Check the loan offer at Bank Pocztowy
Do you have dreams and need cash to fulfill them? Check which of the loans offered by Bank Pocztowy suits you best. And when you choose, submit an application at the Polish Post Office or by phone, just like you are comfortable!
The loan is well counted with a cash loan granted without commission and insurance .
The maximum loan amount is up to PLN 200,000.
-
Who can apply for a loan?
The loan is available for both current and new bank clients.
-
The amount and repayment period
You can apply for a maximum of PLN 1,000 to PLN 200,000 spread over a maximum period of 120 months (10 years).
-
APRC 16.07% for a representative example
This information does not constitute an offer within the meaning of art. 66 § 1 of the Civil Code, the decision and credit conditions depend on the individual assessment of creditworthiness. Changing the interest rate on the loan affects the cost of handling the loan. The offer is not combined with other preferential cash loan offers. The loan is granted from PLN 1,000 to PLN 200,000 (together with costs), with amounts of over PLN 100,000 from the offer, farmers and natural persons conducting business activity (except for selected professions: Court Bailiff, Prosecutor, Judge/ Advocate/ NOTARY/ NOTARY/ TRADIVATE, PHARMACUTA/ PHARMACZA/ APTEKER, Medical and Veterinary/ Dentist. Architect/ engineer, expert auditor/ tax advisor, investment advisor/ insurance broker, burner of securities, chief accountant/ accountant, IT specialist (IT specialist).
-
The loan is granted:
- for any consumer purpose
- No commission and no insurance
- for a period of 3 to 120 months
The offer is valid until May 6, 2025.
-
The actual annual interest rate (APRC) for a representative example is 16.07%
At the assumptions: a loan granted on April 3, 2024 for a period of 51 months, without insurance, total loan amount PLN 29,400.00 (without credited credit costs), repaid to the 3rd day of each month in equal installments in the amount of PLN 782.94, last installment installment PLN 782.92, variable interest rates 14.99% on annual basis, total loan cost 10 PLN 529.92 (including: interest PLN 10,529.92, commission PLN 0.00), total amount to pay PLN 39,929.92.
Details of the offer at the bank, credit intermediaries and at www.pocztowy.pl
A loan with a fixed interest rate is a good choice for people who want to maintain a fixed installment in the entire repayment period.
It can be intended for any purpose.
-
Who can apply for a loan?
The loan is available for both current and new bank clients.
-
The amount and repayment period
You can apply for a maximum of PLN 200,000 spread up to 60 months (5 years).
-
APRC 14.38% for a representative example
This information does not constitute an offer within the meaning of art. 66 § 1 of the Civil Code, the decision and credit conditions depend on the individual assessment of creditworthiness. The offer is not combined with other preferential cash loan offers. The loan is granted from PLN 1,000 to PLN 200,000 (together with costs), with amounts of over PLN 100,000 from the offer, farmers and natural persons conducting business activity (except for selected professions: Court Bailiff, Prosecutor, Judge/ Advocate/ NOTARY/ NOTARY/ TRADIVATE, PHARMACUTA/ PHARMACZA/ APTEKER, Medical and Veterinary/ Dentist. Architect/ engineer, expert auditor/ tax advisor, investment advisor/ insurance broker, burner of securities, chief accountant/ accountant, IT specialist (IT specialist).
The loan is granted for any consumer purpose, the loan period from 3 to 60 months.
-
The offer can be used by customers who:
- Will provide an e-mail address
- They will give the current mobile phone number
- Will agree on marketing consent
- Will agree to electronically sending loan repayments schedules.
The offer is valid until May 6, 2025.
-
The actual annual interest rate (APRC) for a representative example is 14.38%
based on: a loan granted on January 8, 2025 for a period of 42 months, without insurance, the total loan amount PLN 20,800.00 (without credited credit costs), repaid to 8th day of each month in equal installments in the amount of PLN 624.05, last installment leveling PLN 623.82, fixed interest rate 13.49% on annual ratio, total PLN 5409.87 (including: commission PLN 0.00, interest PLN 5409.87), total amount to be paid PLN 26,209.87
Details of the offer in bank branches, credit intermediaries and at www.pocztowy.pl.
A light consolidation loan is intended for customers who have obligations at other banks and want to transfer them to Bank Pocztowy.
After moving, you will receive one, lower installment.
-
Who can apply for a loan?
The loan is available for both current and new bank clients.
-
The amount and repayment period
You can apply for an amount of PLN 20,000 to PLN 200,000, for a maximum of 10 years .
-
APRC 11.57% for a representative example
This information does not constitute an offer within the meaning of art. 66 § 1 of the Civil Code, the decision and credit conditions depend on the individual assessment of creditworthiness. Changing the interest rate on the loan affects the cost of handling the loan. The offer is not combined with other preferential cash loan offers. The loan is granted from PLN 20,000 to PLN 200,000 (together with costs), with amounts of over PLN 100,000 from the offer, farmers and natural persons conducting business activity (except for selected professions: court bailiff, prosecutor, judge/ lawyer/ notary/ legal advisor, pharmacist/ pharmacist, medical and veterinary medicine/ dentist, numerous Architect/ engineer, expert auditor/ tax advisor, investment advisor/ insurance broker, burner of securities, chief accountant/ accountant, IT specialist (IT specialist).
