Loan calculators

Loans in Poland 2026

When taking a loan in Poland you face a fundamental choice between annuity (equal) and decreasing instalments. With annuity payments the monthly amount is fixed throughout the repayment period, though the split between interest and principal shifts over time in favour of principal. Decreasing instalments start higher but cost less in total because capital is repaid faster and less interest accrues. APR (Annual Percentage Rate, called RRSO in Poland) is the most reliable comparison metric — it captures the nominal interest rate, origination fee and mandatory insurance in a single annual percentage. Always compare APR across lenders rather than the nominal rate alone, since banks are legally required to disclose it. Creditworthiness depends on net income, existing debt obligations, the bank's DTI (debt-to-income) ratio, BIK credit history and employment stability. Most Polish banks cap total instalments at 40–50% of net income. WIBOR (Warsaw Interbank Offered Rate) — or its successor WIRON — is the reference rate underpinning variable-rate loans. When central-bank rates rise, WIBOR rises and so does your instalment; our WIBOR simulation calculator lets you stress-test your budget against rate changes. Loan overpayment reduces the outstanding principal on which interest is charged. Our calculators let you compare two overpayment strategies: shortening the loan term or reducing the monthly instalment. Use the tools below to make informed borrowing decisions.