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Loans in Poland for Foreigners

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    Requirements From Foreigners

    To get a loan we need from You:

    1.

    Identification:

    2.

    Source of income:

    3.

    Age:

    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

    Including without leaving the home, 100% remotely

    High loan amounts

    Maximum amounts available for foreigners

    Minimum formalities

    Documentation limited to the necessary minimum

    Customers from all over Poland

    We serve clients throughout Poland

    High availability

    Over 92% positive credit decisions

    Habza Finanse Advisors

    Specialists with many years of experience will answer all your questions and obtain the best loan

    Marceli

    Credit expert

    Piotr

    Credit expert

    Opinions

    Check the opinions of people whom we helped in obtaining a loan on attractive terms.

    Daniela Covarrubias

    5/5
    Time was important to me, but I did not want to overpay on the loan. Thanks to the help of advisers, it turned out that a quick and beneficial loan is possible.

    Vitalij Fesenko

    5/5
    Thank you for your patience and for guiding me step by step through the entire loan application process. I heartily recommend!

    Piszą o nas

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    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

    We do not grant credits and loans from our own resources. We do not act as an intermediary in obtaining short-term loans without creditworthiness with a repayment period of the entire amount of up to 60 days (or less). Representative example: loan amount without creditworthiness – PLN 60,000, commission – 5%, nominal interest – 5.99%, maximum Actual Annual Interest Rate (APR) – 7.37%; total loan amount (without credited costs) – PLN 60,000, total cost of the loan for you – PLN 23,893 (including: commission for granting the loan PLN 3,000, interest on the loan PLN 20,893, costs of additional services PLN 0, security costs 0 ), total amount to be paid – PLN 83,893; commission for granting the loan, credited, nominal interest rate 5.99%, 120 monthly installments equal to PLN 699.11; the minimum repayment period – 4 months, the maximum repayment period – up to 120 months. We are a credit broker. We do not charge prepayments. Our commission is payable only when receiving the loan and amounts to a maximum of 19% of the loan amount.