First of all, the term “an unemployed person, without regular income” may cover many situations:

1) We do not have a job, but we receive a fixed income from various sources (flat rental, scholarship, donation, share dividend)

2) We do not have an official job – we just work “in black”

3) We do not have a job at all – neither official nor “black”

4) We work abroad, but we do not have the relevant supporting documents.

An important element is the story from a personal account. This is our business card for a financial institution. A bank account statement is a source of reliable information about our finances: what income affects the account, what we are maintaining, how much savings we have, what we spend money on, what liabilities we pay, etc.

A good statement can help us assess our creditworthiness. In turn, a bank account where you can not see any inflows or operations can effectively close the road to credit.



1. Rapida Money – new

  • Loan: from PLN 2,500 to PLN 25,000
  • Repayment: up to 48 months
  • Also for unemployed people
  • All over the Internet
  • Also with a negative credit history
  • One guarantee is enough

Submit an application

2. LendOn

  • Loan: from PLN 100 to PLN 5,000
  • First loan: up to PLN 2,500
  • Repayment: up to 45 days
  • Free loan for new customers
  • Also for unemployed people

Submit an application

3. Monedo Now

  • Loans from PLN 1,500 to PLN 10,000
  • Repayment in monthly installments
  • All over the Internet
  • Automatic decision
  • Money even in 15 minutes

Submit an application

4. Profi Credit

4. Profi Credit

  • A loan up to PLN 9,000
  • All you need is a statement of income
  • No additional certification
  • Also for people with a debt collector
  • Without checking BIK

Submit an application

5. Vivus – unemployment loan

5. Vivus - unemployment loan

  • Loans up to PLN 4,000
  • Free first loan up to PLN 1500
  • Repayment within 30 days
  • The possibility of extending the repayment
  • A loan decision with a loan

Submit an application

6. Kredito24

6. Kredito24

  • Loan up to PLN 3,000
  • Repayment within 30 days
  • Also for people without a fixed income
  • The loan is available via the Internet
  • Automatic loan decision

Submit an application


Can you get an unemployment loan only as evidence?

Unfortunately, this is not possible. All banks expect at least a statement of income, a history from a bank account or a certificate of employment. The loan after proof is available to the bank in which we have a personal account, but the basis for making the credit decision will be the analysis of the account.

On the other hand, unemployed people can get a loan via the Internet. We present all attractive offers above.

Where can you get an unemployment loan online?

The loan via the Internet is available, among others, at Alior Bank. The entire procedure takes place online, without leaving your home. The offer of Kredito24 and looks similar – both loan companies provide loans only via the Internet.

What is the difference between a loan for indebted persons and an unemployment loan?

A loan for indebted users is a collective name of products addressed to people who have difficulties with timely repayment of their obligations. This in turn affects the negative entries in the debtors’ registers, and above all in the Credit Information Bureau (BIK). Whether or not we receive a bank loan depends mainly on the number of days of delays in repayment of the loan.

The worst situation is people who have already terminated loan / loan agreements, and the case went to the court bailiff. This practically ultimately closes the road to receiving a bank loan.

However, the unemployment loan is intended for people who can not show an official document of their employment or who are not at all unemployed. This does not mean, however, that such people are overly indebted and have negative entries in BIK and business information bureaus. Theoretically, it will be easier for them to obtain a low loan in the Bank granted only for a statement or loan via the Internet, where no certificate of employment is required at all.

How to get an unemployment loan in Rapida Money

1. We select the loan amount and the repayment period.

2. We fill out a short loan application.

3. A loan decision and the payment of money to a bank account.

How to get a loan for the unemployed at SMART Bank

1. We fill out the loan application – entirely via the Internet.

2. Automatically receive the initial credit decision.

3. We approve the agreement by email and a verification transfer in the amount of PLN 0.01.

4. Payment of money to the account.

We do not need any income certificates up to PLN 3,900.

How to get an unemployment loan in Monedo Now

1. Choose the amount of the loan and the number of monthly installments.

2. We fill out the loan application.

3. Verification of our creditworthiness by logging in to your bank account.

4. The loan decision and the payment of money to the account.

Representative examples

1) SMART Bank

A representative example for SMART Cash Loan: loan amount PLN 12,000, duration of the contract 36 months, monthly installments equal to PLN 410.44, annual nominal interest rate 10%. Commission for granting a loan of 6% on the loan amount, the actual annual interest rate on the loan 15.28%, the total amount to be paid by the borrower PLN 14775,79. Done on the basis of proprietary information dated 2015-09-22.

2) Monedo Now

Examples of loan costs: loan amount PLN 4,000, fees PLN 1086, interest PLN 84. In total, PLN 5,170, APRC Max 250%.


A representative example for the first loan: Actual Annual Interest Rate (APZ) is 0% assuming: total loan amount PLN 1200; the total amount to be repaid is PLN 1,200; fixed interest rate 0% per year; total cost of the loan PLN 0; contract for 30 days. A representative example for another loan: Actual Annual Interest Rate (APZ) is 490.0% assuming: total loan amount PLN 1700; the total amount to be repaid is PLN 1967; fixed interest rate on an annual basis of 10%; the total cost of the loan is PLN 267 (including: commission PLN 253, interest PLN 14); contract for 30 days. As of 04/07/2016. The granting of the loan depends on the result of the applicant’s creditworthiness assessment.

4) Kredito24

Representative example: loan PLN 1200, fees PLN 332.88. Total for repayment of PLN 1532,88. APR 3468%.

5) Profi Credit

The total amount of the loan – PLN 4,000; the annual interest rate on the loan is 9.82%; the total cost of the loan, which amounts to PLN 4,520.00, consists of: preparation fee – PLN 129.00, commission – PLN 3261.00, interest rate – PLN 530.00, “Your Package” – PLN 600.00; annual real interest rate on the loan – 96.27%; contract payable in 30 monthly installments of PLN 284.00 each; the total amount to be paid by the consumer – PLN 8520.00.