Interest limits for loans – November 2025

Ashley Davis13/11/2025

0 102 6 minutes read

Michał Kisiel2025-11-13 06:00Bankier.pl analyst

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2025-11-13 06:00

Interest rates are falling, so the cost of the most expensive loans must also fall. This is the result of the limit embedded in Polish law, which applies to banks, loan companies, but also private lenders.

Loans have to stop again. These are the new limits — photo: Kamil Zajaczkowski / / Shutterstock

Hardly anyone today remembers that just over 4 years ago, the most expensive credit card on the market was associated with interest of… 7.2%. Such rates may now be associated with mortgage loans, although fortunately for borrowers, “six” is the most common price list today. However, many cash loans still have double-digit interest rates.

In the market of loans and credits “for consumption”, the limits set out in the Civil Code and the Consumer Credit Act play a special role. The current upper limit of interest is twice the reference rate (after the November reduction in 2025 – 4.25 percent) increased by 3.5 percentage points. Right now the maximum interest rate is 15.5 percent.

How much interest for the loan? This is the maximum

Interest limit is the same whether you borrow from a bank or from a friend. The examples shown in the table illustrate the maximum interest that can be charged for various amounts and periods, assuming a one-time loan repayment. This limit applies to both financial institutions and private individuals granting loans unprofessionallye.g. among friends.

Maximum amount of interest for a consumer loan or credit (at a reference rate of 4.25%, one-off repayment at the end of the period)
Loan amount/repayment period	7 days	15 days	31 days	60 days	3 months (91 days)	6 months	12 months
PLN 500	PLN 1.49	PLN 3.18	PLN 6.58	PLN 12.74	PLN 19.32	PLN 38.22	PLN 77.50
PLN 600	PLN 1.78	PLN 3.82	PLN 7.90	PLN 15.29	PLN 23.19	PLN 45.86	PLN 93.00
PLN 700	PLN 2.08	PLN 4.46	PLN 9.22	PLN 17.84	PLN 27.05	PLN 53.51	PLN 108.50
PLN 800	PLN 2.38	PLN 5.10	PLN 10.53	PLN 20.38	PLN 30.92	PLN 61.15	PLN 124.00
PLN 900	PLN 2.68	PLN 5.73	PLN 11.85	PLN 22.93	PLN 34.78	PLN 68.79	PLN 139.50
PLN 1,000	PLN 2.97	PLN 6.37	PLN 13.16	PLN 25.48	PLN 38.64	PLN 76.44	PLN 155.00
PLN 2,000	PLN 5.95	PLN 12.74	PLN 26.33	PLN 50.96	PLN 77.29	PLN 152.88	PLN 310.00
PLN 3,000	PLN 8.92	PLN 19.11	PLN 39.49	PLN 76.44	PLN 115.93	PLN 229.32	PLN 465.00
PLN 4,000	PLN 11.89	PLN 25.48	PLN 52.66	PLN 101.92	PLN 154.58	PLN 305.75	PLN 620.00
PLN 5,000	PLN 14.86	PLN 31.85	PLN 65.82	PLN 127.40	PLN 193.22	PLN 382.19	PLN 775.00
PLN 10,000	PLN 29.73	PLN 63.70	PLN 131.64	PLN 254.79	PLN 386.44	PLN 764.38	PLN 1,550.00
PLN 20,000	PLN 59.45	PLN 127.40	PLN 263.29	PLN 509.59	PLN 772.88	PLN 1,528.77	PLN 3,100.00
PLN 30,000	PLN 89.18	PLN 191.10	PLN 394.93	PLN 764.38	PLN 1,159.32	PLN 2,293.15	PLN 4,650.00
PLN 50,000	PLN 148.63	PLN 318.49	PLN 658.22	PLN 1,273.97	PLN 1,932.19	PLN 3,821.92	PLN 7,750.00
Source: Bankier.pl, 12/11/2025.

In the case of an annual commitment of PLN 50,000. PLN before the November interest rate reduction, the cost of the loan could amount to a maximum of PLN 8,000. zloty. The latest decision of the Monetary Policy Council resulted in a slight reduction of this limit – by PLN 250. However, it is worth noting that interest is not always a key component of the total cost of many financial products.

Fees and commissions are also a cost. Banks and lending companies must guard this border

The total cost of the loan includes both interest and non-interest costs, such as fees and commissions charged regardless of the principal interest rate. These costs are limited, but different regulations apply to them depending on the nature of the loan: different rules apply to consumer loans granted by banks, credit unions or lending institutions to consumers, and different rules apply to private loans between individuals.

Let's look at the provisions of the Consumer Credit Act. For loans and advances with a repayment period of at least 30 days, the limit for non-interest costs is:

10% of the amount made available,
plus 10% of this amount for each year of the contract.

However, the total sum of fees and commissions cannot exceed 45% of the consumer loan amount, which means that further extension of the repayment period does not increase this limit. For the so-called “payday loans”, i.e. loans with a repayment period of up to 30 days, have a limit of 5% of the borrowed amount.

