Can I get a loan with a temporary residence card?

Yes, some banks lend to holders of a temporary residence card. The bank looks at the card's validity period, the type of contract, income and BIK history. The decision is always made by the bank.

What documents are needed?

Usually a passport, residence card, PESEL, employment contract and proof of income. The exact list depends on the bank.

What is BIK and why check it?

BIK is the credit bureau in Poland. The bank checks it before making a decision, so we look at your history in advance to avoid submitting applications blindly.

What if a bank has already rejected me?

First we'll find out the reason: BIK history, type of contract, card validity. Often another bank with different requirements gives a positive decision. It's not worth applying to every bank in a row: every inquiry is visible in BIK.

Loans

Consumer loans and business loans for foreigners in Poland. We choose a bank that fits your type of residence card and employment contract.

Price: individual

Benefits

We work under a contract
Offers from several banks, not just one
We know what a bank needs from a foreigner
A physical office in Warsaw
We speak Ukrainian, Polish, Russian and English

Terms and pricing

Consumer loan

A cash loan for personal needs.

What's included · 4

Analysis of your situation: residence card, contract, income, BIK history
Choosing banks that work with your status
Preparing documents and submitting the application
Support until the bank's decision

Individual

Business loan

Financing for JDGs and sp. z o.o.

What's included · 4

Analysis of the company's financial figures
Choosing banks and offers
Preparing documents together with PhinanceX accounting
Submitting the application and support until the bank's decision

Individual

How the process works

01
Consultation
We go through the purpose of the loan, your income and documents.
02
Analysis and selection
We check your BIK history and choose banks that fit your status.
03
Application
We prepare the documents and submit the application.
04
Bank decision
We explain the terms of the agreement before you sign.