A loan intended to pay cash loans in other banks with the possibility of choosing cash for any purpose, a loan period from 3 to 120 months. The loan cannot be intended for refinancing or consolidating liabilities at Bank Pocztowy SA
-
The offer can be used by customers who:
- Will provide an e-mail address
- They will give the current mobile phone number
- Will agree on marketing consent
- Will agree to electronically sending loan repayments schedules.
The offer is valid until May 6, 2025.
-
The actual annual interest rate (APRC) for a representative example is 11.57%
At the assumptions: a loan granted on January 8, 2025 for a period of 87 months, without insurance, total loan amount PLN 76,100.00 (without credited credit costs), repaid to the 8th day of each month in equal installments in the amount of PLN 1272.78, last installment equalizing PLN 1272.27, variable interest rate 10.99% on annual basis, total loan cost 34 PLN 631.35 (including: commission PLN 0.00, interest PLN 34,631.35), total amount to pay PLN 110,731.35.
Details of the offer in bank branches, credit intermediaries and at www.pocztowy.pl.
The account loan is a financial product for clients of Bank Pocztowy . Its amount depends on the monthly revenues to the account . After signing the contract with the bank, it is started automatically when the funds are over your account. The repayment also occurs automatically when the funds are received on the account.
-
Who can apply for a loan?
The loan is available to Bank Pocztowy's clients.
-
The amount and repayment period
You can apply for an amount of PLN 500 to PLN 100,000 .
The loan is folded out for 12 months . -
APRC 16.25% for a representative example
The actual annual interest rate (APRC) for a representative example in accordance with the Act of 12 May 2011 on consumer loan (i.e. Journal of Laws of 2024, item 1497, as amended) for a loan in a payment account (ROR) renewable from 1 January 2025 for a period of 12 months, is 16.25%: PLN 7,000, commission PLN 0.00, loan period 12 months, throughout the loan period, the limit is fully used, payment of the entire loan from the cash account at the Bank or Poczta Polska, one -time repayment at the end of the contract, interest rates equal to the sum of the reference rate of the National Bank of Poland (NBP) currently 5.75% and permanent bank margin of 9.25 It amounts to 15.00% on an annual basis, taking into account that the amount of these interest may not exceed the amount of maximum interest within the meaning of the Act of April 23, 1964 - Civil Code (i.e. Journal of Laws of 2020, item 1740, as amended). The current height of the reference rate is given in a communication of the Monetary Policy Council and is posted on the website of the National Bank of Poland. Any change in the NBP reference rate causes an automatic change in the interest rate on the loan on the day of entry into force of the NBP reference rate change. To conclude a loan agreement, it is required to have a saving and billing payment agreement at Bank Pocztowy SA with a monthly impact on the account from the income. The total cost of the loan for the above representative example is PLN 1,057.12 (including interest: PLN 1,047.12, monthly fee for keeping an invoice: PLN 0, fee for paying out cash with a loan from the account in full: PLN 10) total amount to pay PLN 8,057.12. The granting of the loan and its final amount depends on the result of the creditworthiness assessment. Other terms of the offer also depend on the customer segment. Changing the interest rate on the loan affects the cost of handling the loan.
-
You can find more information about the Bank Pocztowy loan offer on the bank's website:
Credit card for a good solution for people who want to use the bank's funds and pay them back in a moment . The credit card provides flexible access to the credit limit granted by Bank Pocztowy. When you pay by credit card, the money is charged from the card's credit account, not from a personal account .
Credit card for a good solution for people who want to use the bank's funds and pay them back in a moment. The credit card provides flexible access to the credit limit granted by Bank Pocztowy. When you pay by credit card, the money is charged from the card's credit account, not from a personal account.
-
Credit card advantages:
- You don't pay anything for issuing the card
- The profile period is up to 55 days
- To apply for a card, the minimum income is PLN 1589 net
- The card limit can be up to PLN 20,000
- You can win prizes in MasterCard® Propetne® Moments
-
How to apply for a credit card
You can assume an application for a credit card, among others at Poczta Polska Distribution or by an online application located on the Bank Pocztowy website.
You can find more information about the credit card and its current parameters and interest on Bank Pocztowy.
-
APRC 17.47 for a representative example
The actual annual interest rate (APRC) for a representative example in accordance with the Act of 12 May 2011 on consumer loan (i.e. Journal of Laws of 2024, item 1497, as amended) is 17.47% based on assumptions: credit limit PLN 10,000 (total loan amount) granted on January 1, 2025, used in whole on the day generating the first monthly statement as a result of a non -cash operation, debt repaid with fees and interest on the dates of the required repayment in installments equal to the required repayment amount of 5% of the credit limit used, but not less than PLN 50 and not more than the remaining debt, with the reservation that the last installment before the date of termination of the contract will be equal to the all over the date of termination of the contract, The day of repayment of the last loan installment, the holder will not make any other payments or card operations, the variable interest rate 14.25% per annum, the customer does not use additional services and promotions, an additional card will not be issued, fees and commissions related to issuing and handling the card will be: a fee for issuing a card PLN 0, a monthly fee for a card PLN 8, commission PLN 0. The total cost of the loan for the above representative example is PLN 3,087.31, assuming that the contract will apply for 4 years, including interest of PLN 2,711.31, the sum of monthly card fees in the assumed period of the contract of the contract PLN 376.00. Total amount to pay PLN 13,087.31.
