours on the same day
  • Borrowers comfortable with a broker choosing the lender, reviewing the offer and setting the final terms

Who should look elsewhere

  • Anyone with a BIK or BIG entry or repayment arrears on file, who then fails the eligibility rules
  • Borrowers who want one named lender rather than a broker, or who prefer the euro sums at Sofkredit

How PanKredyt compares

Where PanKredyt is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (KNF) - Rejestr Pośredników Kredytowych (RPK018024), checked September 26, 2026

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

Frequently asked questions

How much can I borrow through PanKredyt?+

PanKredyt offers personal loans of PLN 500 to PLN 150,000. The lender behind the offer sets the final amount once your application is assessed. PanKredyt runs as a broker, so the terms you get come from a partner lender.

What credit record do I need?+

The credit check is hard, and the needed credit level is good. You also need no BIK or BIG entries and no repayment arrears. That is a strict filter if you have any past default on record.

How quickly is the money paid out?+

PanKredyt lists same day funding, with cash reaching your bank account within bank business hours after the credit decision. The payout follows the decision rather than waiting for a later date. You need an active Polish bank account to receive it.

Does PanKredyt charge me a fee?+

The origination fee charged to the consumer by the site operator is 0 PLN charged to the consumer by the site operator. Costs of the loan itself sit with the lender that approves you, so read the offer before you sign. PanKredyt is a broker rather than the lender.

Who is behind PanKredyt?+

The site is run by Loando Direct Sp. z o.o., based in Poland. It appears in the Komisja Nadzoru Finansowego register of credit intermediaries under RPK018024. PanKredyt handles the application, not the lending.

How long can I take to repay?+

Repayment terms run 1 to 120. A short term keeps the monthly amount high, a longer term spreads the cost. The product is personal loans only, so there is no second loan type to move to.

How do I get help?+

Support runs on email, phone and help centre, so you can reach the team by email or phone, or use the help centre. Questions about a live application go to the lender that approved you, since PanKredyt brokers the deal and the contract sits there.

Who can apply?+

Applicants must be adults of a minimum age, with permanent residence and documented income in Poland, an active Polish bank account and a mobile number. They also need no BIK or BIG entries and no repayment arrears, and the operator sits in Poland.

Sources

  • pankredyt.pl checked September 26, 2026

    Backs: Lender type, Arrangement fee, Licences

  • pankredyt.pl/jak-pozyczyc checked September 26, 2026

    Backs: Credit needed, Eligibility, Features, Funding time

    “Pieniądze w ramach kredytowania możesz otrzymać już w kilkanaście minut”

  • pankredyt.pl/kontakt checked September 26, 2026

    Backs: Support channels

    “Loando Direct Sp. z o.o. ... Telefon: 22 100 84 85”

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

    Backs: Loan types

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

    Backs: Loan amount, Credit check, Term

  • pankredyt.pl/regulamin checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Loando Direct Sp. z o.o. z siedzibą w Warszawie (02-017), przy ul. Aleje Jerozolimskie 123A”

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

Not confirmed yet: APR, Representative example.

Related by the facts

PanKredyt

PanKredyt

Polish adults with a good credit record who need a personal loan paid out within the same working day.

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