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Pieniadze-pozyczka 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

Pieniadze-pozyczka lends PLN 100 to PLN 100,000 and money reaches the account up to 15 minutes after a positive decision, so it suits Polish residents with a repair or car bill to settle. The 47.17% rate and the operating fee in the example make it an expensive way to carry debt.

Key facts

Best for
Polish borrowing that lands quickly for a repair bill, a car cost or a payday need.
APR
47.17%↗
Loan amount
PLN 100 to PLN 100,000↗
Term
2 to 144 months↗
Arrangement fee
PLN 1483.74 operating fee (prowizja operacyjna) in the PLN 5000 example loan↗
Funding time
up to 15 minutes after a positive decision↗
Representative example
RRSO 47.17%, PLN 5000 loan, total to repay PLN 7264.06, 24 monthly instalments, calculation dated 20.03.2026↗
Rate type
Variable↗
Lender type
Broker↗
Eligibility
resident of Poland aged 18-75 with own personal bank account, mobile number, email and ID; footer states age 18-80 and permanent residence in Poland↗
Loan types
Personal, Payday, Car↗
Use cases
Home-improvement↗
Legal entity
DoAff SIA↗
Headquarters
Latvia↗
Support channels
Email↗
Features
Same-day funding
Official website
pieniadze-pozyczka.pl

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Funding arrives up to 15 minutes after a positive decision on a positive decision, and same day funding is listed among its features.
  • Amounts run PLN 100 to PLN 100,000 with terms of 2 to 144, so a small short-term loan and a longer home repair loan both fit.
  • Personal, payday and car loans sit under one broker, so a single form can reach more than one lending partner across personal, payday and car.

Cons

  • The 47.17% rate is high, and the representative example adds an operating fee on top of the interest.
  • Support runs on email only, so there is no phone line or live chat for questions before you apply.
  • As a broker under broker, the final terms are set by a lending partner rather than shown on these pages.
Pieniadze-pozyczka

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Scored 8.3 / 10 by SumCue.

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Who it suits

  • Residents of Poland within the stated age range who hold their own personal bank account, mobile number, email address and ID.
  • Anyone with a repair or car cost who needs the money quickly and cannot wait for a bank transfer to clear.
  • Borrowers who want one application covering personal, payday and car borrowing, and who can handle a variable rate on 47.17%.

Who should look elsewhere

  • Not Cashspace, where the APR runs PHP 12 to PHP 36 against 47.17% here, if cost is the deciding factor.
  • Not Sofkredit, whose APR runs 10.74% to 18.06%, well below 47.17%, if the cost of the loan decides it.
  • Not Creduma ES, where borrowing starts at from €12,000 and suits larger sums than the smallest loans here.

Where it sits among rivals

Loan amount places it at 620 of 665 brands compared, and the annual percentage rate at 299 of 338. Amount ranks better here than the rate does, which points to a range on offer that is not matched by a competitive cost of borrowing.

Safety of your money

Its lender kind is a broker rather than the lender itself, so an application is passed on and the offer you receive comes from a lending partner. The representative example is the clearest guide to cost: it pairs the rate with an operating fee and shows the total repayable and the monthly instalment, so the real bill is set out before you commit.

How Pieniadze-pozyczka compares

Where Pieniadze-pozyczka is available

Available
Poland

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

Frequently asked questions

How much can I borrow and for how long?+

Amounts run PLN 100 to PLN 100,000 across the products listed, and personal, payday and car loans are all offered. Terms run 2 to 144, so a short small loan and a larger home improvement loan both fit.

What rate would I pay?+

The annual percentage rate is 47.17% and the rate type is variable, so the rate can move during the loan. Rate comparisons elsewhere on the site sit lower, with Sofkredit at 10.74% to 18.06%.

What fees are added to the loan?+

The representative example pairs the 47.17% rate with an operating fee, called prowizja operacyjna, on the example loan. It also shows the total repayable and the monthly instalment, so the full cost sits in one place before you apply.

How quickly does the money arrive?+

Funding runs up to 15 minutes after a positive decision after a positive decision, and same day funding is listed among its features. That suits a repair bill or car cost that cannot wait for a transfer to clear.

Who can apply?+

Applicants must be residents of Poland within a stated age range, with their own personal bank account, a mobile number, an email address and ID. Support runs on email, so eligibility questions can be put in writing before you apply.

Who ends up lending the money?+

Its lender kind is a broker, so an application is passed to a lending partner and the offer you receive comes from that partner. Ask what protections attach to the loan before you sign, and read the terms the partner sends.

How do I get help with an application?+

Support runs on email only, so email is the single route to the team. Anyone who wants to talk a decision through before applying will not find a phone line or live chat listed here.

What kinds of loan can I take?+

Personal, payday and car loans are all offered, and home improvement is the use case named. A small sum quickly and a larger loan for the same project later can both go through one broker.

Sources

  • pieniadze-pozyczka.pl checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Headquarters, Legal entity, Loan types, Arrangement fee, Rate type, Representative example, Term, Use cases

    “Minimum loan amount is 100 zloty, maximum loan amount is 100,000 zloty”

  • pieniadze-pozyczka.pl/kontakt checked September 26, 2026

    Backs: Support channels

    “Write a message or email info@pieniadze-pozyczka.pl”

  • pieniadze-pozyczka.pl/regulamin checked September 26, 2026

    Backs: Lender type

    “The Company provides a service of searching for a Lender ... The Company is not a party granting loans”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Pieniadze-pozyczka

Pieniadze-pozyczka

Polish borrowing that lands quickly for a repair bill, a car cost or a payday need.

8.3/10Visit