{"id":24,"date":"2024-04-10T08:56:50","date_gmt":"2024-04-10T08:56:50","guid":{"rendered":"https:\/\/kontomierz.pl\/blog\/?page_id=24"},"modified":"2026-08-19T12:17:48","modified_gmt":"2026-08-19T12:17:48","slug":"bez-bik","status":"publish","type":"page","link":"https:\/\/kontomierz.pl\/blog\/pozyczki\/bez-bik\/","title":{"rendered":"Po\u017cyczki bez BIK &#8211; 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Odmowa kredytu w banku nie zamyka drogi do finansowania, ale problem, kt\u00f3ry j\u0105 spowodowa\u0142, nie zniknie po wpisaniu w wyszukiwark\u0119 has\u0142a \u201epo\u017cyczka bez BIK\u201d. Firmy po\u017cyczkowe rzeczywi\u015bcie mog\u0105 sprawdza\u0107 wnioskuj\u0105cych w innych rejestrach ni\u017c Biuro Informacji Kredytowej \u2013 prawo im tego nie zabrania. Nie mog\u0105 natomiast po\u017cyczy\u0107 Ci pieni\u0119dzy bez \u017cadnej analizy: od 18 maja 2023 r. instytucja po\u017cyczkowa udziela kredytu wy\u0142\u0105cznie po pozytywnej ocenie zdolno\u015bci kredytowej. Poni\u017cej wyja\u015bniamy, co realnie kryje si\u0119 za ofertami bez BIK, ile taka po\u017cyczka mo\u017ce kosztowa\u0107 i jak sprawdzi\u0107 firm\u0119, zanim podpiszesz umow\u0119.<\/strong><\/p>\n\n\n    <style type=\"text\/css\">\n        .ranking-table__row--highlighted::before {\n            content: \"Promocja\";\n        }\n    <\/style>\n\n    <div class=\"js-finelf-ranking js-finelf-ranking-21\"\n            >\n        \n        \n        <div class=\"finelf-ranking \">\n            <div class=\"ranking-container\">\n                \n                <div class=\"finelf-ranking-date\">\n    <div class=\"finelf-ranking-date__left\">Ostatnia aktualizacja: <span>26 sierpnia, 2026<\/span><\/div>\n<\/div>\n\n                <table class=\"ranking-table\">\n                    <tbody class=\"js-ranking-table\">\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1147\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka ratalna Creditstar<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/k24eqlzoa49szp4iyveyor.png\" alt=\"Creditstar Poland Sp. z o.o. - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 000 - 50 000 z\u0142                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>1000-2000 - 6-24 miesi\u0105ce <br>\n3000-4000 - 6-36 miesi\u0105ce<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        6 - 72 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        95 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/credit-star\/pozyczka?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=1&offer_id=1147&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Creditstar Poland Sp. z o.o. - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-1\"\n        data-product=\"po\u017cyczki ratalka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1120\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Broker po\u017cyczkowy Flotino<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/04\/0hyk66rybyd0zwm3r6ipj7.png\" alt=\"Flotino - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 15 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        62 - 120 dni            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>W ofercie r\u00f3wnie\u017c darmowe po\u017cyczki dla Nowych Klient\u00f3w<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        88 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pozyczka-ratalna\/flotino?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=2&offer_id=1120&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Flotino - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-2\"\n        data-product=\"po\u017cyczki pingtree\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"319\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Supergrosz<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/por5khyer0k7n1gidlx1rs.png\" alt=\"Super Grosz - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 000 - 30 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        4 - 50 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        86 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/supergrosz?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=3&offer_id=319&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Super Grosz - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-3\"\n        data-product=\"po\u017cyczki ratalka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1291\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">InstaFin<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2026\/08\/q0lyk293idhj9x5dkanc.jpeg\" alt=\"InstaFin - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 5 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Reprezentatywny przyk\u0142ad:\nca\u0142kowita kwota po\u017cyczki 5000 z\u0142,\nczas obowi\u0105zywania umowy 30 dni,\nroczne oprocentowanie nominalne\n0%, prowizja 0 z\u0142, \u0142\u0105czna kwota\nodsetek: 0 z\u0142, Rzeczywista Roczna\nStopa Oprocentowania (RRSO) 0%,\nca\u0142kowita kwota do sp\u0142aty: 5000 z\u0142,\nca\u0142kowity koszt po\u017cyczki 0 z\u0142.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        86 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pozyczki\/instafin?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=4&offer_id=1291&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"InstaFin - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-4\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"322\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Wandoo<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/k8hn905u5pdbh9w1648l.png\" alt=\"Wandoo - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 5 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        91 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/wandoo?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=5&offer_id=322&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Wandoo - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-5\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"971\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Broker Po\u017cyczkowy Rata Pro<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/kgwfsufgppk17h4n94ck0v.jpeg\" alt=\"RataPro - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 000 - 60 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        3 - 48 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        74 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pozyczka\/ratapro?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=6&offer_id=971&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"RataPro - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-6\"\n        data-product=\"po\u017cyczki pingtree\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"325\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Smart Po\u017cyczka<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/4g57n78ajt5t8mdtqq8k2c.jpeg\" alt=\"Smart Po\u017cyczka - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 8 000 z\u0142                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>do 8000 z\u0142 darmowa<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        65 dni            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>od 300 z\u0142 do 8000 z\u0142<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        91 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/smartpozyczka?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=7&offer_id=325&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Smart Po\u017cyczka - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-7\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"654\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Broker po\u017cyczkowy Cashtero<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/cashtero.png\" alt=\"Cashtero - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 10 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        61 - 90 dni            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        87 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pozyczka\/cashtero?