Loan Calculator Poland

Q: Can I use the calculator for any loan type?

Yes. The tool works for personal loans, quick loans , car loans , mortgages , and more. Just adjust the amount, term, and purpose to match your situation.

Kristian Ole Rørbye · Updated 4. May 2026 ·

Borrowing costs money! If you cannot repay your debt in time, you risk being registered in credit databases such as BIK or KRD. For free financial and consumer advice in Poland, please visit UOKiK.

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1st Loan Free!

Max Amount 7 000 PLN

Interest from 0%

Min. Age 20 years

Payout 1-2 days

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A representative example for the first Loan, provided through Feniko.pl and the telephone sales channel: The annual percentage rate of charge (APR) is 0% with the following assumptions: total loan amount PLN 1,000; total amount payable PLN 1,000; total loan cost PLN 0; contract term: from 03/03/2021 to 02/04/2021. The calculation was made as of 03.03.2021. The interest rate is 0%. If the loan is not repaid within the timeframe stipulated by the provisions of the cash loan agreement, the Lender will charge interest for late payment at a variable interest rate representing, on an annual basis, twice the amount of statutory interest for late payment regulated by Article 481 § 2 of the Civil Code, i.e. the sum of the NBP reference rate and 5.5 percentage points. A representative example for another Loan granted through Feniko.pl: The Annual Percentage Rate of Interest (APR) is: 187.82% Total loan amount (excluding credited costs): PLN 1,000.00, variable interest rate: 20.5%, total loan cost: PLN 143.04 (including commission: PLN 116.92, interest: PLN 26.20), total amount payable: PLN 1,143.04, payable in 2 monthly installments (first installment of PLN 571.31, last installment of PLN 571.73). The calculation was made as of 15/12/2022.

Recommended

Max Amount 150 000 PLN

Interest from 23.35%

Min. Age 21 years

Payout 1-2 days

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Attractive Offer The "Attractive" product offer is valid from May 22, 2024 and applies to a loan of PLN 81,000 to PLN 150,000, concluded for a period of 98 to 120 months, through www.smartney.pl. Representative example for the "Attractive" loan: Annual Percentage Rate (APR) is 17.37%, total loan amount (excluding borrowed costs) is PLN 108,357.37, total amount payable is PLN 208,344.71, variable interest rate is 15.00%, total loan cost is PLN 99,987.34 (including: commission PLN 4,386.08, interest PLN 95,601.26), 109 monthly equal installments of PLN 1,891.68 each, the last equalizing installment is PLN 2,151.59. Calculation as of 03/07/2025. I am also sending a representative example for the "Modern" offer, which has also changed in case you use it in some activities: Modern Offer The "Modern" product offer is effective as of 09/10/2019 and applies to a loan of PLN 10,000 to PLN 80,000, concluded for a period of 72 to 96 months via www.smartney.pl. Representative example for the "Modern" loan: Annual Percentage Rate (APR) is 22.51%, total loan amount (excluding borrowed costs) is PLN 29,699.83, total amount to be paid is PLN 55,451.86, variable interest rate is 15.00%, total loan cost is PLN 25,752.03 (including: commission PLN 4,834.97, interest PLN 20,917.06), 81 monthly equal installments of PLN 675.65 each, the last equalizing installment is PLN 724.21. Calculation as of 03.07.2025.

1st Loan Free!

Max Amount 9 600 PLN

Interest from 0%

Min. Age 19 years

Payout 1-2 days

Apply Now

Legal: A representative example for the first loan provided through the website www.vivigo.pl, the Vivigo mobile app or over the phone: the Annual Percentage Rate of Interest (APR) is 0% with the following assumptions: total loan amount of PLN 1,000; total amount to be paid PLN 1,000; fixed interest rate per annum 0%; total loan cost PLN 0; contract for 61 days. Status as of 01.07.2025. A representative example for another loan provided through the website www.vivigo.pl, the Vivigo mobile application or by phone: the Annual Percentage Rate of Interest (APR) is 300.89% with the following assumptions: total loan amount of PLN 5,700; total amount to be paid PLN 6,389.08; fixed interest rate per year 15.5%; total loan cost PLN 689.08 (commission PLN 616.46, interest PLN 72.62); agreement for 30 days. Status as of 06.11.2025.

Max Amount 150 000 PLN

Interest from 10.95%

Min. Age 21 years

Payout 1-2 days

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Representative example: Repayment period: 12-42 months. Minimum APR: 10.95%. Maximum APR: 24.15%. Example: PLN 1,000 for 25 months. APR: 24.51%. Total amount to be repaid: PLN 1,237.80.

