publication
2025-10-20 06:00
Increasing installments and many liabilities can be a big challenge for the household budget. A consolidation loan is a way to organize them and reduce monthly costs. We analyzed current bank offers, taking into account the possibility of obtaining an additional PLN 20,000. PLN in cash.
The sample borrowers were a married couple with two children (a 42-year-old man and a 40-year-old woman). They have both been employed under an employment contract for an indefinite period for several years. Their total monthly net income is PLN 14,840, of which PLN 7,890 for a man and PLN 6,950 for a woman. Fixed monthly household expenses amount to approximately PLN 8,500, including PLN 1,559 for servicing existing installments.
Potential borrowers have a good credit history. They have no delays in repayments or current liabilities. They will be considered new customers in the analyzed bank because they have not used its offer in the last 12 months.
In the first table, we compared the offers of consolidation loans for the family from the example in the variant without insurance for a period of 60 months with an additional loan in the amount of PLN 20,000. zloty.
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Ranking of consolidation loans without insurance – October 2025 |
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|---|---|---|---|---|---|
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No. |
Bank name |
Loan |
Total cost of the loan |
Installment |
APR |
|
1. |
BNP Paribas |
First loan ASK |
PLN 11,550.97 |
PLN 942.52 |
9.76% |
|
2. |
Citi Handlowy Bank |
Consolidation Loan ASK |
PLN 11,628.91 |
PLN 1,034 |
8.83% |
|
3. |
VeloBank |
Consolidation loan ASK |
PLN 11,639.41 |
PLN 1,033.80 |
8.80% |
| 4. | ING Bank Śląski | Consolidation loan ASK |
PLN 11,996.12 | PLN 1,039.75 | 9.10% |
| 5. | Bank Pekao | Express loan ASK |
PLN 12,194.57 | PLN 1,043.05 | 9.25% |
|
6. |
Alior Bank |
Online Loan ASK |
PLN 12,241.12 |
PLN 954.03 |
10.36% |
|
7. |
Environmental Protection Bank |
Cash loan MEET OTHERS |
PLN 13,758.42 |
PLN 979.31 |
11.62% |
|
6. |
mBank |
Consolidation loan MEET OTHERS |
PLN 13,839.37 |
PLN 980.65** |
11.69% |
|
7. |
Bank Millennium |
Consolidation loan MEET OTHERS |
PLN 14,897.25 |
PLN 966.07 |
12.17% |
|
* |
The last installment in the amount of PLN 981.02. |
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Source: own study by Bankier.pl based on calculations received from banks |
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He took first place in the October ranking BNP Paribas. Monthly installment of liabilities consolidated within First loan amounts to PLN 942.52. The total cost of the loan is PLN 11,550.97. It is worth adding that potential customers do not have to open a personal bank account to take advantage of the offer.
She took second place Consolidation Loan available in the offer Citi Handlowy Bank. The repayment is PLN 1,034 per month, which translates into a loan cost of PLN 11,628.91. Similarly to BNP Paribas, also at Citi Handlowy customers do not have to open an account at the bank to take advantage of the offer.
He took third place VeloBank. Potential customers from the example will repay PLN 1,033.80 monthly Consolidation loan. In total, they will pay PLN 11,639.41 for consolidation with the new liability. To take advantage of the offer, you must create a VeloAccount. It is worth emphasizing that when applying for a loan, you can take advantage of a grace period in repayment of the first installment of 1 to 3 months.
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