Rankomat.pl review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Rankomat.pl prices Polish loans and insurance in one place, with a cash loan APR of 8.07% to 15.49% and third party liability cover from PLN 350. It suits Polish borrowers and drivers who want to compare quotes from several providers before committing, and it sits on the Komisja Nadzoru Finansowego register of insurance intermediaries.
Key facts
- Best for
- One place to compare Polish cash loan offers and insurance premiums before applying.
- Premium from
- PLN 350↗
- Insurance types
- Auto, Home, Travel, Life, Health, Motorcycle, Breakdown, Home-emergency↗
- Provider type
- Comparison site↗
- Monthly payments
- Yes↗
- Cover limit
- 29 876 400 zł for personal injury, 6 021 600 zł for property damage (OC sum guaranteed)↗
- Claims channels
- Insurer↗
- Legal entity
- Ubezpieczenia Rankomat Sp. z o.o.↗
- Headquarters
- Poland↗
- Founded
- 2008↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- rankomat.pl
Loans
- APR
- 8.07% to 15.49%↗
- Loan amount
- up to PLN 255,550↗
- Term
- up to 120 months↗
- Arrangement fee
- 0 % commission (Bank Pekao Pożyczka Ekspresowa, RRSO 8,07 %)↗
- Credit check
- Hard↗
- Funding time
- Same day, often within minutes or hours of signing the agreement↗
- Representative example
- RRSO 8,51 %, 29 000 zł over 49 months in 49 instalments of 698 zł, total amount to repay 34 221 zł↗
- Rate type
- Variable↗
- Lender type
- Marketplace↗
- Eligibility
- At least 18 years old, full legal capacity and a valid ID↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Payday, Debt-consolidation, Car, Secured, Credit-line↗
- Use cases
- Home-improvement↗
- Features
- Same-day funding
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- LinkedInfacebook.com
Pros and cons
Pros
- Loan amounts reach up to PLN 255,550 with terms of up to 120 at a variable rate.
- An arrangement fee of 0 % commission (Bank Pekao Pożyczka Ekspresowa, RRSO 8,07 %) on the cheapest listed offer.
- Insurance cover spans auto, home and travel and can be paid monthly.
Cons
- A hard credit check is part of every application: hard.
- Support runs on email, phone and help centre only, and claims go straight through insurer.
- The rate type is variable, so the headline cost can move during the term.
Who it suits
- Polish adults with full legal capacity and a valid ID, matching the eligibility set for its cash loan offers At least 18 years old, full legal capacity and a valid ID.
- Drivers in Poland who want third party liability cover from PLN 350 paid monthly.
- Seniors, one of the audiences the site targets: seniors.
Who should look elsewhere
- Readers who want a euro savings product rather than Polish cover, since Linxea lists a premium from €25.
- Anyone who mainly wants to hold a bank account day to day, since bunq is a banking app listed at €0 rather than a Polish comparison site.
- Readers based in Spain who want Spanish providers, since bunq Spain covers another market and is listed at €0.
How Rankomat.pl compares
8.7 vs 8.6
8.7 vs 9.4
8.7 vs 9.3
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8.7 vs 9.0
8.7 vs 8.7
8.7 vs 9.4
8.7 vs 9.2
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 8.7Its premium starts at €25, a savings product rather than the Polish loans and policies compared here.
8.7 vs 9.0
8.7 vs 8.8A banking app listed at €0, useful for everyday account holding rather than Polish insurance quotes.
8.7 vs 8.9
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8.7 vs 9.0
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8.7 vs 8.2- 8.7 vs 8.0
Where Rankomat.pl is available
- Available
- Poland
- Licence in Poland
- Komisja Nadzoru Finansowego (KNF) - rejestr posrednikow ubezpieczeniowych (11229663/A), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a cash loan cost on Rankomat.pl?+
The listed cash loan offers run at an APR of 8.07% to 15.49%, and the rate type is variable, so a rate can change over the life of a loan. The cheapest offer carries an arrangement fee of 0 % commission (Bank Pekao Pożyczka Ekspresowa, RRSO 8,07 %), and the representative example on the page shows the amount borrowed, each instalment and the total repayable.
How much can I borrow and how long can I take to repay?+
Loan amounts reach up to PLN 255,550 and terms run to up to 120, both in Polish zloty. The site covers personal, payday, debt consolidation, car, secured and credit line borrowing, aimed at home improvement among other uses, so a single amount is not the only option on offer.
Do I need a good credit history to apply?+
The credit check is hard, hard, so a thin credit file works against you. Applicants must be adults with full legal capacity and a valid ID, At least 18 years old, full legal capacity and a valid ID, and the site works as a marketplace, marketplace, so the lender you end up with sets the final terms.
Is Rankomat.pl regulated?+
The site appears in the Komisja Nadzoru Finansowego register of insurance intermediaries under number 11229663/A. The company behind it is Ubezpieczenia Rankomat Sp. z o.o., based in Poland, and it works as a comparison site rather than an insurer, comparison site.
What insurance can I compare?+
The comparison covers auto, home and travel. Third party liability cover starts at PLN 350, and monthly payments are available so the premium is spread across the year. The third party liability page also sets out the guaranteed sums for personal injury and for property damage.
How do I get help or make a claim?+
Support runs on email, phone and help centre. For a claim, the process runs through insurer, so the insurer you buy the policy from handles the claim itself rather than the comparison site stepping in on your behalf.
How does Rankomat.pl rank on price?+
The site scores 1.5 overall, with the cost part at 1.5. On premium from it sits at position 217 of 251 brands compared, so its entry premiums are high in that field.
Sources
- rankomat.pl checked September 26, 2026
Backs: Claims channels, Headquarters, Insurance types, Legal entity, Support channels
“Ubezpieczenia Rankomat Sp. z o.o. z siedzibą w Warszawie przy ul. Wolska 88”
- rankomat.pl/finanse/kredyty-gotowkowe checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases
“kredyt konsumencki może wynieść maksymalnie 255 550 zł”
- rankomat.pl/o-nas checked September 26, 2026
Backs: Provider type, Founded
“Rankomat to internetowa porównywarka ubezpieczeń.”
- rankomat.pl/ubezpieczenie-ac checked September 26, 2026
Backs: Pricing model, Monthly payments
- rankomat.pl/ubezpieczenie-oc checked September 26, 2026
Backs: Audience, Cover limit, Premium from
“Ubezpieczenie OC dla seniora”
- rpu.knf.gov.pl checked September 26, 2026
Backs: Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Rankomat.pl
One place to compare Polish cash loan offers and insurance premiums before applying.