publication
2025-09-17 11:20
How much is borrowing 45,000 zloty? We collected current cash loan offers in force in September 2025, taking into account both insurance options and without it. Check in which costs are the lowest.
The profile of a model customer was adopted to prepare the ranking: a 35-year-old man, employed for several years, an indefinite employment contract. Its net income is PLN 7,500 per month, while the maintenance costs reach about PLN 5,000. It was assumed that he had a good credit history, so far regulated all liabilities and currently does not pay any loans. It was also assumed that this is a new bank customer, not using his offer over the past year, and runs a one -man household.
In the first table we compared cash loans offers at 45,000. PLN with a repayment period of 48 months in the option without insurance. The loan position in the ranking was determined on the basis of the total cost of the loan.
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Ranking of cash loans at 45,000 PLN without insurance – September 2025. |
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|---|---|---|---|---|---|
|
LP. |
Bank name |
Loan |
The total cost of the loan |
Installment |
APRC |
|
1. |
ING Bank Śląski |
Superpower Meet the others |
PLN 8,484.18 |
PLN 1 114.25 |
9.1% |
|
2. |
Velobank |
Cash loan Ask |
PLN 8,587.68 |
PLN 1 116.41 |
9.2% |
|
3. |
Bank Pekao |
Express loan Ask |
PLN 9,142.34 |
PLN 1,127.96 |
9.80% |
|
4. |
Alior Bank |
Cash loan for new customers Ask |
PLN 9,680.02 |
PLN 1 139.17 |
10.36% |
|
5. |
Credit Agricole |
Convenient cash loan* Meet the others |
PLN 9,720.96 |
PLN 1,140.02 |
10.41% |
|
6. |
BNP Paribas |
Cash loan Ask |
PLN 9,772.81 |
PLN 1,141.10 |
10.46% |
|
7. |
Bank Polska Spółdzielczości |
Cash loan Safe cash Meet the others |
PLN 10,398.51 |
PLN 1 139.16 |
11.28% |
|
8. |
PKO Bank Polski |
Cash loan Ask |
PLN 10,837.76 |
PLN 1,163.09 |
11.56% |
|
9. |
Environmental Protection Bank |
Cash loan Meet the others |
PLN 10,962.79 |
PLN 1,165.89 |
11.72% |
|
10. |
mBank |
Cash loan Meet the others |
PLN 11,025.77 |
PLN 1167.21 ** |
11.79% |
|
* ** |
Offer for customers without an active cash or consolidation loan. Last installment PLN 1166.90. |
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Source: Own study Bankier.pl based on calculations received from banks |
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The stake on the podium opens Superpower Available in ING Bank Śląski. The monthly installment is PLN 1114.25, which translates into the total cost of the loan of PLN 8,484.18. To usefrom the presented offer, it is necessary to have or open one of the indicated personal accounts: Direct account, Komfort, Mobi 18-26 or Active.
He came second Velobank. Monthly repayment Cash loan It is for PLN 1116.41. This means that the potential customer will bear the total cost of the loan in the amount 8587.68 zŁ.
The degree below was Bank Pekao with an express loan. The loan repayment is at the level every month 1127.96 zŁ, and the total cost is PLN 9142.34. An important convenience is MOThe use of using a two -month grace period in repayment. What's more, taking out a loan is not associated with the need to set up a personal account, and Pekao does not charge a commission for the payment of Gotoat in the ward.
Ranking of cash loans with insurance
In the second list we present cash loans offers at 45,000 PLN with a repayment period of 48 months taking into account insurance. The place of the offer in the ranking depends on the total cost of the loan.
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Ranking of cash loans at 45,000 PLN without insurance – September 2025. |
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|---|---|---|---|---|---|---|
|
LP. |
Bank name |
Loan |
The total cost of the loan |
Installment |
Insurance |
APRC |
|
1. |
Bank Polska Spółdzielczości |
Safe cash loan Meet the others |
PLN 10,587.14 |
PLN 1,132.69 |
PLN 499 |
10.95% |
|
2. |
Bank Pekao |
Express loan Ask |
PLN 13 585.57 |
PLN 1,085.53 |
PLN 6,480 |
14.56% |
|
3. |
ING Bank Śląski |
Superpower Meet the others |
PLN 14,430.01 |
PLN 1 112.12 |
PLN 6,048 |
15.37% |
|
4. |
Credit Agricole |
Convenient cash loan* Meet the others |
PLN 14,478.17 |
PLN 1 239.13 |
15.42% |
|
|
5. |
Velobank |
Cash loan Ask |
PLN 14,632.32 |
PLN 1,242.34 |
5076 PLN |
15.6% |
|
6. |
BNP Paribas |
Cash loan Ask |
PLN 15 221.44 |
PLN 1,254.61 |
0.2% |
9.37% |
|
* Offer for customers without an active cash or consolidation loan Source: Own study Bankier.pl based on calculations received from banks |
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The first place was taken Safe cash loan offered by Bank Polska Spółdzielczości (BPS). The monthly repayment of the liability is 1132.69 zŁ. The total cost of the loan is 10 587.14 zŁ. The offer isfor the clientwho openą TW accountój Plan. Worth addingthat BPS allows you to take advantage of the monthly trade in repayment and pay money to the squareit without additional opyears.
The vice -leader of the list is Bank Pekao. A potential customer will pay a monthly installment in the amount of 1085.53 zŁ. While the cost Express loan will 9142.34 zŁ. It is worth pointing out that the bank offers A two -month grace period in repayment, and just granting a loan does not require opening a personal account at the bank. Bank Pekao does not charge the payment feethat in the facility.
The stake on the podium closes ING Bank Śląski with a Super Loan. The monthly installment of the loan is 1112.12 zŁ. The offer is available to customers who will set up Personal account: Direct account, comfort, Mobi 18-26 or Active.
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