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Loan Calculator Poland
Free, 100% digital loan calculator
Calculate and save money with lower interest rates
Instant answers from up to 21 lenders in Poland
We recommend applying to more than one loan provider. It’s non-binding, comes with a 14-day cancellation right, and most offers arrive within days.
Recommended
Amount
PLN 1.000 – 150.000
(≈ USD 270 – 40.000)
Term
6-120 months
Interest rate
16.94%
Verified Company
100% free and no obligation
Loan for what you need
Example: The “Attractive” product offer is valid from 22.05.2024 and applies to a loan in the amount of PLN 81,000 to PLN 150,000, concluded for a period of 98 to 120 months, via the website www.smartney.pl. Representative example for a “Attractive” loan: Annual Percentage Rate (APR) is 19.71%, total loan amount (without credited costs) PLN 101,062.26, total amount to be paid PLN 212,502.93, variable interest rate 15.75%, total cost of loan PLN 111,440.67 (including: commission PLN 8,827.63, interest PLN 102,613.04), 113 monthly equal installments of PLN 1,863.83 each, last balancing installment PLN 1,890.14. Calculation as of September 19, 2024.
Amount
PLN 300 – 7.000
(≈ USD 80 – 1.880)
Term
7-61 days
Interest rate
0-308,07 %
Verified Company
100% free and no obligation to apply
Payment on the same day
Example: Annual Percentage Rate (APR) is: 182.26% Total loan amount (excluding credited costs): PLN 1,000.00, variable interest rate: 17.5%, total loan cost: PLN 138.68 (including commission: PLN 116.64, interest: PLN 22.04), total amount to be paid: PLN 1,138.68, payable in 2 monthly installments (first installment in the amount of PLN 569.28, last installment in the amount of PLN 569.40). The calculation was made on 08/05/2025.
Amount
PLN 100 – 4.000
(≈ USD 26 – 1.074)
Term
61 days
Interest rate
0-308,07 %
Verified Company
100% free and no obligation to apply
Easy and fast
Example: Representative example for a first loan granted via the website www.vivigo.pl , the Vivigo mobile application or by phone: The Annual Percentage Rate (APR) is 0% assuming: total loan amount PLN 1,000; total amount to be paid PLN 1,000; annual fixed interest rate 0%; total loan cost PLN 0; contract for 61 days. As of April 1, 2025.
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.
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.