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=8&offer_id=654&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Cashtero - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-8\"\n        data-product=\"po\u017cyczki pingtree\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"302\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Po\u017cyczka Plus<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/47l1rhgu5di6qlwo4mbucj.jpeg\" alt=\"Po\u017cyczka Plus - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 8 000 z\u0142                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>od 2100 do 8000 z\u0142 za darmo<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Od 2100 z\u0142 do 8 000 z\u0142 <\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        89 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pozyczkaplus?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=9&offer_id=302&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Po\u017cyczka Plus - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-9\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1025\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Funeda<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/qgdo5bwodiygja7nlmb7c.png\" alt=\"Funeda - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 100 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 - 120 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Zale\u017cnie od oferty po\u017cyczkodawcy<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        95 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/funeda\/pozyczki?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=10&offer_id=1025&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Funeda - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-10\"\n        data-product=\"po\u017cyczki pingtree\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"298\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Smartney<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/n8xpwl7gx8fllh35ibsog.png\" alt=\"Smartney - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 000 - 150 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        6 - 120 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        78 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 kredytu liczona jest na podstawie liczby kredyt\u00f3w udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/smartney?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=11&offer_id=298&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Smartney - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-11\"\n        data-product=\"kredyt got\u00f3wkowy\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"138\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Broker po\u017cyczkowy Kredyt Dla Zad\u0142u\u017conych<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/4wcrpazbbhjmh6722rsqu.png\" alt=\"Kredyt-dla-zadluzonych.pl - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 100 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        2 - 120 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        95 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/kredytdlazadluzonych?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=12&offer_id=138&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Kredyt-dla-zadluzonych.pl - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-12\"\n        data-product=\"po\u017cyczki pingtree\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1220\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Binixo - broker po\u017cyczkowy<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/06\/yf0ftl4vwjvkx0i8wopt.png\" alt=\"Binixo - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 10 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 - 120 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        80 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pozyczka\/binixo-broker?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=13&offer_id=1220&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Binixo - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-13\"\n        data-product=\"po\u017cyczki pingtree\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"295\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Miloan<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/miloan-150x47.png\" alt=\"Miloan - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 3 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        88 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/miloan?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=14&offer_id=295&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Miloan - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-14\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1284\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Poozyczka<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2026\/08\/mg2de6tq2qroae8u7702.png\" alt=\"Poozyczka.pl - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 100 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        2 - 120 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        95 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pozyczki\/poozyczka?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=15&offer_id=1284&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Poozyczka.pl - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-15\"\n        data-product=\"po\u017cyczki pingtree\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"889\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/scbiimjcpd7zaf9f2i8hd.png\" alt=\"Crezu - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 5 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        15 - 60 dni            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>zale\u017cnie od oferty po\u017cyczkodawc\u00f3w<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        70 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/crezu\/szybkapozyczkaonline?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=16&offer_id=889&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Crezu - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-16\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"301\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Vivigo (dawniej Vivus)<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2026\/08\/apw6my09nnm7rwyvxyrp.jpeg\" alt=\"Soonly Finance - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 4 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        61 dni                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Okres sp\u0142aty wynosi 61 dni przy pierwszej po\u017cyczce - kolejne 30 dni <\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Do 4000 z\u0142 <\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        90 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/vivus?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=17&offer_id=301&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Soonly Finance - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-17\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"277\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2026\/08\/7v733mljm4ifox7oob09sf.png\" alt=\"KredytOK - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 000 - 20 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        6 - 36 mies.                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>6, 12, 18, 24, 30, 36 rat<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        91 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/kredytok?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=18&offer_id=277&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"KredytOK - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-18\"\n        data-product=\"po\u017cyczki ratalka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"327\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Wonga<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/Wonga.png\" alt=\"Wonga - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 6 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        61 dni            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>dla ka\u017cdego klienta za darmo do 6000 z\u0142 na 61 dni<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        74 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/wonga?