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SohoCredit 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

SohoCredit is a Polish broker for people with a thin credit file who need cash in a hurry, and it suits a single market only. The arrangement fee is free and early repayment costs nothing, though the headline rate on offer spans 0% to 51.1%, so the cost of borrowing is where care is needed.

Key facts

Best for
Polish borrowers with a poor credit file who need money the same day.
APR
0% to 51.1%↗
Loan amount
PLN 100 to PLN 10,000↗
Term
36 months↗
Arrangement fee
0 PLN - service is free, no commission or hidden fees↗
Credit check
Soft prequal↗
Funding time
15-30 minutes in the fastest cases, usually 2-4 hours, at latest by the end of the next business day↗
Representative example
Instalment loan: RRSO 11.61%, credit amount excluding costs PLN 10,000, total repayable PLN 11,791.18, fixed interest 3.99%, total credit cost PLN 1,791.18 (fee PLN 1,087.35, interest PLN 695.73), 36 months; max RRSO 178.38%, average RRSO 17.28%↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
18-75 years old, Polish ID card and an account in a Polish bank↗
Origination fee (%)
0%↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
Findao sp. z o.o.↗
Headquarters
Poland↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
sohocredit.pl

Facts checked September 26, 2026, 2 sources

Pros and cons

Pros

  • Arrangement fee of 0 PLN - service is free, no commission or hidden fees and free early repayment, so nothing is charged for arranging or clearing early
  • Soft prequalification means checking eligibility does not commit you to a hard credit search
  • Money can arrive the same day, with most applications funded within hours
  • Support runs on email, chat and phone, so help is easy to reach

Cons

  • The headline rate of 0% to 51.1% leaves plenty of room above the fixed rate offers lower down
  • As a broker, the lender behind the loan is decided for you rather than chosen by you
  • Repayment is a single fixed instalment loan with a set term, so a large balance sits with you for the whole period
SohoCredit

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Polish residents with a poor credit file who have been declined by banks
  • Borrowers who need a same day transfer and value free early repayment
  • People who want to check eligibility without a full credit search

Who should look elsewhere

  • Anyone hunting the cheapest headline rate, where Sofkredit at 10.74% to 18.06% reads far better
  • Borrowers needing a large facility, since Creduma ES works from from €12,000
  • Applicants outside Poland, who cannot meet the Polish ID and Polish bank account rule

Deposit protection

SohoCredit works as a broker, which means it introduces you to a lender rather than lending the money itself. The representative instalment example is a fixed rate loan, and the headline rate of 0% to 51.1% describes the spread of offers available. Because the lending sits elsewhere, the money is in the hands of the lender, not held as a deposit with SohoCredit, so there is no deposit protection scheme to describe here.

The company behind it

The brand runs as Findao sp. z o.o., a Polish limited liability company headquartered in Poland, which matches the requirement for a Polish ID card and a Polish bank account. As a broker it sits between applicants and lenders rather than carrying lending risk itself. Support covers email, chat and phone, giving a phone line, live chat, email and a help centre for questions before and after taking a loan.

How SohoCredit compares

Where SohoCredit is available

Available
Poland

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

Frequently asked questions

What does SohoCredit charge for arranging a loan?+

The arrangement fee is 0 PLN - service is free, no commission or hidden fees, and the percentage fee on the amount borrowed is 0%. Early repayment is free, so clearing the loan ahead of schedule adds nothing to what has already been paid. There is no monthly account to maintain either.

How much can I borrow and for how long?+

Loans run from PLN 100 to PLN 10,000 over a term of 36. The amount covers both personal and payday style borrowing, so the same service handles a small short term need and a larger instalment loan spread over a longer period.

What interest rate will I pay?+

The headline rate on offer is 0% to 51.1%, which is a wide spread and signals that the rate depends heavily on your own profile. The rate type is fixed, so once an offer is set it does not drift. The representative example shows a fixed interest rate applied over the full term.

Will applying damage my credit file?+

The check is a soft prequalification rather than a hard search, so an initial look at eligibility does not leave a full credit search on your record. Applicants should still expect the chosen lender to run its own assessment before releasing funds.

How quickly will the money arrive?+

Funding is the same day in the quickest cases, usually within a few hours, and at the latest by the end of the next business day. Same day funding is listed as a feature, which is the main reason borrowers in a tight spot choose this broker.

Who am I actually borrowing from?+

SohoCredit is a broker, so it assesses your application and passes it to a lender rather than lending the money itself. The legal entity behind the service is Findao sp. z o.o., based in Poland. That structure also means the lender and its terms are set for you.

Who can apply?+

Applicants must be adults, hold a Polish ID card and keep a bank account with a Polish bank. The lender kind is a broker, and the service covers personal and payday loans, so the same application route serves most short term and instalment needs.

What credit history do I need?+

The credit needed is marked as poor, so a thin or damaged credit file is expected rather than a barrier. That is a genuine opening for applicants turned down elsewhere, though the wider rate range of 0% to 51.1% reflects the risk priced into these loans.

Sources

  • sohocredit.pl checked September 26, 2026

    Backs: APR, Eligibility, Features, Headquarters, Legal entity, Loan types, Pricing model, Rate type, Representative example, Support channels, Term

    “RRSO: from 0.00% ... Maximum RRSO may be: for a short-term loan up to 317.03%, for instalment loans up to 51.10%, for bank loans up to 18%”

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

    Backs: Loan amount, Credit check, Credit needed, Free early repayment, Funding time, Lender type, Arrangement fee, Origination fee (%)

    “From 100 zloty to even 10 000 zloty - the final amount depends on the chosen company and your financial capacity”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

SohoCredit

SohoCredit

Polish borrowers with a poor credit file who need money the same day.

9.0/10See alternatives