Need a hand?

Revolut offers unsecured personal loans of PLN500–PLN150,000. You can apply for and manage your loan through the Revolut app.

Personal loan conditions, including interest rates, will depend on your individual circumstances and risk profile. You need to submit an application in-app to get a loan offer. You'll be able to review the final offer before accepting the loan.

• You have a Polish ID or passport
• You have a PESEL number and can prove it with a valid document (Polish passport or Polish ID card)
• You permanently live in Poland and your current address is linked to your Revolut account
• You're at least 18 years old
• You have a regular, sustainable, and verifiable income
• You have a local mobile phone number linked to your Revolut account
• You have no negative balances in your Revolut account and no overdue commitments to third parties
• You have no missing account details

• Go to 'Home' on the bottom menu
• Below your balance, tap 'Accounts'
• Select 'Add new'
• Select Personal loan
• Fill out the application
• Link your salary bank account via secure Open Banking. If you can't find your bank or your bank is Revolut, select 'Other bank'
• If requested, submit documents for manual review

Once you submit your application, we'll carry out credit checks to determine if your request meets our lending policy. If we need more information, we'll reach out via email. If we need additional documents, you'll be able to submit them in-app. You should get a decision within 5 business days.

Personal loan applications are reported to the Credit Bureau and can impact your credit score.

If your loan is approved, your offer may be different to what you applied for. You'll be able to review the terms and accept, reject, or edit the offer. You need to finalise the process by:

• Viewing the offer
• Editing the offer (if needed)
• Reading the pre-contractual documentation
• Accepting the offer by signing the loan agreement in-app
• The disbursement will be available in your Revolut account immediately

When reviewing your application, we consider your existing financial obligations, expenses, and income. If we find that the amount and term you initially asked for may lead to financial difficulties, we'll adjust the offer. Our decision is final and can't be changed by our customer support agents.