Requirements From Foreigners
To get a loan we need from You:
1.
Identification:
- Residence Card (may be temporary) or
- Passport or
- Certificate of EU Citizen
2.
Source of income:
- Contract of employment - since 3 months at minimum
- Contract of mandate - since 6 months at minimum
- If your employment period is (*slightly) shorter, please contact us. We will try to find the right solution together.
3.
Age:
- You are at least 21 but not older than 70 years of age Passport
Loan amount up to 150,000 PLN
loan period up to 120 months

Quick decision
Credit decision even on the same day
Online service possible
High loan amounts
Minimum formalities
Customers from all over Poland
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Habza Finanse Advisors
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Daniela Covarrubias

Vitalij Fesenko
Frequently Asked Questions
Yes, foreigners can apply for a loan in Poland. However, there are certain requirements, such as having legal residence and earning income within Poland.
To apply for a loan, you will need your passport, residence card, proof of income, and a document confirming your employment. Additionally, banks may request your PESEL number and proof of your address in Poland.
Having a residence card is essential for obtaining a loan. Especially for larger amounts, banks require it as confirmation of legal residence in Poland. The situation is different for loans from non-bank institutions.
Yes, foreigners can apply for a mortgage in Poland. However, additional requirements apply, such as having at least a 20% down payment and proving stable income.
A PESEL number is required by most banks for identity verification and tax purposes. If you don’t have one, you can easily obtain it at your local municipality office.
Yes, a down payment is required, usually around 20% of the property’s value. Banks may ask for a higher down payment, especially for foreigners who don’t yet have a full credit history in Poland.
Most banks will check your credit history, but if you don’t have one in Poland, some banks may accept a credit history from another country. In that case, you will be asked to provide additional documents to verify your income and financial situation.
Many banks require income earned in Poland, but some institutions may accept income from abroad. If so, you’ll need to provide additional documents, such as proof of income from abroad and translated documents.
Yes, foreigners working abroad can apply for a loan in Poland. Banks may ask for additional documents, such as an employment certificate, proof of income, and bank statements showing deposits to your Polish account.
Yes, it’s possible, but in such cases, banks may ask for additional documents, such as proof of your stay or financial stability in Poland. Not being registered may lengthen the processing time for your loan application.
Representative example
- The maximum Actual Annual Interest Rate (APR) is 8.68%. The content comes from habza.com.pl
- The total amount of the consolidation loan for the repayment of payday loans (without credited costs): PLN 49,999.00.
- The total cost of the loan for the repayment of payday loans: PLN 13,732.85. (including: commission for granting a consolidation loan for the repayment of payday loans PLN 499.99, interest on the loan for the repayment of payday loans PLN 13,232.86, costs of additional services PLN 0, collateral costs PLN 0).
- Total amount to be paid: PLN 63,731.85.
- The commission for granting a loan for the repayment of payday loans is credited. Nominal interest rate 7.99%, 72 monthly installments of PLN 885.16.
- Loan period from 3 to 144 months.