publication
2026-04-16 06:00
Same loan, different costs. We analyzed how much you have to pay to borrow PLN 26,000. PLN for a period of 49 months. Some offers differ by only a few dozen zlotys. Check which bank offers the lowest costs.
In the April ranking, we adopted the profile of an average borrower based on data from the Credit Information Bureau (BIK). This is a 43-year-old person for whom banks have prepared loan simulations in the amount of PLN 26,000. PLN with a repayment period of 49 months. For the purposes of preparing the analysis, we assumed that the borrower is employed under an employment contract for an indefinite period, with a monthly net income of PLN 7,500 and fixed expenses of PLN 5,000. It is also assumed that the applicant has no other liabilities and has a good credit history.
Ranking of cash loans without insurance
In the first part of the ranking, we analyze cash loans without insurance. 13 banks prepared calculations for this scenario, and the ranking is determined by the total cost of the loan.
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Cash loan ranking of 26,000. PLN without insurance – April 2026 |
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|---|---|---|---|---|---|
|
No. |
Bank name |
Loan |
Total cost of the loan |
Installment |
APR |
|
1. |
Citi Handlowy Bank |
Cash Loan for new customers ASK |
PLN 4,553.95 |
PLN 624 |
8.28% |
|
2. |
Santander Consumer Bank |
Master cash loan MEET OTHERS |
PLN 4,563.27 |
PLN 623.74* |
8.30% |
|
3. |
Bank Millennium |
Cash loan MEET OTHERS |
PLN 4,565.23 |
PLN 623.62 |
8.3% |
|
4. |
Bank Pekao |
Express loan ASK |
PLN 4,569.25 |
PLN 623.86 |
8.30% |
|
5. |
VeloBank |
Cash loan MEET OTHERS |
PLN 4,623.04 |
PLN 624.96 |
8.4% |
|
6. |
Postal Bank |
Loan for quick expenses MEET OTHERS |
PLN 4,857.61 |
PLN 629.75 |
8.82% |
|
7. |
BNP Paribas |
Cash loan MEET OTHERS |
PLN 4,917.89 |
PLN 631 |
8.94% |
|
8. |
Alior Bank |
Ultra Loan MEET OTHERS |
PLN 5,045.16 |
PLN 633.58 |
9.15% |
|
9. |
PKO Bank Polski |
Cash loan MEET OTHERS |
PLN 5,477.51 |
PLN 642 |
9.94% |
|
10. |
Bank Polskiej Spółdzielczości |
Promotion of the Safe Cash Your Plan loan MEET OTHERS |
PLN 5,991.74 |
PLN 637.89 |
11.15% |
|
11. |
ING Bank Śląski |
Cash loan MEET OTHERS |
PLN 6,085.02 |
PLN 654.80 |
11.02% |
|
12. |
mBank |
Cash loan MEET OTHERS |
PLN 6,821.38 |
PLN 669.82 |
12.35% |
|
13. |
Environmental Protection Bank |
Flexible Loan MEET OTHERS |
PLN 6,940.19 |
PLN 672.25 |
12.55% |
|
* |
48 installments PLN 623.74 and the last 49 installment PLN 623.75 |
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|
** |
PLN 633.58, last installment PLN 633.32 |
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Source: own study by Bankier.pl based on calculations received from banks |
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The leader of the April ranking is Citi Handlowy Bank with a Cash Loan for new customers. The total cost of the loan is PLN 4,553.95, and the monthly installment is PLN 624. The APR is 8.28%. An additional advantage for interested people is that there is no need to open a personal bank account to take advantage of the offer.
He took second place Santander Consumer Bank. Total cost Master cash loan is PLN 4,563.27, which is slightly more than in the case of the leader. The monthly installment is PLN 623.74 and the APR reaches 8.30%. It is worth adding that Santander allows you to take advantage of a one-month grace period in repayment of the loan.
The third place went to A loan cash available in Bank Millennium. The total cost of the loan is PLN 4,565.23, with a monthly installment of PLN 623.62. The APR is 8.3%. A potential customer can take advantage of the option of free withdrawal of funds at a bank branch.
Ranking of cash loans with insurance
The second part of the ranking concerns cash loans for PLN 26,000. PLN in the option with insurance. Here, too, the total cost of the obligation determines the place in the ranking.
|
Cash loan ranking of 26,000. PLN without insurance – April 2026 |
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|---|---|---|---|---|---|---|
|
No. |
Bank name |
Loan |
Total cost of the loan |
Installment |
Insurance |
APR |
|
1. |
Bank Polskiej Spółdzielczości |
Promotion of the Safe Cash Your Plan loan MEET OTHERS |
PLN 6,225.36 |
PLN 636.65 |
PLN 294.29 |
11.04% |
|
2. |
Postal Bank |
Loan for quick expenses MEET OTHERS |
PLN 6,605.90 |
PLN 666.28 |
PLN 2,041.34 |
11.96% |
|
3. |
Bank Pekao |
Express loan ASK |
PLN 7,207.40 |
PLN 599.70 |
PLN 3,822 |
13.08% |
|
4. |
BNP Paribas |
Cash loan MEET OTHERS |
PLN 7,465.89 |
PLN 682.98 |
n/a |
13.48% |
|
5. |
Santander Consumer Bank |
Master cash loan MEET OTHERS |
PLN 7,869.06 |
PLN 691.20 |
PLN 2,982.28 |
14.20% |
|
6. |
VeloBank |
Cash loan MEET OTHERS |
PLN 8,149.57 |
PLN 696.93 |
PLN 2,993.90 |
14.7% |
|
7. |
Bank Millennium |
Cash loan MEET OTHERS |
PLN 9,074.75 |
PLN 715.69 |
PLN 5,401.76 |
16.30% |
|
8. |
ING Bank Śląski |
Cash loan MEET OTHERS |
PLN 9,590.53 |
PLN 726.34 |
PLN 3,567.20 |
17.23% |
|
* |
48 installments PLN 691.2 and the last 49 installment PLN 691.46 |
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|
** |
PLN 715.69 including: PLN 605.45 and PLN 110.24 monthly insurance installment |
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Source: own study by Bankier.pl based on calculations received from banks |
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The podium in the variant with insurance opens Bank Polskiej Spółdzielczości with the offer “Safe Cash Your Plan”. The total cost of the loan is PLN 6,225.36, and the monthly installment is PLN 636.65. The cost of insurance is PLN 294.29 and the APR is 11.04%.
He is the runner-up Postal Bank with “Credit for quick expenses”. The total cost of the commitment is PLN 6,605.90, and the monthly installment is PLN 666.28. In this case, the cost of insurance is significantly higher and reaches PLN 2,041.34, which translates into an APR of 11.96%.
The offer came next Bank Pekao with Express Loan. The total cost of the loan is PLN 7,207.40, with a monthly installment of PLN 599.70. The cost of insurance is as much as PLN 3,822 and the APR is 13.08%.
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