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=19&offer_id=327&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Wonga - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-19\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1151\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Oros.pl<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/oros.png\" alt=\"Oros - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 7 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>do 5000 z\u0142<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        85 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/czs-form\/oros?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=20&offer_id=1151&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Oros - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-20\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"882\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/04\/dxsd8fapzugz6w6f4s9fa.png\" alt=\"ByCard - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 10 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 - 12 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        55 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/bycard\/pozyczka?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=21&offer_id=882&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"ByCard - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-21\"\n        data-product=\"karta kredytowa\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"274\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/vxk2c9ystuhxbszt0akrlf.png\" alt=\"Finbo - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 7 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>0 z\u0142 przy pierwszej darmowej po\u017cyczce na kwot\u0119 7000 z\u0142<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        74 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/finbo?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=22&offer_id=274&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Finbo - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-22\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"970\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa EkspresPo\u017cyczka<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/zzv3xe0jq1a8txchw8w59g.png\" alt=\"Ekspres Po\u017cyczka - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 8 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>darmowa po\u017cyczka na 500 i 5000 z\u0142 - promocja<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        91 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/ekspres-pozyczka\/chwilowka?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=23&offer_id=970&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Ekspres Po\u017cyczka - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-23\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1222\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa EasyPLN<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/08\/3yxhf0akfka050m0isf0lhc.png\" alt=\"EasyPLN - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 10 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 - 3 mies.                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Mo\u017cliwy okres sp\u0142aty: 30 dni lub 3 miesi\u0105ce<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Na 30 dni<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        89 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pozyczki\/easypln?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=24&offer_id=1222&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"EasyPLN - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-24\"\n        data-product=\"po\u017cyczki ratalka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"332\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Szybka Got\u00f3wka<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/szybkagotowka.png\" alt=\"Szybka Got\u00f3wka - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        700 - 5 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        7 - 65 dni            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        72 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/szybkagotowka?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=25&offer_id=332&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Szybka Got\u00f3wka - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-25\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"623\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa Feniko<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/iex9hxz83ceg5tju7hpec.png\" alt=\"Feniko - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        300 - 7 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        7 - 61 dni                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>30 dni\n61 dni\n2 raty<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Do 5 000 z\u0142 <\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        93 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/feniko?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=26&offer_id=623&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Feniko - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-26\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1159\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Pewna Po\u017cyczka<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/6k72rmdrfxfta8rweb9zub.png\" alt=\"Pewna Po\u017cyczka - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 10 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 - 6 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Dost\u0119pne darmowe po\u017cyczki u po\u017cyczkodawc\u00f3w<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        92 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.\t\n<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pewna-pozyczka?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=27&offer_id=1159&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Pewna Po\u017cyczka - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-27\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"782\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Wirtualna karta kredytowa Netcredit<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/rusih6jd1jq7ywy298eil.png\" alt=\"Net Credit - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 20 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 - 12 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Pierwsze 30 dni dla nowego klienta RRSO 0%<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        80 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/net-credit\/wirtualna-karta-kredytowa?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=28&offer_id=782&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Net Credit - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-28\"\n        data-product=\"karta kredytowa\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1280\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">JuzPieniadze - broker po\u017cyczkowy<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2026\/08\/vxymmqehmm81r5ar5f4vlc.png\" alt=\"JuzPieniadze - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 150 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 - 120 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        75 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/pozyczki\/juzpieniadze?