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Debt Consolidation Loans Bad Credit

Online Consolidation Loan | The best offers up to PLN 200,000

Only a few banks offer online consolidation loan. What is it about? We settle all paperwork without visiting a bank branch. The maximum amount of consolidation is even PLN 200,000. Check the best offers.

Who is the consolidation loan via the Internet for?

Many customers are considering combining several loan / credit installments into one. Consolidation is a chance to extend the repayment period, thanks to which the monthly installment decreases. By choosing a new loan, many customers also decide to pay extra cash.

The most important advantage of a consolidation loan via the Internet is the ability to settle all formalities from home, without a visit to the branch. How does it look in practice?

On the bank’s website, we select the loan amount and the repayment period. In the application, we indicate all our data and data on consolidated liabilities (depending on the bank). The bank contacts us and determines the details of the offer. In the case of a positive decision, the money is paid directly to our bank account or another bank account.

ONLINE CONSOLIDATION LOAN – RANKING

1. Consolidation loan for Callcredit bank

1. Consolidation loan for Callcredit bank

  • Consolidation loan: up to PLN 200,000
  • Repayment: up to a maximum of 10 years
  • Available loan calculator
  • Automatic initial credit decision
  • Payment of money even in 1 day
  • APRC 14,29%

The most commonly chosen online consolidation loan. The subject of consolidation may be cash loans, installments, credit cards or other liabilities.

2. Meteor Bank’s consolidation loan

2. Meteor Bank

  • Consolidation amount: up to PLN 200,000
  • Repayment: up to a maximum of 5 years
  • All over the Internet
  • Fast credit decision
  • Minimal formalities
  • APRC 13.7%

Money from consolidation is paid within 1 day of the conclusion of the contract. The cost of the loan is PLN 6 per month for each borrowed PLN 1000.

3. Bankate

3. Bankate

  • Consolidation amount: up to PLN 230,000
  • Repayment: up to a maximum of 10 years
  • All without leaving your home
  • Promotional credit terms
  • Quick payment of the loan
  • APR 7.78%

Fast consolidation loan at Bankate. The promotional interest rate only applies until June 30, 2019.

4. Lapuda Cash

4. Lapuda Cash

  • Consolidation amount: up to PLN 25,000
  • Repayment: up to a maximum of 5 years
  • For people with bad credit history
  • No income statements
  • Required guarantor
  • APRC 62.41%

Lapuda Cash is an offer for people who need consolidation but have a negative credit history at BIK. All over the Internet, but a guarantor is required.

5. Finance Colt

5. Finance Colt

  • Consolidation amount: up to PLN 50,000
  • Repayment: up to a maximum of 7 years
  • Just an account statement
  • Without the consent of the spouse
  • Offers from several banks
  • APRC from 17,3%

Finance Colt is a credit platform. Through it, we can take credit via the Internet at Nest Bank, Credit Agricole, Eurobank or Inbank.

REPRESENTATIVE EXAMPLES

REPRESENTATIVE EXAMPLES

1) Callcredit Banking Services

Representative example: Actual Annual Interest Rate (APRC): 14.29%, total loan amount: PLN 56 491.61 (without credited costs), fixed interest rate: 9.99%, total payment amount: PLN 92 242.14, the total cost of the loan: PLN 35 750.53 (including: commission PLN 6,974.98, interest: PLN 28.775,55), 96 equal monthly installments in the amount / PLN 960.85. The calculation was made on 05/12/2018 on a representative example. The final loan terms depend on the customer’s creditworthiness, the date of loan payment and the date of payment of the first installment.

2) Meteor Bank

Representative Example: The Actual Annual Interest Rate (APY) for a Loan with Micro-bunches amounts to 13.7%, the total amount of the loan (without credited costs): PLN 17 900, total amount to be paid: PLN 23 591.26, fixed interest: PLN 9.43 %, total cost of the loan: PLN 5691.26 (including commission: PLN 1326.64 (6.9%), interest: PLN 4364.62), 53 equal, monthly installments in the amount of PLN 445.12. The calculation was made on 6.03.2019 on a representative example. Loan period: minimum 24 months, maximum 60 months. PLN 6 is the average monthly cost over the entire loan period for each PLN 1,000 borrowed.

3) Bankate

Representative example: Actual Annual Interest Rate (APRC) is 7.78%, total loan amount (excluding credited costs) PLN 66, 64.80, total amount to be paid PLN 90,134.83, variable interest rate on an annual basis 6.89% ( is the sum of the NBP reference rate, which as at 12/11/2018 is 1.50% and the bank’s margin of 5.39 pp), the total cost of the loan is PLN 23 488.03 (including: commission PLN 1,353.20, interest PLN 22 134.83), contract concluded for a period of 101 months, 100 monthly installments equal to PLN 892.59, last installment PLN 875.83. The calculation was made on November 12, 2018 on a representative example.

4) Lapuda Cash

Representative example: you borrow PLN 25,000 for 48 months, paying PLN 1204.12 per month, the total amount to be paid PLN 57,777,60. Commission for the loan: PLN 25,000. Fixed interest rate: 10%, APRC: 62.41%

5) Finance Colt

Representative example: Actual Annual Interest Rate (APRC) is equal to 17.4%, total loan amount (without credited costs) PLN 8,900, total amount to be paid PLN 11,359.57, fixed interest rate 8.99%, total loan cost PLN 2,459 PLN 57 (including: preparation fee PLN 100, commission PLN 888.89, interest PLN 1470.07), 37 monthly equal installments of PLN 307.02. The calculation was made on 25/09/2018 on a representative example.