Max Amount 30 000 PLN

Interest from 29%

Min. Age 18 years

Payout 1-2 days

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The Self-Service Loan "naCoDzień" product offer has been available since January 14, 2026, and applies to online loans with a total loan amount ranging from PLN 1,000 to PLN 30,000, repayable in 12, 18, 24, 36, 44, or 48 monthly installments. The number of installments depends on the selected total loan amount. A positive credit assessment is required to grant the loan. The Annual Percentage Rate (APR) is 29%, total loan amount (without credited costs) PLN 9,300, total amount payable PLN 11,994.86, fixed interest rate 7%, total cost of the loan PLN 2,694.86 (including: commission PLN 1,887.88, arrangement fee PLN 40, flexible repayment plan fee PLN 0, interest PLN 766.98), 23 monthly equal installments of PLN 499.79 and the last, 24th installment of PLN 499.69. Calculation as of January 14, 2026 on a representative example loan for this loan. The amount of PLN 17 per day is a simulation resulting from dividing the total amount to be paid by the consumer by the number of days (the average number of days in a month is 30) falling within the repayment period of 24 months and rounding up to the nearest whole zloty.

Borrowing costs money! If you cannot repay your debt in time, you risk being registered in credit databases such as BIK or KRD. Having negative records means you could experience difficulties renting accommodation, taking out mobile subscriptions, or being granted new credit. For free consumer advice in Poland, please visit UOKiK.

Top Recommended: Feniko Product Feed Borrow up to 7 000 PLN with interest rates from 0%.

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Curious about what a loan will cost you? Use our Loan Calculator to get an instant estimate of your monthly payments, total interest, and overall repayment—before you apply. Just enter your amount, term, and interest rate to see how much your loan might really cost.

Fast, simple, and no signup required.

Loan Amount:

PLN

Loan term (years):

Monthly Payment: 0

Loan Purpose:

How to Use Our Loan Calculator

Getting a loan estimate is easy. Just enter a few basic details, and our tool will calculate your expected monthly payment and total repayment cost in seconds.

Here’s what you need to fill in:

Amount – How much money you want to borrow.
Term – How long you want to repay the loan (e.g. 12, 24, or 60 months).
Purpose – What you’ll use the loan for (e.g. car, home, personal). This helps personalize the estimate and may affect typical interest ranges.

Once you’ve entered the details, the calculator will show:

Estimated monthly payment
Total repayment
Approximate interest cost

You can adjust the inputs as needed to find a setup that fits your budget.

How Does a Loan Calculator Work?

A loan calculator uses a standard amortization formula to estimate your monthly payments based on the loan amount, term, and interest rate. It breaks the loan down into fixed monthly installments, which include both principal and interest.

The calculation assumes:

A fixed interest rate throughout the loan term
Equal monthly payments (annuity method)
No late fees or early repayment adjustments

Behind the scenes, the calculator applies this formula:

Monthly Payment = P × (r / (1 – (1 + r)^–n))
Where:

P = loan amount
r = monthly interest rate
n = number of total payments

This gives you a realistic estimate, but keep in mind that actual offers may include additional fees (e.g. setup fees or insurance), which are not reflected in the basic result. Always compare offers using the APR (Annual Percentage Rate) for full cost transparency.

Example of a Loan

Below are example loan calculations to help you understand how loan amount, term, and interest rate affect your monthly payments and total cost. These are based on fixed-rate loans with typical market conditions in Poland.

Loan Amount	Term	Monthly Rate	Monthly Payment	Total Repayment	Total Interest
5,000 PLN	12 months	3.0%	488 PLN	5,856 PLN	856 PLN
10,000 PLN	24 months	2.5%	533 PLN	12,792 PLN	2,792 PLN
20,000 PLN	36 months	2.2%	770 PLN	27,720 PLN	7,720 PLN
30,000 PLN	48 months	2.0%	913 PLN	43,824 PLN	13,824 PLN
50,000 PLN	60 months	1.8%	1,089 PLN	65,340 PLN	15,340 PLN

These examples show how longer terms reduce monthly payments but increase the total interest paid. Adjusting the loan amount and term in the calculator can help you find the best balance for your budget.

FAQ

Frequently Asked Questions

No. It’s an estimate based on typical interest rates and standard repayment terms. Actual loan offers may include fees or different conditions.

No. It’s completely anonymous and does not involve a credit check. You can use it as often as you like without any impact on your credit.

If unsure, start with 6–10% for personal loans, 2–4% for mortgages, and 15–30% for short-term loans. Exact rates depend on your credit profile and lender.

Yes. The tool works for personal loans, quick loans, car loans, mortgages, and more. Just adjust the amount, term, and purpose to match your situation.

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