Cash loan ranking for 75 thousand. zloty. We check where you will pay the least

Differences in the costs of a cash loan for PLN 75,000 PLN may reach even several thousand zlotys – according to the analysis of Bankier.pl. We analyzed the banks' offers with a 36-month repayment period, both with and without insurance. Check the latest ranking of cash loans.

In the new ranking, we analyzed cash loans for the amount of PLN 75,000 PLN with a repayment period of 36 months. The list was prepared on the basis of data sent directly from banks. The institutions prepared a loan simulation for the model profile of a 35-year-old client employed under an employment contract for an indefinite period, earning a monthly net income of PLN 7,500 and declaring fixed living costs of PLN 5,000. The analysis assumed no other credit obligations and a positive BIK history.

Cash loan ranking for 75 thousand. PLN without insurance

In the first list, we analyze cash loan offers in the amount of PLN 75,000. PLN in the variant without insurance. Calculations for this scenario were presented by 9 banks. The order in the ranking is determined by the total cost of the loan.

First place in the February ranking of cash loans for PLN 75,000. PLN in the variant without insurance was placed VeloBank with a cash loanthe total cost of which is PLN 9,732.84. The monthly installment of the liability is PLN 2,353.69, and the APR is set at 8.40%. To take advantage of the offer, you must open a VeloKonto account. It is also worth adding that the bank offers free cash withdrawals at branches.

He took second place Bank Pekao with Express Loan. The total cost of the loan is PLN 9,757.69, which is slightly more than the leader of the ranking. The monthly installment is PLN 2,354.38 and the APR is 8.45%. The differences from the first item are small and amount to several dozen zlotys in total cost. The advantages of the product include the availability of two-month credit holidays and the option of free withdrawal of funds at the branch.

He came in third place ING Bank Śląski with Superloan. The total cost of the loan is PLN 10,136.06, with a monthly installment of PLN 2,464.89. The APR in this case reaches 8.78%. Additionally, it is worth mentioning that the bank offers the option of free withdrawal of funds at a branch and does not require opening a personal account in order to take advantage of the offer.

Cash loan ranking for 75 thousand. PLN with insurance

The second analysis concerns the costs of cash loans in the amount of PLN 75,000. PLN, but in the variant with insurance. Also in this ranking, the total cost of financing determines the place.

The leader of the February ranking of cash loans for PLN 75,000. PLN with insurance was left Bank Polskiej Spółdzielczości with the “Safe Loan Promotion” offer. The total cost of the commitment is PLN 12,022.98, and the monthly installment is set at PLN 2,384.98. The cost of insurance is PLN 623.70, and the APR is 9.90%. The condition for taking advantage of the offer is to open a Your PLAN Account in the bank. For those interested in the product, an additional advantage may be the ability to withdraw funds at a branch and a one-month credit holiday.

He takes second place Bank Pekao with Express Loan. The total cost of the loan is PLN 15,371.10, with a monthly installment of PLN 2,285.73. The insurance increases the cost of the liability by PLN 8,085, and the APR is 13.39%. To take advantage of the offer, the bank does not require you to open a personal account. People who decide to take out a loan can withdraw cash at the branch free of charge.

The podium closes VeloBank with a cash loanthe total cost of which is PLN 16,901.16. The monthly installment amounts to PLN 2,552.81, and the insurance cost is PLN 6,345. The APR in this offer was set at 14.60%. 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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