Maximum total cost of a consumer loan (interest + commissions, at a reference rate of 4.25%, one-off repayment at the end of the period)
Loan amount/repayment period	7 days	15 days	31 days	60 days	3 months (91 days)	6 months	12 months
PLN 500	PLN 26.49	PLN 28.18	PLN 60.83	PLN 70.96	PLN 81.79	PLN 112.88	PLN 177.50
PLN 600	PLN 31.78	PLN 33.82	PLN 72.99	PLN 85.15	PLN 98.15	PLN 135.45	PLN 213.00
PLN 700	PLN 37.08	PLN 39.46	PLN 85.16	PLN 99.34	PLN 114.50	PLN 158.03	PLN 248.50
PLN 800	PLN 42.38	PLN 45.10	PLN 97.33	PLN 113.53	PLN 130.86	PLN 180.60	PLN 284.00
PLN 900	PLN 47.68	PLN 50.73	PLN 109.49	PLN 127.73	PLN 147.22	PLN 203.18	PLN 319.50
PLN 1,000	PLN 52.97	PLN 56.37	PLN 121.66	PLN 141.92	PLN 163.58	PLN 225.75	PLN 355.00
PLN 2,000	PLN 105.95	PLN 112.74	PLN 243.32	PLN 283.84	PLN 327.15	PLN 451.51	PLN 710.00
PLN 3,000	PLN 158.92	PLN 169.11	PLN 364.97	PLN 425.75	PLN 490.73	PLN 677.26	PLN 1,065.00
PLN 4,000	PLN 211.89	PLN 225.48	PLN 486.63	PLN 567.67	PLN 654.30	PLN 903.01	PLN 1,420.00
PLN 5,000	PLN 264.86	PLN 281.85	PLN 608.29	PLN 709.59	PLN 817.88	PLN 1,128.77	PLN 1,775.00
PLN 10,000	PLN 529.73	PLN 563.70	PLN 1,216.58	PLN 1,419.18	PLN 1,635.75	PLN 2,257.53	PLN 3,550.00
PLN 20,000	PLN 1,059.45	PLN 1,127.40	PLN 2,433.15	PLN 2,838.36	PLN 3,271.51	PLN 4,515.07	PLN 7,100.00
PLN 30,000	PLN 1,589.18	PLN 1,691.10	PLN 3,649.73	PLN 4,257.53	PLN 4,907.26	PLN 6,772.60	PLN 10,650.00
PLN 50,000	PLN 2,648.63	PLN 2,818.49	PLN 6,082.88	PLN 7,095.89	PLN 8,178.77	PLN 11,287.67	PLN 17,750.00
Source: Bankier.pl, 12/11/2025.

The table shows the maximum total cost (both interest and non-interest) at the current level of interest rates (4.25%) and applicable limits on fees and commissions. It is worth emphasizing significant differences in limits for commitment periods, e.g. 15 and 31 days. The more than doubling of the permitted maximum amount is due to application different thresholds for short-term and longer-term loans. The strict restriction on “payday loans” resulted in the almost complete elimination of such products from the market.

Loan between individuals – what is the maximum cost?

For private loans, the total maximum cost is slightly different than for a consumer loan. The total amount of non-interest costs “in a cash loan agreement concluded with a natural person and not directly related to that person's business or professional activity” may not exceed the rate calculated according to the formula: (number of repayment days / number of days in a year) x total loan amount x 20 percent.

Maximum total cost of a private loan (interest + non-interest costs, at a reference rate of 4.25%, one-off repayment at the end of the period)
Loan amount/repayment period	7 days	15 days	31 days	60 days	3 months (91 days)	6 months	12 months
PLN 500	PLN 3.40	PLN 7.29	PLN 15.08	PLN 29.18	PLN 44.25	PLN 87.53	PLN 177.50
PLN 600	PLN 4.08	PLN 8.75	PLN 18.09	PLN 35.01	PLN 53.10	PLN 105.04	PLN 213.00
PLN 700	PLN 4.77	PLN 10.21	PLN 21.11	PLN 40.85	PLN 61.95	PLN 122.55	PLN 248.50
PLN 800	PLN 5.45	PLN 11.67	PLN 24.12	PLN 46.68	PLN 70.81	PLN 140.05	PLN 284.00
PLN 900	PLN 6.13	PLN 13.13	PLN 27.14	PLN 52.52	PLN 79.66	PLN 157.56	PLN 319.50
PLN 1,000	PLN 6.81	PLN 14.59	PLN 30.15	PLN 58.36	PLN 88.51	PLN 175.07	PLN 355.00
PLN 2,000	PLN 13.62	PLN 29.18	PLN 60.30	PLN 116.71	PLN 177.01	PLN 350.14	PLN 710.00
PLN 3,000	PLN 20.42	PLN 43.77	PLN 90.45	PLN 175.07	PLN 265.52	PLN 525.21	PLN 1,065.00
PLN 4,000	PLN 27.23	PLN 58.36	PLN 120.60	PLN 233.42	PLN 354.03	PLN 700.27	PLN 1,420.00
PLN 5,000	PLN 34.04	PLN 72.95	PLN 150.75	PLN 291.78	PLN 442.53	PLN 875.34	PLN 1,775.00
PLN 10,000	PLN 68.08	PLN 145.89	PLN 301.51	PLN 583.56	PLN 885.07	PLN 1,750.68	PLN 3,550.00
PLN 20,000	PLN 136.16	PLN 291.78	PLN 603.01	PLN 1,167.12	PLN 1,770.14	PLN 3,501.37	PLN 7,100.00
PLN 30,000	PLN 204.25	PLN 437.67	PLN 904.52	PLN 1,750.68	PLN 2,655.21	PLN 5,252.05	PLN 10,650.00
PLN 50,000	PLN 340.41	PLN 729.45	PLN 1,507.53	PLN 2,917.81	PLN 4,425.34	PLN 8,753.42	PLN 17,750.00
Source: Bankier.pl, 12/11/2025.

The Civil Code indicates that during the entire repayment period non-interest costs cannot exceed 25%. total loan amount. This is the final limit, independent of the formula indicated above. Therefore, if we borrow money from our family for several years, this limitation should be taken into account.

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