Loans without online certificates – up to PLN 25,000 Ranking of the best offers

Most banks require documents confirming their income from their clients. It looks much easier in loan companies, which usually do not require such documents. The customer only makes a statement about the income he receives, i.e. indicates the source of the money.

To receive a loan without certificates is enough:

– 18 years old

– ID card

– Bank account

– e-mail and mobile phone.



1. Credit – a new offer

  • A loan without certificates: from PLN 500 to PLN 20,000
  • Repayment: from 6 to 36 months
  • All you need is a statement of income
  • All over the Internet
  • A quick loan decision
  • APRC 66.75%

Profi Credit is one of the most popular installment loans in Poland. Recently, the company offers loans entirely via the Internet and without certificates of earned income.

2. Money – the cheapest offer


  • A loan without certificates: from PLN 2,500 to 25,000
  • Repayment: from 12 to 48 months
  • All you need is a statement of income
  • Also with a negative credit history
  • Even with the court bailiff
  • APRC 46.1%

The cheapest loan in the list. Rapida Money is available exclusively and entirely via the Internet. However, a guarantor or guarantor is required to obtain a loan.

A popular internet loan. In hapipożyczki Customers can take advantage of delayed repayment (up to 2 months) and repayment holidays.

3 Credit – new

  • A loan without certificates: from PLN 1,100 to PLN 1,500
  • Repayment: 6 months
  • Full online
  • Minimal formalities
  • Quick decision and withdrawal of money
  • APR 280%

New in the ranking. The loan amount is not high, but it enjoys the considerable interest of customers.

6 Mikrorata

  • Loan without certificates: from 1000 to 10,000 PLN
  • Repayment: from 21 to 24 months
  • All you need is a statement of income
  • Money for any purpose
  • Possibility to pay at the post office
  • APRC 81.05%

Mikrorata is a fast loan for any purpose. We receive money only on the basis of income statements. You can withdraw cash at the post office using the so-called GIRO check.

7 MoneyGuru

  • A loan without certificates: from PLN 100 to PLN 10,000
  • Repayment: from 3 to 24 months
  • No income statements
  • High acceptance of applications
  • Money even in 15 minutes
  • APY: from 0% to 1971%