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=29&offer_id=1280&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"JuzPieniadze - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-29\"\n        data-product=\"po\u017cyczki pingtree\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"727\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Net Got\u00f3wka<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/nmgt3mkzm3pbw0bcz4sxqj.png\" alt=\"Net Got\u00f3wka - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        3 000 - 5 000 z\u0142                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>mo\u017cliwo\u015b\u0107 zrefinansowania kapita\u0142u, tzn. klient p\u0142aci wtedy czwart\u0105 rat\u0119 w kwocie 199,99 z\u0142 a kapita\u0142 (4.000 z\u0142) starej po\u017cyczki sp\u0142aca now\u0105 po\u017cyczk\u0105 (nowy kredyt sp\u0142aca stary, wcze\u015bniejszy)<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        4 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        78 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/netgotowka\/chwilowka-pl-ua?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=30&offer_id=727&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Net Got\u00f3wka - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-30\"\n        data-product=\"po\u017cyczki ratalka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"324\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/kuki.png\" alt=\"Kuki - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 7 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Tak                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>na kwot\u0119 7000 z\u0142<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        60 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/kuki?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=31&offer_id=324&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Kuki - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-31\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1150\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Bocian po\u017cyczki<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/5soyrg69h699n9pnd5ctal.png\" alt=\"Bocian po\u017cyczki - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 2 500 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        35 - 44 tygodni            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        85 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/czs-form\/bocian-pozyczka?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=32&offer_id=1150&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Bocian po\u017cyczki - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-32\"\n        data-product=\"po\u017cyczki ratalka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"297\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Po\u017cyczka got\u00f3wkowa \u201enaCoDzie\u0144\u201d Provident<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/5ct09abdmuq09d2it5v3.png\" alt=\"Provident - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 000 - 30 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        12 - 48 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        89 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/provident\/samoobslugowa?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=33&offer_id=297&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Provident - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-33\"\n        data-product=\"po\u017cyczki ratalka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1149\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\">Rupi.pl<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/z3tio90k64c6fdhy7aveh.png\" alt=\"Rupi.pl - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 3 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 - 30 dni            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        85 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/czs-form\/rupi?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=34&offer_id=1149&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Rupi.pl - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-34\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"1088\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-product-attributes\"\n                                                                            style=\"grid-column: span 6 \/ auto;\"\n                                                                    >\n                                    <div class=\"ranking-table-cell-product-attributes\">\n                                                                                                                            <div class=\"ranking-table-cell-product-attributes__name\"> Po\u017cyczka Got\u00f3wkowa Avinto<\/div>\n                                                                            <\/div>\n                                <\/td>\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/dr216r1bts7f4uxhqhk6ul.png\" alt=\"Avinto - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        500 - 5 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        52 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/avinto\/chwilowka?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=35&offer_id=1088&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Avinto - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-35\"\n        data-product=\"po\u017cyczki chwil\u00f3wka\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                            <tr class=\"ranking-table__row  js-ranking-row\"\n                             data-offer-id=\"151\"                             data-total-amount-min=\"UNSET\"                             data-fixed-priority=\"UNSET\"                            \n                            \n                                                            style=\"grid-template-columns: repeat(6, 1fr);\"\n                                                    >\n\n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-logo\">\n            <div class=\"ranking-offer__logo\">\n            <img decoding=\"async\" height=\"52\" width=\"138\" loading=\"lazy\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/m6irpbeedpo28htjyuko4.png\" alt=\"Eurocent - opinie\">\n        <\/div>\n    <\/td>\n\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        100 - 100 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Maks. pierwsza po\u017cyczka<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        1 - 120 mies.            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Okres sp\u0142aty<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        Nie            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Pierwsza po\u017cyczka gratis<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        93 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Przyznawalno\u015b\u0107 po\u017cyczki liczona jest na podstawie liczby po\u017cyczek udzielonych w ostatnich trzech miesi\u0105cach.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Przyznawalno\u015b\u0107<\/div>\n<\/td>\n                            \n                            \n                            \n                            <td class=\"ranking-table__cell ranking-table__cell-action\">\n            \n            <a  href=\"https:\/\/kontomierz.pl\/blog\/wniosek\/eurocent?aff_sub=tresc&aff_sub3=chwil%C3%B3wki+bez+bik&aff_sub4=36&offer_id=151&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Eurocent - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-36\"\n        data-product=\"po\u017cyczki pingtree\"\n        data-push-offer-click-event=\"\"\n        data-push-offer-click-event=\"\">\n        \u00bbSPRAWD\u0179\u00ab    <\/a>\n\n            <\/td>\n\n                            \n                            \n                            \n                                                    <\/tr>\n                                    <\/table>\n                            <\/div>\n        <\/div>\n    <\/div>\n\n    \n\n\n\n<p class=\"wp-block-paragraph\">Dane w zestawieniu pochodz\u0105 od po\u017cyczkodawc\u00f3w i s\u0105 od\u015bwie\u017cane automatycznie. Wi\u0105\u017c\u0105ce s\u0105 jednak warunki z formularza informacyjnego i umowy u wybranej firmy \u2013 to tam znajdziesz ostateczne RRSO, ca\u0142kowit\u0105 kwot\u0119 do zap\u0142aty oraz informacj\u0119, z kt\u00f3rych baz danych korzysta dana instytucja.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Spis tre\u015bci:<\/h2><nav><ul><li class=\"\"><a href=\"#co-to-jest-pozyczka-bez-bik\">Co to jest po\u017cyczka bez BIK?