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 hapipo┼╝yczki 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%