+48 531 937 973
kredity.pl@gmail.com
kredity.pl@gmail.com
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Credit consultants for foreigners in Poland
We are credit consultants specializing in serving foreigners in Poland. We help you get a mortgage, cash loan or business loan — from eligibility check to bank approval.
The most important factor they look at is a stable and verified income, as the bank needs to be confident in your ability to service the loan over a long period; therefore, official employment and regular income are critical. In addition to income, your legal status in the country is of significant importance. Although having a residency permit (karta pobytu), whether temporary or permanent, is a major advantage that significantly increases your chances of success, some banks may consider applications under other conditions as well.
Since every situation must be evaluated individually, we will analyze your situation in detail and select the optimal loan terms specifically for you.
The most important factor they look at is a stable and verified income, as the bank needs to be confident in your ability to service the loan over a long period; therefore, official employment and regular income are critical. In addition to income, your legal status in the country is of significant importance. Although having a residency permit (karta pobytu), whether temporary or permanent, is a major advantage that significantly increases your chances of success, some banks may consider applications under other conditions as well.
Since every situation must be evaluated individually, we will analyze your situation in detail and select the optimal loan terms specifically for you.
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FAQ
- What is the cost of our services?Credit consultant services for foreigners are free for the client – the bank pays the commission after the loan agreement is signed.
- How quickly can I receive a decision from the bank?The processing time for an application depends on the chosen bank and the completeness of the documents provided. Usually, the initial review takes from a few days to two weeks. We do everything possible to accelerate this process and minimize waiting time.
- Can I get a loan if I work based on an Umowa Zlecenie?Yes, it is possible. Although many banks prefer Umowa o pracę (employment contract), some of them consider income from Umowa zlecenie (civil law contract) or Umowa o dzieło (contract for specific work) if you have been working with the same contractor for a long time and have stable income. We will help you choose a bank with the most favorable conditions for your type of contract.
- Does the expiration date of the residency permit (karta pobytu) affect the possibility of getting a loan?Yes, the validity period of the card matters. Most banks require the card to be valid for a certain period (usually 6 to 12 months) at the time of application. However, in some cases, you can get a loan even with a shorter validity period if you have already submitted documents for renewal and have proof (a stamp in your passport).
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.