<\/a><\/li><li class=\"\"><a href=\"#czy-sa-jeszcze-pozyczki-bez-bik\">Czy s\u0105 jeszcze po\u017cyczki bez BIK?<\/a><\/li><li class=\"\"><a href=\"#kto-daje-pozyczki-bez-bik-i-krd\">Kto daje po\u017cyczki bez BIK i KRD?<\/a><\/li><li class=\"\"><a href=\"#ile-kosztuje-pozyczka-bez-bik-limity-kosztow-w-2026-roku\">Ile kosztuje po\u017cyczka bez BIK? Limity koszt\u00f3w w 2026 roku<\/a><\/li><li class=\"\"><a href=\"#czym-kierowac-sie-przy-wyborze-pozyczki-bez-bik\">Czym kierowa\u0107 si\u0119 przy wyborze po\u017cyczki bez BIK?<\/a><\/li><li class=\"\"><a href=\"#jakich-pozyczek-nie-widac-w-bik\">Jakich po\u017cyczek nie wida\u0107 w BIK?<\/a><\/li><li class=\"\"><a href=\"#ile-wynosi-rata-pozyczki-online-na-5000-zl\">Ile wynosi rata po\u017cyczki online na 5000 z\u0142?<\/a><\/li><li class=\"\"><a href=\"#jak-poprawic-zdolnosc-w-bik\">Jak poprawi\u0107 zdolno\u015b\u0107 w BIK?<\/a><\/li><li class=\"\"><a href=\"#twoje-prawa-przy-pozyczce-konsumenckiej\">Twoje prawa przy po\u017cyczce konsumenckiej<\/a><\/li><li class=\"\"><a href=\"#czy-warto-siegnac-po-pozyczke-bez-bik\">Czy warto si\u0119gn\u0105\u0107 po po\u017cyczk\u0119 bez BIK?<\/a><\/li><li class=\"\"><a href=\"#najczestsze-pytania-o-pozyczki-bez-bik\">Najcz\u0119stsze pytania o po\u017cyczki bez BIK<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-to-jest-pozyczka-bez-bik\">Co to jest po\u017cyczka bez BIK?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Po\u017cyczka bez BIK to po\u017cyczka, przy kt\u00f3rej firma nie si\u0119ga po raport z Biura Informacji Kredytowej, tylko ocenia wnioskuj\u0105cego na podstawie danych z innego rejestru.<\/strong> To nie to samo co po\u017cyczka bez sprawdzania kogokolwiek i gdziekolwiek. Ustawa o kredycie konsumenckim m\u00f3wi wprost: instytucja po\u017cyczkowa uzale\u017cnia udzielenie kredytu konsumenckiego od <em>pozytywnej<\/em> oceny zdolno\u015bci kredytowej kredytobiorcy (art. 9a ust. 1). Oceny dokonuje si\u0119 na podstawie danych udost\u0119pnianych przez zaufanych dostawc\u00f3w, w szczeg\u00f3lno\u015bci przez instytucje utworzone na podstawie art. 105 ust. 4 Prawa bankowego \u2013 czyli w\u0142a\u015bnie BIK \u2013 <strong>lub<\/strong> przez biura informacji gospodarczej, takie jak BIG InfoMonitor, KRD i ERIF (art. 9a ust. 2).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ca\u0142a tajemnica ofert bez BIK kryje si\u0119 w sp\u00f3jniku \u201elub\u201d. Przepis nie wskazuje jednej obowi\u0105zkowej bazy, wi\u0119c firma mo\u017ce oprze\u0107 decyzj\u0119 na danych z biur informacji gospodarczej i do BIK w og\u00f3le nie zagl\u0105da\u0107. To zgodne z prawem, ale z Twojej perspektywy oznacza tylko tyle, \u017ce sprawdz\u0105 Ci\u0119 gdzie indziej.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Biuro Informacji Kredytowej to instytucja, kt\u00f3ra gromadzi, przetwarza i udost\u0119pnia dane o historii kredytowej os\u00f3b fizycznych i przedsi\u0119biorc\u00f3w. Korzystaj\u0105 z nich banki, SKOK-i i firmy po\u017cyczkowe przy ocenie zdolno\u015bci kredytowej. Raport BIK pokazuje nie tylko zaleg\u0142o\u015bci \u2013 tak\u017ce terminowo obs\u0142ugiwane zobowi\u0105zania, kt\u00f3re buduj\u0105 pozytywn\u0105 histori\u0119.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Warto te\u017c zna\u0107 drug\u0105 stron\u0119 tej samej regu\u0142y. Je\u015bli kwota po\u017cyczki przekracza dwukrotno\u015b\u0107 minimalnego wynagrodzenia za prac\u0119, firma <strong>musi<\/strong> odebra\u0107 od Ciebie o\u015bwiadczenie o dochodach i sta\u0142ych wydatkach gospodarstwa domowego wraz z dokumentami potwierdzaj\u0105cymi doch\u00f3d (art. 9a ust. 3 ustawy o kredycie konsumenckim). W 2026 roku minimalne wynagrodzenie wynosi 4806 z\u0142, wi\u0119c pr\u00f3g ten to <strong>9612 z\u0142<\/strong>. Powy\u017cej tej kwoty \u017cadna oferta \u201ena sam dow\u00f3d\u201d nie jest zgodna z prawem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"czy-sa-jeszcze-pozyczki-bez-bik\">Czy s\u0105 jeszcze po\u017cyczki bez BIK?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tak \u2013 i nie s\u0105 to oferty z szarej strefy. Skoro przepisy nie narzucaj\u0105 konkretnej bazy, firma po\u017cyczkowa mo\u017ce oprze\u0107 decyzj\u0119 na raporcie z KRD, BIG InfoMonitor lub ERIF, a raportu BIK w og\u00f3le nie zamawia\u0107. Cz\u0119\u015b\u0107 instytucji dok\u0142ada do tego analiz\u0119 historii rachunku bankowego przez us\u0142ug\u0119 otwartej bankowo\u015bci opart\u0105 na dyrektywie PSD2 albo prosi o dokumenty potwierdzaj\u0105ce doch\u00f3d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Czy z nieudan\u0105 przesz\u0142o\u015bci\u0105 kredytow\u0105 masz wi\u0119c szanse na finansowanie? Bywa, \u017ce tak \u2013 Twoja historia w KRD czy ERIF mo\u017ce wygl\u0105da\u0107 inaczej ni\u017c w BIK, bo do ka\u017cdego z tych rejestr\u00f3w trafiaj\u0105 dane od innego kr\u0119gu wierzycieli. Ale to nie jest regu\u0142a ani obietnica. Firma, kt\u00f3ra wie o Twoich zaleg\u0142o\u015bciach i mimo to udzieli po\u017cyczki, nara\u017ca si\u0119 na dotkliw\u0105 sankcj\u0119 \u2013 piszemy o niej w sekcji o Twoich prawach.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jedno rozr\u00f3\u017cnienie warto zapami\u0119ta\u0107 na ca\u0142e \u017cycie: <strong>\u201ebez sprawdzania w BIK\u201d to co innego ni\u017c \u201ebez zg\u0142oszenia do BIK\u201d<\/strong>. Nawet je\u015bli firma nie zajrza\u0142a do Twojego raportu przed decyzj\u0105, po udzieleniu po\u017cyczki ma obowi\u0105zek zg\u0142osi\u0107 j\u0105 do BIK. Wracamy do tego ni\u017cej.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kto-daje-pozyczki-bez-bik-i-krd\">Kto daje po\u017cyczki bez BIK i KRD?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u017badna firma nie og\u0142asza w regulaminie listy baz, do kt\u00f3rych nie zagl\u0105da, a same \u017ar\u00f3d\u0142a danych bywaj\u0105 zmieniane bez zapowiedzi. Zamiast szuka\u0107 firmy \u201ebez BIK i bez KRD\u201d, sprawd\u017a to u \u017ar\u00f3d\u0142a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Przeczytaj klauzule informacyjne przy wniosku.<\/strong> Zgody, kt\u00f3re podpisujesz, wymieniaj\u0105 z nazwy rejestry, do kt\u00f3rych firma wyst\u0105pi o dane. To najpewniejsze \u017ar\u00f3d\u0142o informacji, bo dotyczy konkretnej umowy, a nie og\u00f3lnej deklaracji marketingowej.<\/li>\n\n\n\n<li><strong>Zapytaj wprost na infolinii.<\/strong> Pytanie \u201eczy sprawdzacie BIK?\u201d jest standardowe i konsultant ma na nie odpowied\u017a.<\/li>\n\n\n\n<li><strong>Pobierz w\u0142asny raport z BIK oraz z biur informacji gospodarczej.<\/strong> Gdy wiesz, co w nich widnieje, przestajesz zgadywa\u0107, kt\u00f3ra baza dzia\u0142a na Twoj\u0105 niekorzy\u015b\u0107.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">W zestawieniu na tej stronie znajdziesz kilkadziesi\u0105t ofert firm po\u017cyczkowych i po\u015brednik\u00f3w. Wiele z nich prowadzi promocj\u0119 pierwszej darmowej po\u017cyczki \u2013 m.in. Miloan, Oros.pl, Po\u017cyczka Plus, Smart Po\u017cyczka czy EkspresPo\u017cyczka. Aktualne kwoty tej promocji sprawdzisz w karcie danej firmy w zestawieniu powy\u017cej \u2013 zmieniaj\u0105 si\u0119 cz\u0119\u015bciej, ni\u017c zd\u0105\u017cyliby\u015bmy je tu zaktualizowa\u0107. Darmowa pierwsza po\u017cyczka to jednak wy\u0142\u0105cznie kwestia ceny, nie kryteri\u00f3w oceny: promocja nie oznacza, \u017ce firma pominie weryfikacj\u0119 w bazach.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zwr\u00f3\u0107 te\u017c uwag\u0119, \u017ce cz\u0119\u015b\u0107 pozycji w zestawieniu to <strong>po\u015brednicy kredytowi<\/strong>, a nie po\u017cyczkodawcy \u2013 w nazwie karty zwykle widnieje s\u0142owo \u201ebroker\u201d. Wype\u0142niasz u nich jeden wniosek, kt\u00f3ry trafia do sieci wsp\u00f3\u0142pracuj\u0105cych firm, ale umow\u0119 zawrzesz ostatecznie z konkretnym po\u017cyczkodawc\u0105 i to jego zasady oceny zdolno\u015bci b\u0119d\u0105 Ci\u0119 obowi\u0105zywa\u0107. Po\u015brednik r\u00f3wnie\u017c musi by\u0107 wpisany do rejestru prowadzonego przez Komisj\u0119 Nadzoru Finansowego (art. 59da ustawy o kredycie konsumenckim) i nie ma prawa \u017c\u0105da\u0107 op\u0142aty z g\u00f3ry za samo rozpatrzenie wniosku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ile-kosztuje-pozyczka-bez-bik-limity-kosztow-w-2026-roku\">Ile kosztuje po\u017cyczka bez BIK? Limity koszt\u00f3w w 2026 roku<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rezygnacja z raportu BIK oznacza dla firmy wi\u0119ksze ryzyko, a ryzyko bywa wliczane w cen\u0119. Prawo wyznacza jej jednak g\u00f3rne granice \u2013 te same dla wszystkich po\u017cyczek konsumenckich. Stan na sierpie\u0144 2026 r.:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Odsetki maksymalne: 14,50% w skali roku.