zł 20,000 loan

Yes, if your loan application is approved, you can get a loan today. The loan application process generally takes less than 3 minutes, and you'll usually receive our decision in minutes as well.

You likely won't be eligible for a loan with Revolut if you have a bad credit history or current overdue debts. We'll run a credit check when you apply.

Here are some of the things we check for when you apply for a loan, although we may also consider other factors. To be eligible, you need to:

• be a Polish citizen
• be at least 18 years old
• have a good credit history
• submit your identity card or passport when you sign up for Revolut, not a driving licence

Find out more about loan eligibility in our Help Centre.

We carry out a credit check using a credit bureau. This will leave a search record on your credit bureau history and may impact your credit score.

You can apply for a loan with Revolut in just a few steps.

1. Download the Revolut app and sign up for an account.
2. Go to Accounts under your balance and tap Add new.
3. Tap Credit, then select Loans.
4. Fill out the online assessment and submit your application.
5. If your application is approved, review our loan offer. When you accept it, we'll add the money directly to your Revolut account.

If you're struggling to make a repayment or think you might struggle to do so in the future, please contact us via chat or email. We’re here to help, and we’ll discuss ways you can manage your repayments. If you miss a payment, you'll need to pay penalty interest. We may also report your missed payments to the credit bureau. This might show up in your credit file and negatively impact your credit history. We’ll update your file every month to reflect the status of your repayments and the amount you owe.

The maximum term for a Revolut loan in Poland is 120 months, but you can choose a shorter term and make early repayments without any penalty fees.

You’ll repay your loan in equal instalments on the same date every month throughout the term of the loan. We'll collect your first instalment one month from the date we paid the loan into your account. Your repayments will include both capital and interest. We’ll charge your repayments directly to your Revolut PLN account. If there's not enough money in your account and you've set up a backup card, we'll charge it to your card. Learn more about loan repayments in our Help Centre.

You can apply, but your application will likely be unsuccessful. You need eligible income to receive a Revolut loan. Read more about loan eligibility requirements in our Help Centre.