+48 531 937 973
kredity.pl@gmail.com
kredity.pl@gmail.com
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Cash Loan in Poland
Sooner or later, everyone faces circumstances where the need for additional funds arises to realize plans or resolve urgent matters. In such situations, a cash loan becomes an optimal solution.
To obtain a cash loan, a foreigner needs a PESEL number and a verified income. Banks check the type of employment and the history of salary payments. Individuals working under an employment contract who receive their salary into a Polish bank account have the highest chances of approval.
The loan amount can range from a few thousand to several hundred thousand zlotys, depending on several factors, primarily the borrower's income. The interest rate consists of a base rate and the bank's margin, and it may also include fees for loan issuance or insurance.
A credit history in Poland plays an important role. If the borrower has previously used banking products and met their obligations on time, this increases the likelihood of application approval and obtaining better terms.
To obtain a cash loan, a foreigner needs a PESEL number and a verified income. Banks check the type of employment and the history of salary payments. Individuals working under an employment contract who receive their salary into a Polish bank account have the highest chances of approval.
The loan amount can range from a few thousand to several hundred thousand zlotys, depending on several factors, primarily the borrower's income. The interest rate consists of a base rate and the bank's margin, and it may also include fees for loan issuance or insurance.
A credit history in Poland plays an important role. If the borrower has previously used banking products and met their obligations on time, this increases the likelihood of application approval and obtaining better terms.
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1. Privacy Policy and Terms of Service
This document defines how personal data of users of https://kredity.pl and Biały Pies Sp. z o. o. social media pages is processed and protected, in accordance with Regulation (EU) 2016/679 (GDPR).
Biały Pies Sp. z o. o. provides credit consulting for foreigners in Poland. The company is not a bank, lender, or financial institution and does not guarantee loan approval.
2. Data Controller
Biały Pies Sp. z o. o.
UL. KROWODERSKA 3 / 1, 31-141 KRAKÓW
NIP: 6772394321
REGON: 362814498
Email: kredity.pl@gmail.com
3. Sources and categories of data
Data may be obtained:
4. Purposes and legal bases
4.1. Contract — Art. 6(1)(b) GDPR.
4.2. Legitimate interest — Art. 6(1)(f) GDPR:
5. Recipients
6. Transfers outside the EU
Data may be transferred to third countries, including the USA, under Standard Contractual Clauses (Art. 46 GDPR).
7. Retention periods
8. User rights
9. Cookies
The site uses cookies for operation, analytics (with consent), and marketing (with consent).
10. Data provision
Providing data is voluntary; some features may be unavailable without it.
11. Updates
Biały Pies Sp. z o. o. may amend this document. The current version is always on the website.
12. Limitation of liability
12.1. Information is general and not official bank or government advice.
12.2. The company is not liable for:
12.3. Not liable for user actions, inaccurate user data, or independent use of information.
12.4. Not liable for third parties or outages of FormSubmit.co, OpenAI, Google, hosting, CRM.
12.5. Not liable for downtime or technical failures.
12.6. Liability limited to direct damages as permitted by law.
Last updated: 15 July 2026.
This document defines how personal data of users of https://kredity.pl and Biały Pies Sp. z o. o. social media pages is processed and protected, in accordance with Regulation (EU) 2016/679 (GDPR).
Biały Pies Sp. z o. o. provides credit consulting for foreigners in Poland. The company is not a bank, lender, or financial institution and does not guarantee loan approval.
2. Data Controller
Biały Pies Sp. z o. o.
UL. KROWODERSKA 3 / 1, 31-141 KRAKÓW
NIP: 6772394321
REGON: 362814498
Email: kredity.pl@gmail.com
3. Sources and categories of data
Data may be obtained:
- via contact forms (processed through FormSubmit.co);
- via the AI chat (phone number, messages, chat transcript);
- via messengers (WhatsApp, Telegram, Viber, Messenger);
- through social media interactions;
- automatically via cookies and analytics tools.
4. Purposes and legal bases
4.1. Contract — Art. 6(1)(b) GDPR.
4.2. Legitimate interest — Art. 6(1)(f) GDPR:
- responding to inquiries;
- storing correspondence and chat history;
- CRM and contact history;
- evidentiary basis;
- staff training and quality control.
5. Recipients
- CRM, hosting, and IT providers;
- FormSubmit.co;
- OpenAI (AI chat processing);
- Google analytics services.
6. Transfers outside the EU
Data may be transferred to third countries, including the USA, under Standard Contractual Clauses (Art. 46 GDPR).
7. Retention periods
- form data — up to 3 years from last contact;
- AI chat transcripts — up to 12 months;
- CRM data — up to 3 years;
- analytics/cookies — until consent is withdrawn.
8. User rights
- access (Art. 15);
- rectification (Art. 16);
- erasure (Art. 17);
- restriction (Art. 18);
- portability (Art. 20);
- objection (Art. 21);
- withdraw consent (Art. 7);
- complaint to UODO (Art. 77).
9. Cookies
The site uses cookies for operation, analytics (with consent), and marketing (with consent).
10. Data provision
Providing data is voluntary; some features may be unavailable without it.
11. Updates
Biały Pies Sp. z o. o. may amend this document. The current version is always on the website.
12. Limitation of liability
12.1. Information is general and not official bank or government advice.
12.2. The company is not liable for:
- bank decisions to approve or reject credit;
- bank terms, rates, and requirements;
- bank processing times;
- changes in bank policy or legislation.
12.3. Not liable for user actions, inaccurate user data, or independent use of information.
12.4. Not liable for third parties or outages of FormSubmit.co, OpenAI, Google, hosting, CRM.
12.5. Not liable for downtime or technical failures.
12.6. Liability limited to direct damages as permitted by law.
Last updated: 15 July 2026.