<\/strong> To dwukrotno\u015b\u0107 sumy stopy referencyjnej NBP i 3,5 punktu procentowego (art. 359 \u00a7 2\u00b9 Kodeksu cywilnego). Stopa referencyjna wynosi 3,75% od 5 marca 2026 r., st\u0105d 2 \u00d7 (3,75% + 3,5 pp) = 14,50%.<\/li>\n\n\n\n<li><strong>Odsetki maksymalne za op\u00f3\u017anienie: 18,50% w skali roku.<\/strong> To dwukrotno\u015b\u0107 sumy stopy referencyjnej i 5,5 punktu procentowego (art. 481 \u00a7 2\u00b9 Kodeksu cywilnego).<\/li>\n\n\n\n<li><strong>Koszty pozaodsetkowe przy po\u017cyczce na 30 dni i d\u0142u\u017cej:<\/strong> maksymalnie 10% po\u017cyczonej kwoty plus 10% za ka\u017cdy rok sp\u0142aty, wed\u0142ug wzoru MPKK = (K \u00d7 10%) + (K \u00d7 n\/R \u00d7 10%), gdzie K to ca\u0142kowita kwota kredytu, n \u2013 okres sp\u0142aty w dniach, a R \u2013 liczba dni w roku (art. 36a ust. 1 ustawy o kredycie konsumenckim).<\/li>\n\n\n\n<li><strong>Koszty pozaodsetkowe przy po\u017cyczce kr\u00f3tszej ni\u017c 30 dni:<\/strong> maksymalnie 5% po\u017cyczonej kwoty (art. 36a ust. 1a).<\/li>\n\n\n\n<li><strong>Twardy limit: 45% ca\u0142kowitej kwoty kredytu.<\/strong> Niezale\u017cnie od wyniku wzoru koszty pozaodsetkowe nie mog\u0105 przekroczy\u0107 tego poziomu (art. 36a ust. 2), a cz\u0119\u015b\u0107 przekraczaj\u0105ca limit po prostu si\u0119 firmie nie nale\u017cy (art. 36a ust. 3).<\/li>\n\n\n\n<li><strong>Limit koszt\u00f3w windykacji.<\/strong> Je\u017celi op\u0142aty z tytu\u0142u zaleg\u0142o\u015bci w sp\u0142acie razem z naliczonymi odsetkami za op\u00f3\u017anienie przekrocz\u0105 kwot\u0119 odsetek maksymalnych za op\u00f3\u017anienie, firmie nale\u017cy si\u0119 tylko ta ni\u017csza kwota (art. 33a ustawy o kredycie konsumenckim). Monity i wezwania nie mog\u0105 wi\u0119c kosztowa\u0107 dowolnie du\u017co.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ustawa zamyka te\u017c furtk\u0119 na obchodzenie limitu przez rolowanie d\u0142ugu. Koszty odroczenia sp\u0142aty naliczone w ci\u0105gu 120 dni od wyp\u0142aty po\u017cyczki wliczaj\u0105 si\u0119 do limitu liczonego od pierwotnej kwoty (art. 36b), a gdy ten sam kredytodawca lub podmiot z nim powi\u0105zany udziela Ci kolejnych po\u017cyczek w ci\u0105gu 120 dni, zanim sp\u0142acisz poprzedni\u0105, limit liczy si\u0119 \u0142\u0105cznie \u2013 od kwoty pierwszej z nich (art. 36c).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"czym-kierowac-sie-przy-wyborze-pozyczki-bez-bik\">Czym kierowa\u0107 si\u0119 przy wyborze po\u017cyczki bez BIK?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Przede wszystkim kosztem i wiarygodno\u015bci\u0105 firmy. Po\u017cyczka bez weryfikacji w BIK nie musi by\u0107 droga \u2013 przy pierwszym zobowi\u0105zaniu w danej instytucji cz\u0119sto obowi\u0105zuje promocja zerowego kosztu. Zanim jednak klikniesz \u201ewnioskuj\u0119\u201d, przejd\u017a przez t\u0119 list\u0119:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Wpis do rejestru KNF<\/strong>. Instytucja po\u017cyczkowa mo\u017ce podj\u0105\u0107 dzia\u0142alno\u015b\u0107 dopiero po uzyskaniu wpisu do rejestru instytucji po\u017cyczkowych (art. 59aa ust. 1 ustawy o kredycie konsumenckim), a rejestr prowadzi Komisja Nadzoru Finansowego (art. 59ab). To warunek legalnego dzia\u0142ania, nie dobrowolna deklaracja. Wyszukiwark\u0119 rejestr\u00f3w znajdziesz pod adresem rpkip.knf.gov.pl. Od 1 stycznia 2024 r. udzielanie kredytu konsumenckiego przez te firmy podlega dodatkowo nadzorowi KNF (art. 59df ust. 1).<\/li>\n\n\n\n<li><strong>Ca\u0142kowita kwota do zap\u0142aty, nie samo RRSO<\/strong>. RRSO s\u0142u\u017cy do por\u00f3wnywania ofert o zbli\u017conej kwocie i okresie; przy chwil\u00f3wkach potrafi by\u0107 trzycyfrowe mimo kilkudziesi\u0119ciu z\u0142otych kosztu, bo kr\u00f3tki okres podbija wynik przeliczenia. Suma w z\u0142otych m\u00f3wi, ile realnie oddasz.<\/li>\n\n\n\n<li><strong>Warunki umowy i koszty op\u00f3\u017anienia<\/strong>. Sprawd\u017a wysoko\u015b\u0107 odsetek za op\u00f3\u017anienie, op\u0142aty za monity oraz zasady przed\u0142u\u017cenia sp\u0142aty. Formularz informacyjny masz prawo dosta\u0107 na trwa\u0142ym no\u015bniku przed zawarciem umowy i jest wa\u017cny co najmniej jeden dzie\u0144 roboczy (art. 14 ustawy o kredycie konsumenckim) \u2013 to czas na spokojne czytanie.<\/li>\n\n\n\n<li><strong>Kwota i okres dopasowane do bud\u017cetu<\/strong>. Nie po\u017cyczaj wi\u0119cej, ni\u017c potrzebujesz, i policz rat\u0119 na tle sta\u0142ych wydatk\u00f3w, a nie samego dochodu.<\/li>\n\n\n\n<li><strong>Zero op\u0142at z g\u00f3ry<\/strong>. \u017b\u0105danie przedp\u0142aty za \u201erozpatrzenie wniosku\u201d, \u201eubezpieczenie\u201d czy \u201eodblokowanie przelewu\u201d przed wyp\u0142at\u0105 po\u017cyczki to klasyczny schemat oszustwa. Rzetelna firma pobiera koszty z kwoty po\u017cyczki albo dolicza je do rat.<\/li>\n\n\n\n<li><strong>Alternatywy przed decyzj\u0105<\/strong>. Roz\u0142o\u017cenie bie\u017c\u0105cego d\u0142ugu na raty u obecnego wierzyciela, konsolidacja albo pomoc powiatowego lub miejskiego rzecznika konsument\u00f3w bywaj\u0105 ta\u0144sze ni\u017c kolejne zobowi\u0105zanie.<\/li>\n\n\n\n<li><strong>Bezpiecze\u0144stwo danych i to\u017csamo\u015bci<\/strong>. Sprawd\u017a, czy strona dzia\u0142a po HTTPS i czy firma podaje pe\u0142n\u0105 nazw\u0119, adres siedziby, KRS i NIP. Je\u015bli obawiasz si\u0119 wy\u0142udzenia na Twoje dane, mo\u017cesz zastrzec numer PESEL \u2013 kredytodawca ma obowi\u0105zek zweryfikowa\u0107 zastrze\u017cenie przed zawarciem umowy (art. 9b ust. 1 ustawy o kredycie konsumenckim), a od po\u017cyczki udzielonej mimo zastrze\u017cenia nie mo\u017ce domaga\u0107 si\u0119 sp\u0142aty (art. 9b ust. 2).<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jakich-pozyczek-nie-widac-w-bik\">Jakich po\u017cyczek nie wida\u0107 w BIK?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Znacznie mniej, ni\u017c sugeruje nazwa tej kategorii ofert. Instytucja po\u017cyczkowa, kt\u00f3ra udzieli\u0142a kredytu konsumenckiego, ma ustawowy obowi\u0105zek <strong>niezw\u0142ocznie<\/strong> przekaza\u0107 informacj\u0119 o jego udzieleniu do BIK, a informacj\u0119 o zaleg\u0142o\u015bciach w sp\u0142acie \u2013 do BIK albo do biura informacji gospodarczej (art. 9a ust. 8 ustawy o kredycie konsumenckim). Za przekazanie tych danych nie wolno pobiera\u0107 \u017cadnych op\u0142at. Niedope\u0142nienie obowi\u0105zku informowania o sp\u0142acie, wyga\u015bni\u0119ciu lub korekcie zobowi\u0105zania jest zagro\u017cone sankcj\u0105 karn\u0105 (art. 59g).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Skutek jest prosty: <strong>po\u017cyczka udzielona \u201ebez sprawdzania BIK\u201d i tak pojawi si\u0119 w BIK.<\/strong> Firma ma te\u017c obowi\u0105zek zg\u0142osi\u0107 ca\u0142kowit\u0105 sp\u0142at\u0119, wyga\u015bni\u0119cie zobowi\u0105zania lub korekt\u0119 jego wysoko\u015bci w ci\u0105gu 7 dni, a BIK wprowadza tak\u0105 informacj\u0119 do zbioru w kolejnych 7 dniach (art. 59b ust. 3). Dzi\u0119ki temu terminowo sp\u0142acona chwil\u00f3wka przestaje figurowa\u0107 jako otwarte zobowi\u0105zanie, a przy Twojej zgodzie na dalsze przetwarzanie danych zaczyna budowa\u0107 pozytywn\u0105 histori\u0119.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poza obowi\u0105zkowym raportowaniem pozostaj\u0105 natomiast zobowi\u0105zania, kt\u00f3re w og\u00f3le nie s\u0105 kredytem konsumenckim \u2013 na przyk\u0142ad nieoprocentowane odroczenie p\u0142atno\u015bci, za kt\u00f3re konsument nie ponosi \u017cadnych koszt\u00f3w (art. 3 ust. 2 pkt 3 ustawy o kredycie konsumenckim). Dotyczy to cz\u0119\u015bci us\u0142ug typu \u201ekup teraz, zap\u0142a\u0107 p\u00f3\u017aniej\u201d. Czy konkretna transakcja trafi\u0142a do rejestru, najpewniej sprawdzisz w swoim raporcie BIK \u2013 a nie w regulaminie sklepu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ile-wynosi-rata-pozyczki-online-na-5000-zl\">Ile wynosi rata po\u017cyczki online na 5000 z\u0142?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To zale\u017cy od koszt\u00f3w, kt\u00f3re naliczy po\u017cyczkodawca, i od tego, czy sp\u0142acasz jednorazowo, czy w ratach. Dok\u0142adn\u0105 kwot\u0119 znajdziesz w formularzu informacyjnym i w umowie. Mo\u017cna natomiast policzy\u0107, ile najwy\u017cej wolno od Ciebie pobra\u0107 przy po\u017cyczce 5000 z\u0142 na 30 dni \u2013 przy roku 365-dniowym s\u0105 to ustawowe pu\u0142apy, a nie cennik konkretnej firmy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Koszty pozaodsetkowe: maksymalnie 541,10 z\u0142.<\/strong> Wyliczenie: 5000 z\u0142 \u00d7 10% = 500 z\u0142, plus 5000 z\u0142 \u00d7 30\/365 \u00d7 10% = 41,10 z\u0142. To znacznie poni\u017cej twardego limitu 45%, kt\u00f3ry dla tej kwoty wynosi 2250 z\u0142.<\/li>\n\n\n\n<li><strong>Odsetki: maksymalnie 59,59 z\u0142.<\/strong> Wyliczenie: 5000 z\u0142 \u00d7 14,50% \u00d7 30\/365.<\/li>\n\n\n\n<li><strong>Rata jednorazowa: nie wi\u0119cej ni\u017c 5600,69 z\u0142<\/strong>, co odpowiada RRSO na poziomie ok. 298%.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Realne oferty bywaj\u0105 wyra\u017anie ta\u0144sze od tych pu\u0142ap\u00f3w. Dwa przyk\u0142ady dla tej samej kwoty i tego samego okresu:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Przyk\u0142ad 1.<\/strong> Po\u017cyczka 5000 z\u0142 na 30 dni w promocji dla nowego klienta. RRSO 0%, koszt 0 z\u0142, do oddania 5000 z\u0142 \u2013 dok\u0142adnie tyle, ile po\u017cyczono. Warunkiem utrzymania zerowego kosztu jest sp\u0142ata w terminie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Przyk\u0142ad 2.<\/strong> Po\u017cyczka 5000 z\u0142 na 30 dni z kosztem 308,55 z\u0142. Do oddania 5308,55 z\u0142, RRSO 107,21%. Trzycyfrowe RRSO nie oznacza tu ukrytych op\u0142at \u2013 to efekt przeliczenia miesi\u0119cznego kosztu na skal\u0119 roku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli sp\u0142ata 5000 z\u0142 w jednym miesi\u0105cu by\u0142aby zbyt du\u017cym obci\u0105\u017ceniem, rozwa\u017c roz\u0142o\u017cenie kwoty na raty. Przy po\u017cyczce ratalnej rata jest ni\u017csza, ale \u0142\u0105czny koszt ro\u015bnie, bo odsetki naliczaj\u0105 si\u0119 przez wi\u0119cej miesi\u0119cy.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Poznaj <a href=\"https:\/\/kontomierz.pl\/blog\/pozyczki\/na-raty\/\" data-type=\"page\" data-id=\"92\">po\u017cyczki na raty<\/a>!<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-poprawic-zdolnosc-w-bik\">Jak poprawi\u0107 zdolno\u015b\u0107 w BIK?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Historia kredytowa nie jest dana raz na zawsze \u2013 przepisy dok\u0142adnie okre\u015blaj\u0105, jak d\u0142ugo dane mog\u0105 by\u0107 przetwarzane i na jakich zasadach. Warto o ni\u0105 zadba\u0107 zw\u0142aszcza wtedy, gdy w perspektywie kilku lat planujesz kredyt hipoteczny.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Sp\u0142acaj terminowo, nawet drobne zobowi\u0105zania.<\/strong> Regularno\u015b\u0107 jest tym, co wida\u0107 w raporcie najlepiej. Jedna zaleg\u0142o\u015b\u0107 potrafi przewa\u017cy\u0107 nad kilkoma bezb\u0142\u0119dnie obs\u0142u\u017conymi umowami.<\/li>\n\n\n\n<li><strong>Sprawd\u017a, co i jak d\u0142ugo widnieje w raporcie.<\/strong> Dane o zobowi\u0105zaniu, przy kt\u00f3rym sp\u00f3\u017ani\u0142e\u015b si\u0119 powy\u017cej 60 dni, mog\u0105 by\u0107 przetwarzane bez Twojej zgody przez okres nie d\u0142u\u017cszy ni\u017c 5 lat od dnia wyga\u015bni\u0119cia zobowi\u0105zania \u2013 i tylko wtedy, gdy min\u0119\u0142o co najmniej 30 dni od poinformowania Ci\u0119 o zamiarze przetwarzania tych danych bez zgody (art. 105a ust. 3 i 5 Prawa bankowego).<\/li>\n\n\n\n<li><strong>\u015awiadomie zarz\u0105dzaj zgod\u0105 na przetwarzanie danych po sp\u0142acie.<\/strong> Po wyga\u015bni\u0119ciu zobowi\u0105zania dane pozostaj\u0105 w BIK wy\u0142\u0105cznie za Twoj\u0105 pisemn\u0105 zgod\u0105, a zgod\u0119 t\u0119 mo\u017cesz w ka\u017cdym czasie odwo\u0142a\u0107 (art. 105a ust. 2 Prawa bankowego). Je\u015bli historia jest pozytywna, zgoda dzia\u0142a na Twoj\u0105 korzy\u015b\u0107 \u2013 buduje profil rzetelnego kredytobiorcy.<\/li>\n\n\n\n<li><strong>Ogranicz liczb\u0119 wniosk\u00f3w sk\u0142adanych naraz.<\/strong> Ka\u017cde zapytanie kredytowe zostawia \u015blad w raporcie, a seria zapyta\u0144 w kr\u00f3tkim czasie bywa odczytywana jako sygna\u0142 ostrzegawczy.<\/li>\n\n\n\n<li><strong>Nie wykorzystuj limit\u00f3w w ca\u0142o\u015bci.<\/strong> Karta kredytowa i limit odnawialny wykorzystywane w ca\u0142o\u015bci obni\u017caj\u0105 ocen\u0119 mocniej ni\u017c ten sam limit u\u017cywany w niewielkiej cz\u0119\u015bci.<\/li>\n\n\n\n<li><strong>Uporz\u0105dkuj sta\u0142e wydatki, zanim z\u0142o\u017cysz wniosek.<\/strong> Zdolno\u015b\u0107 kredytowa to r\u00f3\u017cnica mi\u0119dzy dochodem a zobowi\u0105zaniami. Rezygnacja z cz\u0119\u015bci abonament\u00f3w albo wcze\u015bniejsza sp\u0142ata drobnego zad\u0142u\u017cenia poprawia j\u0105 szybciej ni\u017c jakikolwiek zabieg na samym raporcie.<\/li>\n\n\n\n<li><strong>Sprawd\u017a poprawno\u015b\u0107 wpis\u00f3w i reklamuj b\u0142\u0119dy.<\/strong> Je\u015bli w raporcie widnieje zobowi\u0105zanie sp\u0142acone lub nieistniej\u0105ce, wyst\u0105p o korekt\u0119. Firma ma 7 dni na zg\u0142oszenie zmiany, a BIK kolejne 7 dni na jej wprowadzenie (art. 59b ust. 3 ustawy o kredycie konsumenckim).<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"twoje-prawa-przy-pozyczce-konsumenckiej\">Twoje prawa przy po\u017cyczce konsumenckiej<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u017cyczka do 255 550 z\u0142 zaci\u0105gni\u0119ta przez konsumenta jest kredytem konsumenckim (art. 3 ust. 1 ustawy o kredycie konsumenckim), a to uruchamia pakiet uprawnie\u0144 niezale\u017cny od tego, czy firma sprawdza\u0142a Ci\u0119 w BIK:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>14 dni na odst\u0105pienie bez podania przyczyny<\/strong>, liczone od dnia zawarcia umowy. Kredytodawca ma obowi\u0105zek wr\u0119czy\u0107 Ci wz\u00f3r o\u015bwiadczenia o odst\u0105pieniu na trwa\u0142ym no\u015bniku (art. 53).<\/li>\n\n\n\n<li><strong>Ta\u0144sza sp\u0142ata przed terminem.<\/strong> Przy wcze\u015bniejszej sp\u0142acie ca\u0142o\u015bci lub cz\u0119\u015bci zobowi\u0105zania ca\u0142kowity koszt kredytu obni\u017ca si\u0119 o koszty przypadaj\u0105ce na okres, o kt\u00f3ry skr\u00f3cono umow\u0119 \u2013 nawet je\u015bli ponios\u0142e\u015b je z g\u00f3ry (art. 49 ust. 1 i 2).<\/li>\n\n\n\n<li><strong>Formularz informacyjny przed umow\u0105<\/strong>, na trwa\u0142ym no\u015bniku i wed\u0142ug wzoru ustawowego, wa\u017cny co najmniej jeden dzie\u0144 roboczy (art. 13 i 14).<\/li>\n\n\n\n<li><strong>Sankcja kredytu darmowego.<\/strong> Je\u017celi kredytodawca naruszy wskazane w ustawie obowi\u0105zki \u2013 w tym limity koszt\u00f3w pozaodsetkowych z art. 36a-36c \u2013 mo\u017cesz z\u0142o\u017cy\u0107 pisemne o\u015bwiadczenie i zwr\u00f3ci\u0107 kredyt bez odsetek i innych koszt\u00f3w. Uprawnienie wygasa po roku od wykonania umowy (art. 45).<\/li>\n\n\n\n<li><strong>Ochrona przed po\u017cyczk\u0105 udzielon\u0105 wbrew ocenie zdolno\u015bci.<\/strong> Je\u017celi firma udzieli\u0142a Ci kredytu mimo zaleg\u0142o\u015bci w innym zobowi\u0105zaniu przekraczaj\u0105cych 6 miesi\u0119cy, a po\u017cyczka nie by\u0142a przeznaczona na sp\u0142at\u0119 tej zaleg\u0142o\u015bci, sprzeda\u017c d\u0142ugu jest niewa\u017cna, a windykacja dopuszczalna dopiero po sp\u0142acie wcze\u015bniejszego zobowi\u0105zania. Za okres zakazu nie wolno dolicza\u0107 odsetek ani innych op\u0142at, a s\u0105d bada te okoliczno\u015bci na Tw\u00f3j zarzut (art. 9a ust. 5 i 6).<\/li>\n\n\n\n<li><strong>Reklamacja i pomoc publiczna.<\/strong> Reklamacj\u0119 sk\u0142adasz najpierw u kredytodawcy. Je\u015bli jej nie uwzgl\u0119dni, spraw\u0119 mo\u017cesz skierowa\u0107 do Rzecznika Finansowego. Praktyki naruszaj\u0105ce zbiorowe interesy konsument\u00f3w zg\u0142osisz do UOKiK, a bezp\u0142atn\u0105 porad\u0119 w indywidualnej sprawie uzyskasz u powiatowego lub miejskiego rzecznika konsument\u00f3w.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Postanowienia umowy nie mog\u0105 tych uprawnie\u0144 wy\u0142\u0105czy\u0107 ani ograniczy\u0107 \u2013 w takim przypadku stosuje si\u0119 przepisy ustawy (art. 47).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"czy-warto-siegnac-po-pozyczke-bez-bik\">Czy warto si\u0119gn\u0105\u0107 po po\u017cyczk\u0119 bez BIK?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u017celi potrzebujesz niewielkiej kwoty na kr\u00f3tko, masz z czego j\u0105 odda\u0107, a jedyn\u0105 przeszkod\u0105 jest historia w jednym rejestrze \u2013 oferta bez weryfikacji w BIK bywa sensownym rozwi\u0105zaniem. Wtedy liczy si\u0119 tylko to, \u017ceby wybra\u0107 firm\u0119 z rejestru KNF, policzy\u0107 ca\u0142kowit\u0105 kwot\u0119 do zap\u0142aty i sp\u0142aci\u0107 w terminie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u017celi natomiast szukasz takiej po\u017cyczki dlatego, \u017ce kilka innych ju\u017c Ci\u0119 przeros\u0142o, to sygna\u0142, \u017ceby si\u0119 zatrzyma\u0107. Kolejne zobowi\u0105zanie zaci\u0105gane na sp\u0142at\u0119 poprzedniego to najkr\u00f3tsza droga do spirali zad\u0142u\u017cenia \u2013 a firma, kt\u00f3ra udzieli go mimo Twoich zaleg\u0142o\u015bci, i tak straci cz\u0119\u015b\u0107 uprawnie\u0144 wobec Ciebie (art. 9a ust. 5 ustawy o kredycie konsumenckim). W takiej sytuacji wi\u0119cej zyskasz, rozmawiaj\u0105c z obecnym wierzycielem o roz\u0142o\u017ceniu d\u0142ugu na raty albo korzystaj\u0105c z bezp\u0142atnej pomocy powiatowego lub miejskiego rzecznika konsument\u00f3w.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-0aa01211 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/kontomierz.pl\/blog\/chwilowki\/nowe\/\">Zobacz nowe chwil\u00f3wki online<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Niezale\u017cnie od decyzji warto r\u00f3wnolegle pracowa\u0107 nad sam\u0105 histori\u0105 kredytow\u0105. Terminowe sp\u0142aty, mniej wniosk\u00f3w sk\u0142adanych naraz i porz\u0105dek w sta\u0142ych wydatkach otwieraj\u0105 w perspektywie kilkunastu miesi\u0119cy dost\u0119p do wyra\u017anie ta\u0144szego finansowania ni\u017c jakakolwiek chwil\u00f3wka.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"najczestsze-pytania-o-pozyczki-bez-bik\">Najcz\u0119stsze pytania o po\u017cyczki bez BIK<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Czy istnieje po\u017cyczka bez sprawdzania jakichkolwiek baz?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nie w legalnym obrocie. Instytucja po\u017cyczkowa uzale\u017cnia udzielenie kredytu konsumenckiego od pozytywnej oceny zdolno\u015bci kredytowej (art. 9a ust. 1 ustawy o kredycie konsumenckim), a ocena opiera si\u0119 na danych z BIK lub z biur informacji gospodarczej (art. 9a ust. 2). Firma mo\u017ce zrezygnowa\u0107 z jednego \u017ar\u00f3d\u0142a, ale nie ze wszystkich. Ci\u0119\u017car wykazania, \u017ce ocena zosta\u0142a przeprowadzona prawid\u0142owo, spoczywa na firmie (art. 9a ust. 4).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Czy po\u017cyczka bez BIK jest dro\u017csza?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bywa, bo firma rezygnuje z jednego \u017ar\u00f3d\u0142a informacji i wycenia wy\u017csze ryzyko. G\u00f3rna granica jest jednak taka sama jak dla ka\u017cdej innej po\u017cyczki konsumenckiej: odsetki do 14,50% w skali roku i koszty pozaodsetkowe do 45% kwoty kredytu. Przy pierwszej po\u017cyczce w danej firmie koszt bywa zerowy \u2013 to promocja dla nowych klient\u00f3w, obowi\u0105zuj\u0105ca pod warunkiem sp\u0142aty w terminie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Czy taka po\u017cyczka pogorszy moj\u0105 histori\u0119 w BIK?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sam fakt zaci\u0105gni\u0119cia \u2013 nie. Do BIK trafi informacja o udzieleniu po\u017cyczki (art. 9a ust. 8 ustawy o kredycie konsumenckim), a po terminowej sp\u0142acie firma ma 7 dni na zg\u0142oszenie wyga\u015bni\u0119cia zobowi\u0105zania (art. 59b ust. 3). Histori\u0119 psuje dopiero op\u00f3\u017anienie, a nie sama obecno\u015b\u0107 zobowi\u0105zania w raporcie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ile mog\u0119 po\u017cyczy\u0107 bez dokument\u00f3w potwierdzaj\u0105cych doch\u00f3d?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Powy\u017cej dwukrotno\u015bci minimalnego wynagrodzenia firma ma obowi\u0105zek odebra\u0107 od Ciebie o\u015bwiadczenie o dochodach i sta\u0142ych wydatkach gospodarstwa domowego wraz z dokumentami potwierdzaj\u0105cymi doch\u00f3d (art. 9a ust. 3 ustawy o kredycie konsumenckim). W 2026 roku minimalne wynagrodzenie wynosi 4806 z\u0142, wi\u0119c pr\u00f3g wynosi 9612 z\u0142. Poni\u017cej tej kwoty dokumenty r\u00f3wnie\u017c mog\u0105 by\u0107 wymagane, je\u015bli dane z baz nie wystarcz\u0105 do oceny.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Co zrobi\u0107, gdy nie zd\u0105\u017c\u0119 sp\u0142aci\u0107 w terminie?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Skontaktuj si\u0119 z firm\u0105 przed up\u0142ywem terminu, a nie po nim. Wiele instytucji proponuje wtedy przed\u0142u\u017cenie sp\u0142aty albo roz\u0142o\u017cenie zobowi\u0105zania na raty. Pami\u0119taj, \u017ce koszty odroczenia naliczone w ci\u0105gu 120 dni od wyp\u0142aty wliczaj\u0105 si\u0119 do ustawowego limitu koszt\u00f3w pozaodsetkowych (art. 36b), a op\u0142aty windykacyjne razem z odsetkami za op\u00f3\u017anienie nie mog\u0105 przekroczy\u0107 kwoty odsetek maksymalnych za op\u00f3\u017anienie (art. 33a). Unikaj natomiast zaci\u0105gania kolejnej po\u017cyczki na sp\u0142at\u0119 bie\u017c\u0105cej.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak sprawdzi\u0107, czy firma po\u017cyczkowa dzia\u0142a legalnie?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Wpisz jej nazw\u0119 lub numer KRS do wyszukiwarki rejestr\u00f3w Komisji Nadzoru Finansowego pod adresem rpkip.knf.gov.pl. Instytucja po\u017cyczkowa mo\u017ce podj\u0105\u0107 dzia\u0142alno\u015b\u0107 dopiero po wpisie do rejestru instytucji po\u017cyczkowych (art. 59aa ust. 1), a po\u015brednik kredytowy \u2013 po wpisie do rejestru po\u015brednik\u00f3w kredytowych (art. 59da ust. 1). Brak firmy w rejestrze przy jednoczesnym oferowaniu po\u017cyczek konsumenckich to powa\u017cny sygna\u0142 ostrzegawczy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Materia\u0142 ma charakter informacyjny i nie stanowi oferty ani porady inwestycyjnej. Dane o stopach procentowych, limitach koszt\u00f3w i minimalnym wynagrodzeniu odzwierciedlaj\u0105 stan prawny na sierpie\u0144 2026 r. Warunki konkretnych ofert weryfikuj bezpo\u015brednio u po\u017cyczkodawcy. Po\u017cyczaj odpowiedzialnie \u2013 zaci\u0105gaj zobowi\u0105zania dopasowane do swoich mo\u017cliwo\u015bci sp\u0142aty.<\/em><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Odmowa kredytu w banku nie zamyka drogi do finansowania, ale problem, kt\u00f3ry j\u0105 spowodowa\u0142, nie zniknie po wpisaniu w wyszukiwark\u0119 has\u0142a \u201epo\u017cyczka bez BIK\u201d. Firmy po\u017cyczkowe rzeczywi\u015bcie mog\u0105 sprawdza\u0107 wnioskuj\u0105cych w innych rejestrach ni\u017c Biuro Informacji Kredytowej \u2013 prawo im tego nie zabrania. Nie mog\u0105 natomiast po\u017cyczy\u0107 Ci pieni\u0119dzy bez \u017cadnej analizy: od 18 maja [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":22,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-24","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/comments?post=24"}],"version-history":[{"count":11,"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24\/revisions"}],"predecessor-version":[{"id":456,"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/24\/revisions\/456"}],"up":[{"embeddable":true,"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/22"}],"wp:attachment":[{"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/media?parent=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}