Lenders with no arrangement fee: Poland 2026 (4)

Lenders with no arrangement fee from our ranking (Poland), in Score order. No arrangement fee in the standard terms. Compare the full cost of the loan: the rate and other charges still matter.

Consumer loans in Poland 2026: licensed banks ranked

  1. 1

    Bank Millennium (loans)

    91/100
    Licensed since
    1989
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    111%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  2. 3

    Erste Bank Polska (loans)

    78/100
    Licensed since
    1989
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    122%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Publishes how to complain
    • No arrangement fee in the standard terms
  3. 4

    Bank Pekao (loans)

    73/100
    Licensed since
    1929
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    113%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Publishes how to complain
    • No arrangement fee in the standard terms
  4. 5

    VeloBank (loans)

    68/100
    Licensed since
    Not verified
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    64%
    • Published rate below the country reference
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain