{"id":92,"date":"2024-05-27T13:26:40","date_gmt":"2024-05-27T13:26:40","guid":{"rendered":"https:\/\/kontomierz.pl\/blog\/?page_id=92"},"modified":"2026-08-19T12:17:50","modified_gmt":"2026-08-19T12:17:50","slug":"na-raty","status":"publish","type":"page","link":"https:\/\/kontomierz.pl\/blog\/pozyczki\/na-raty\/","title":{"rendered":"Po\u017cyczki na raty &#8211; 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Po\u017cyczka na raty rozk\u0142ada sp\u0142at\u0119 na miesi\u0105ce, zamiast \u017c\u0105da\u0107 ca\u0142ej kwoty jednego dnia. To wygodniejsze dla bud\u017cetu, ale nie ta\u0144sze: im d\u0142u\u017cszy okres, tym ni\u017csza rata i tym wy\u017cszy \u0142\u0105czny koszt. Poni\u017cej znajdziesz zestawienie ofert firm po\u017cyczkowych, po\u015brednik\u00f3w i bank\u00f3w, a pod nim wszystko, co trzeba policzy\u0107 i sprawdzi\u0107, zanim podpiszesz umow\u0119 \u2013 od ustawowych limit\u00f3w koszt\u00f3w po prawo do ta\u0144szej sp\u0142aty przed terminem.<\/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-18\"\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=\"0\"                            \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        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        1 000 - 50 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>zmienne<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=1&offer_id=1147&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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=\"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        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        1 000 - 60 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        0 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>przy pierwszej darmowej po\u017cyczce<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=2&offer_id=971&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-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=\"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        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        500 - 10 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>zmienne<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=3&offer_id=1120&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-3\"\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=\"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        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        100 - 100 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>finalne koszty po\u017cyczki zale\u017cne s\u0105 od wybranego po\u017cyczkodawcy\t\n<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=4&offer_id=1025&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-4\"\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        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        1 000 - 30 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>zmienne<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=5&offer_id=319&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-5\"\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=\"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        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        100 - 10 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        0 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>Pierwsza po\u017cyczka 0%, kolejne maks. 14,50%<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=6&offer_id=654&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-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        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        500 - 20 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        0 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>przy darmowej pozyczce<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=7&offer_id=325&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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=\"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        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        500 - 9 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=8&offer_id=1291&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-8\"\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=\"1283\"                             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 Miniratka<\/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\/h4eynshm5wi7k13sit27it.png\" alt=\"Miniratka - 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        2 - 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        500 - 150 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        0 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>0-14,5%<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        79 %                    <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\/miniratka?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=9&offer_id=1283&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Miniratka - 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 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        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        1 000 - 30 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        7 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>sta\u0142e<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=10&offer_id=297&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-10\"\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=\"1017\"                             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 taRata<\/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\/crbuy9qrla91p7ul65xll.png\" alt=\"taRata - 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 - 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        100 - 150 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        3,99 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>3,99% -11,61%<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        82 %                    <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\/tarata\/pozyczka-online?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=11&offer_id=1017&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"taRata - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-11\"\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        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        500 - 20 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>0% przy pierwszej darmowej po\u017cyczce<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=12&offer_id=302&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-12\"\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=\"1231\"                             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 Akcepto<\/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\/izxxc9jl1u8rqpiwr2kwg.png\" alt=\"Akcepto - 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        2 - 36 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        500 - 25 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>0-14,5% w zale\u017cno\u015bci od po\u017cyczkodawcy i rodzaju po\u017cyczki<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        75 %            <\/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\/akcepto?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=13&offer_id=1231&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Akcepto - 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 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=\"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        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        100 - 10 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        0,01 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=14&offer_id=1220&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-14\"\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        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        1 000 - 150 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>zmienne<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=15&offer_id=298&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-15\"\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=\"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        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        100 - 100 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        15,50 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=16&offer_id=1284&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-16\"\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=\"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        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        100 - 10 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=17&offer_id=1222&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-17\"\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=\"1236\"                             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 Payto<\/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\/03s0s7wk8wyrqn5r22tr55.png\" alt=\"Payto - 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 - 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        100 - 80 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        82 %                    <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\/payto?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=18&offer_id=1236&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Payto - 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 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=\"1296\"                             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\">YouKredyt<\/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\/7eszqqskqotz9pthzr707p.jpeg\" alt=\"YouKredyt - 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 - 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        100 - 150 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>W zale\u017cno\u015bci od po\u017cyczkodawcy<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        81 %                    <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\/youkredyt?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=19&offer_id=1296&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"YouKredyt - 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 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=\"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        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        300 - 7 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        0 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>14,5% dla kolejnej po\u017cyczki<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=20&offer_id=623&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-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=\"1219\"                             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\">Kredyt Got\u00f3wkowy Erste Bank Polska (dawniej Santander Bank Polska)<\/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\/santander.png\" alt=\"Erste Bank Polska - 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 - 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        500 - 30 000 z\u0142                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>do 9000 z\u0142 ca\u0142kowicie online<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        7,69 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        77 %            <\/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\/kredyt-na-start?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=21&offer_id=1219&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Erste Bank Polska - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-21\"\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=\"252\"                             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\/aasa.png\" alt=\"Aasa - 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        36 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        1 000 - 25 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>oprocentowanie zmienne<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        79 %                    <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\/aasa?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=22&offer_id=252&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Aasa - 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 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=\"76\"                             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\">Kredyt Got\u00f3wkowy VeloBank<\/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\/4wq7c0dpoehdat5bphfvl.png\" alt=\"Velo Bank - 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 - 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        500 - 300 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        8,10 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>zmienne<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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 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\/velo\/kredyt?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=23&offer_id=76&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Velo Bank - zobacz wi\u0119cej\"\n        target=\"_blank\" class=\"ranking-table__action-button js-ranking-table-action-button  \"\n        id=\"conversion-table-23\"\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=\"589\"                             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\">Online 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\/03\/300x100.png\" alt=\"Online 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        30 - 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        400 - 20 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        30 %                    <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\/onlinegotowka?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=24&offer_id=589&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"Online Got\u00f3wka - 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 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=\"1167\"                             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 CrediTu<\/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\/yqqvqsi81yhdiw0cn5ps1l.jpeg\" alt=\"CrediTu - 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 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        1 000 - 4 500 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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\/creditu\/chwilowka?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=25&offer_id=1167&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&aff_sub2=https:\/\/kontomierz.pl\/blog\" rel=\"nofollow\"\n        title=\"CrediTu - 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=\"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        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        3 000 - 5 000 z\u0142                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>nowy i sta\u0142y klient PL i UA: od 3.000 z\u0142 do 5.000 z\u0142 na okres 4 miesi\u0119cy.<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>\nw skali roku<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=26&offer_id=727&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-26\"\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        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        700 - 20 000 z\u0142                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>do 5000 dla nowego klienta<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=27&offer_id=332&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-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=\"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        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        100 - 100 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        7,20 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=28&offer_id=151&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-28\"\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=\"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        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        100 - 8 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        0 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=29&offer_id=327&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-29\"\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=\"1148\"                             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\">Provident \"naChwile\"<\/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 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        500 - 4 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        85 %            <\/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\/chwilowka\/provident-nachwile?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=30&offer_id=1148&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-30\"\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=\"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        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        100 - 100 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        15 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>zmienne<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=31&offer_id=138&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-31\"\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=\"353\"                             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\">Wonga Po\u017cyczka Ratalna<\/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        6 - 42 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        500 - 15 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        14,50 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>zmienne<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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\/wongaratalna?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=32&offer_id=353&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-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=\"1116\"                             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\">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        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        500 - 5 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        0 %                    <div class=\"ranking-table__cell-param-tooltip\">?\n    <span>16% w stosunku rocznym w przypadku nieterminowej sp\u0142aty<\/span>\n<\/div>\n            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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\/miloan?aff_sub=tresc&aff_sub3=Ratalki&aff_sub4=33&offer_id=1116&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-33\"\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        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        600 - 2 000 z\u0142            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Kwota<\/div>\n<\/td>\n                                                            <td class=\"ranking-table__cell ranking-table__cell-param\">\n    <div class=\"ranking-table__cell-param-value\">\n        2,50 %            <\/div>\n    <div class=\"ranking-table__cell-param-name\">Oprocentowanie<\/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=Ratalki&aff_sub4=34&offer_id=1150&source=https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92&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-34\"\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                                    <\/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 warunki z formularza informacyjnego i umowy u wybranej firmy \u2013 tam znajdziesz ostateczne RRSO, wysoko\u015b\u0107 raty i ca\u0142kowit\u0105 kwot\u0119 do zap\u0142aty.<\/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-sa-pozyczki-na-raty\">Co to s\u0105 po\u017cyczki na raty?<\/a><\/li><li class=\"\"><a href=\"#aktualne-oferty-pozyczek-na-raty\">Aktualne oferty po\u017cyczek na raty<\/a><\/li><li class=\"\"><a href=\"#zalety-pozyczek-na-raty\">Zalety po\u017cyczek na raty<\/a><\/li><li class=\"\"><a href=\"#ile-kosztuje-pozyczka-na-raty-limity-kosztow-w-2026-roku\">Ile kosztuje po\u017cyczka na raty? Limity koszt\u00f3w w 2026 roku<\/a><\/li><li class=\"\"><a href=\"#jak-wybrac-najlepsza-oferte-pozyczki-na-raty\">Jak wybra\u0107 najlepsz\u0105 ofert\u0119 po\u017cyczki na raty?<\/a><\/li><li class=\"\"><a href=\"#pozyczka-ratalna-online-co-jeszcze-warto-wiedziec\">Po\u017cyczka ratalna online \u2013 co jeszcze warto wiedzie\u0107?<\/a><\/li><li class=\"\"><a href=\"#rzeczywista-roczna-stopa-oprocentowania-dla-pozyczki-jak-ja-obliczyc\">Rzeczywista Roczna Stopa Oprocentowania dla po\u017cyczki \u2013 jak j\u0105 obliczy\u0107?<\/a><\/li><li class=\"\"><a href=\"#ocena-zdolnosci-kredytowej-a-pozyczki-na-raty\">Ocena zdolno\u015bci kredytowej a po\u017cyczki na raty<\/a><\/li><li class=\"\"><a href=\"#regulacje-prawne-dotyczace-pozyczek-na-raty\">Regulacje prawne dotycz\u0105ce po\u017cyczek na raty<\/a><\/li><li class=\"\"><a href=\"#twoje-prawa-przy-pozyczce-ratalnej\">Twoje prawa przy po\u017cyczce ratalnej<\/a><\/li><li class=\"\"><a href=\"#wniosek-o-pozyczke-na-raty\">Wniosek o po\u017cyczk\u0119 na raty<\/a><\/li><li class=\"\"><a href=\"#najczestsze-pytania-o-pozyczki-na-raty\">Najcz\u0119stsze pytania o po\u017cyczki na raty<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-to-sa-pozyczki-na-raty\">Co to s\u0105 po\u017cyczki na raty?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u017cyczka na raty to zobowi\u0105zanie sp\u0142acane w cyklicznych, najcz\u0119\u015bciej miesi\u0119cznych ratach, z kt\u00f3rych ka\u017cda zawiera cz\u0119\u015b\u0107 kapita\u0142ow\u0105 i odsetkow\u0105. Tym r\u00f3\u017cni si\u0119 od chwil\u00f3wki, kt\u00f3r\u0105 oddajesz w ca\u0142o\u015bci jednego dnia. Roz\u0142o\u017cenie sp\u0142aty na kilkana\u015bcie czy kilkadziesi\u0105t miesi\u0119cy obni\u017ca pojedyncz\u0105 rat\u0119, dzi\u0119ki czemu \u0142atwiej j\u0105 zmie\u015bci\u0107 w domowym bud\u017cecie obok pozosta\u0142ych wydatk\u00f3w.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ma to jednak cen\u0119. Odsetki naliczaj\u0105 si\u0119 od malej\u0105cego salda zad\u0142u\u017cenia przez ca\u0142y okres umowy, wi\u0119c <strong>im d\u0142u\u017cej sp\u0142acasz, tym wi\u0119cej oddajesz \u0142\u0105cznie<\/strong>. Wyb\u00f3r okresu sp\u0142aty to zawsze wyb\u00f3r mi\u0119dzy wysoko\u015bci\u0105 raty a ca\u0142kowitym kosztem \u2013 nie da si\u0119 obni\u017cy\u0107 obu naraz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kto-moze-skorzystac-z-pozyczek-na-raty\">Kto mo\u017ce skorzysta\u0107 z po\u017cyczek na raty?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Wymagania ustala ka\u017cdy po\u017cyczkodawca samodzielnie, ale zestaw podstawowych warunk\u00f3w jest zwykle podobny. Wnioskuj\u0105cy musi by\u0107:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>osob\u0105 pe\u0142noletni\u0105 \u2013 g\u00f3rn\u0105 granic\u0119 wieku ka\u017cda firma ustala w swoim regulaminie,<\/li>\n\n\n\n<li>osob\u0105 z pe\u0142n\u0105 zdolno\u015bci\u0105 do czynno\u015bci prawnych,<\/li>\n\n\n\n<li>posiadaczem numeru PESEL, wa\u017cnego dokumentu to\u017csamo\u015bci oraz rachunku bankowego prowadzonego na w\u0142asne dane,<\/li>\n\n\n\n<li>osob\u0105 z udokumentowanym \u017ar\u00f3d\u0142em dochodu \u2013 tak\u017ce z emerytury, renty, umowy zlecenia czy dzia\u0142alno\u015bci gospodarczej.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Firmy po\u017cyczkowe maj\u0105 zwykle \u0142agodniejsze kryteria ni\u017c banki i cz\u0119\u015bciej finansuj\u0105 osoby z kr\u00f3tk\u0105 histori\u0105 kredytow\u0105. Nie oznacza to jednak, \u017ce pomijaj\u0105 weryfikacj\u0119: instytucja po\u017cyczkowa <strong>uzale\u017cnia udzielenie kredytu konsumenckiego od pozytywnej oceny zdolno\u015bci kredytowej<\/strong> kredytobiorcy (art. 9a ust. 1 ustawy o kredycie konsumenckim). Cz\u0119\u015b\u0107 wniosk\u00f3w ko\u0144czy si\u0119 wi\u0119c odmow\u0105 \u2013 kolumna \u201ePrzyznawalno\u015b\u0107\u201d w zestawieniu pokazuje odsetek wniosk\u00f3w zaakceptowanych w ostatnich trzech miesi\u0105cach.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aktualne-oferty-pozyczek-na-raty\">Aktualne oferty po\u017cyczek na raty<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">W zestawieniu na tej stronie znajdziesz kilkadziesi\u0105t propozycji o bardzo r\u00f3\u017cnej skali. Kwoty zaczynaj\u0105 si\u0119 od 100 z\u0142, a najwy\u017csze limity si\u0119gaj\u0105 150 000 z\u0142 u firm po\u017cyczkowych i broker\u00f3w oraz 300 000 z\u0142 w ofertach bankowych. Okresy sp\u0142aty rozci\u0105gaj\u0105 si\u0119 od 1-2 miesi\u0119cy do 120 miesi\u0119cy, czyli dziesi\u0119ciu lat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zwr\u00f3\u0107 uwag\u0119 na trzy typy pozycji, bo r\u00f3\u017cni\u0105 si\u0119 tym, z kim ostatecznie podpiszesz umow\u0119:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Instytucje po\u017cyczkowe<\/strong> \u2013 umow\u0119 zawierasz bezpo\u015brednio z firm\u0105 widoczn\u0105 w zestawieniu.<\/li>\n\n\n\n<li><strong>Po\u015brednicy kredytowi<\/strong>, oznaczeni zwykle s\u0142owem \u201ebroker\u201d w nazwie karty. Wype\u0142niasz jeden wniosek, kt\u00f3ry trafia do sieci wsp\u00f3\u0142pracuj\u0105cych firm, ale umow\u0119 zawrzesz z konkretnym po\u017cyczkodawc\u0105 \u2013 i to jego cennik b\u0119dzie Ci\u0119 obowi\u0105zywa\u0142. Dlatego oprocentowanie w karcie brokera bywa opisane wide\u0142kami, a nie jedn\u0105 liczb\u0105.<\/li>\n\n\n\n<li><strong>Banki<\/strong> \u2013 kredyt got\u00f3wkowy bywa wyra\u017anie ta\u0144szy od po\u017cyczki pozabankowej, ale wymaga wy\u017cszej zdolno\u015bci kredytowej i zwykle dokument\u00f3w potwierdzaj\u0105cych doch\u00f3d.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Por\u00f3wnywarka skraca drog\u0119 do sensownego wyboru, bo pokazuje kwoty, okresy i oprocentowanie w jednym miejscu. Ostateczn\u0105 decyzj\u0119 podejmij jednak dopiero po sprawdzeniu formularza informacyjnego u wybranej firmy \u2013 to on zawiera wi\u0105\u017c\u0105ce RRSO i ca\u0142kowit\u0105 kwot\u0119 do zap\u0142aty dla Twoich parametr\u00f3w.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Zamiast po\u017cyczek sp\u0142acanych w ratach mo\u017cesz te\u017c wybra\u0107 <a href=\"https:\/\/kontomierz.pl\/blog\/chwilowki\/\" data-type=\"page\" data-id=\"75\">chwil\u00f3wki online<\/a>!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zalety-pozyczek-na-raty\">Zalety po\u017cyczek na raty<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Najwi\u0119ksz\u0105 przewag\u0105 rat nad sp\u0142at\u0105 jednorazow\u0105 jest przewidywalno\u015b\u0107. Znasz wysoko\u015b\u0107 raty i dat\u0119 jej pobrania, wi\u0119c mo\u017cesz zaplanowa\u0107 bud\u017cet na ca\u0142y okres umowy zamiast szuka\u0107 ca\u0142ej kwoty w ostatnim tygodniu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Elastyczny okres sp\u0142aty.<\/strong> Ten sam po\u017cyczkodawca zwykle pozwala wybra\u0107 d\u0142ugo\u015b\u0107 sp\u0142aty na suwaku, wi\u0119c rat\u0119 dopasowujesz do w\u0142asnych mo\u017cliwo\u015bci jeszcze przed z\u0142o\u017ceniem wniosku.<\/li>\n\n\n\n<li><strong>Minimum formalno\u015bci i wnioskowanie w ca\u0142o\u015bci zdalne.<\/strong> To\u017csamo\u015b\u0107 potwierdzisz przelewem weryfikacyjnym albo przez us\u0142ug\u0119 otwartej bankowo\u015bci opart\u0105 na dyrektywie PSD2.<\/li>\n\n\n\n<li><strong>Wy\u017csze kwoty ni\u017c przy chwil\u00f3wce.<\/strong> Roz\u0142o\u017cenie sp\u0142aty na miesi\u0105ce pozwala po\u017cyczy\u0107 wi\u0119cej, bo o zdolno\u015bci decyduje rata, a nie ca\u0142a kwota naraz.<\/li>\n\n\n\n<li><strong>Prawo do ta\u0144szej sp\u0142aty przed terminem.<\/strong> Gdy oddasz zobowi\u0105zanie wcze\u015bniej, ca\u0142kowity koszt obni\u017ca si\u0119 o koszty przypadaj\u0105ce na skr\u00f3cony okres \u2013 r\u00f3wnie\u017c o prowizj\u0119 zap\u0142acon\u0105 z g\u00f3ry (art. 49 ustawy o kredycie konsumenckim).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Raty maj\u0105 jednak te\u017c drug\u0105 stron\u0119. Roz\u0142o\u017cenie sp\u0142aty na lata oznacza wieloletnie obci\u0105\u017cenie bud\u017cetu i wy\u017cszy \u0142\u0105czny koszt, a ka\u017cde op\u00f3\u017anienie uruchamia odsetki za op\u00f3\u017anienie oraz op\u0142aty windykacyjne. Zanim wybierzesz najd\u0142u\u017cszy dost\u0119pny okres, sprawd\u017a, ile faktycznie oddasz.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"663\" height=\"828\" src=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/Zalety-pozyczek-na-raty-visual-selection.png\" alt=\"po\u017cyczki na raty maj\u0105 swoje zalety, ale i kilka wad\" class=\"wp-image-184\" srcset=\"https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/Zalety-pozyczek-na-raty-visual-selection.png 663w, https:\/\/kontomierz.pl\/blog\/wp-content\/uploads\/2025\/02\/Zalety-pozyczek-na-raty-visual-selection-240x300.png 240w\" sizes=\"auto, (max-width: 663px) 100vw, 663px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jak-wyglada-proces-ubiegania-sie-o-pozyczke-na-raty\">Jak wygl\u0105da proces ubiegania si\u0119 o po\u017cyczk\u0119 na raty?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Procedura jest kr\u00f3tka i w ca\u0142o\u015bci zdalna. Zwykle wystarczy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Z\u0142o\u017cenie wniosku online lub w oddziale firmy po\u017cyczkowej.<\/strong><\/li>\n\n\n\n<li><strong>Wa\u017cny dokument to\u017csamo\u015bci, numer telefonu kom\u00f3rkowego i adres e-mail.<\/strong><\/li>\n\n\n\n<li><strong>Wskazanie \u017ar\u00f3d\u0142a dochodu oraz <a href=\"https:\/\/kontomierz.pl\/blog\/konta\/osobiste\/\" data-type=\"page\" data-id=\"103\">konta bankowego<\/a> do wyp\u0142aty po\u017cyczki.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Firmy po\u017cyczkowe opieraj\u0105 decyzj\u0119 na danych z Biura Informacji Kredytowej albo z biur informacji gospodarczej, takich jak BIG InfoMonitor, KRD czy ERIF (art. 9a ust. 2 ustawy o kredycie konsumenckim). Dzi\u0119ki temu weryfikacja przebiega automatycznie, a decyzj\u0119 zwykle dostajesz w ci\u0105gu kilkunastu minut od z\u0142o\u017cenia kompletnego wniosku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jest jednak pr\u00f3g, powy\u017cej kt\u00f3rego same bazy nie wystarcz\u0105. Je\u017celi ca\u0142kowita kwota kredytu 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 wysoko\u015b\u0107 dochodu (art. 9a ust. 3). W 2026 roku minimalne wynagrodzenie wynosi 4806 z\u0142, wi\u0119c pr\u00f3g ten to <strong>9612 z\u0142<\/strong>. Przy po\u017cyczkach ratalnych na kilkana\u015bcie czy kilkadziesi\u0105t tysi\u0119cy z\u0142otych dokumenty dochodowe s\u0105 zatem regu\u0142\u0105, a nie wyj\u0105tkiem \u2013 o\u015bwiadczenie staje si\u0119 za\u0142\u0105cznikiem do umowy (art. 9a ust. 4).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"przyklad-reprezentatywny-pozyczki-na-raty\">Przyk\u0142ad reprezentatywny po\u017cyczki na raty \u2013 jak go czyta\u0107?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Przyk\u0142ad reprezentatywny to obowi\u0105zkowy element informacji przedumownej: kredytodawca musi poda\u0107 RRSO na przyk\u0142adzie obejmuj\u0105cym wszystkie za\u0142o\u017cenia przyj\u0119te do jej obliczenia (art. 13 ust. 1 pkt 7a ustawy o kredycie konsumenckim). Je\u015bli wska\u017cesz interesuj\u0105c\u0105 Ci\u0119 kwot\u0119 lub okres, powinny si\u0119 w tym przyk\u0142adzie znale\u017a\u0107. Uwaga: przyk\u0142ad reprezentatywny <strong>niczego nie gwarantuje<\/strong> \u2013 wi\u0105\u017ce dopiero umowa, kt\u00f3r\u0105 podpiszesz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poni\u017cej pokazujemy, jak czyta si\u0119 taki zestaw liczb. To wyliczenie pogl\u0105dowe, a nie oferta konkretnej firmy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ca\u0142kowita kwota po\u017cyczki: 10 000 z\u0142<\/strong><\/li>\n\n\n\n<li><strong>Okres sp\u0142aty: 24 miesi\u0105ce<\/strong><\/li>\n\n\n\n<li><strong>Prowizja: 1000 z\u0142<\/strong> (prowizja skredytowana \u2013 rata annuitetowa liczona jest od 11 000 z\u0142, czyli kwoty po\u017cyczki powi\u0119kszonej o prowizj\u0119, a nie od samych 10 000 z\u0142)<\/li>\n\n\n\n<li><strong>Oprocentowanie nominalne: 14,50% w skali roku<\/strong> \u2013 tyle wynosz\u0105 odsetki maksymalne w sierpniu 2026 r.<\/li>\n\n\n\n<li><strong>Miesi\u0119czna rata: 530,74 z\u0142<\/strong><\/li>\n\n\n\n<li><strong>Ca\u0142kowita kwota do zap\u0142aty: 12 737,76 z\u0142<\/strong>, czyli koszt 2737,76 z\u0142<\/li>\n\n\n\n<li><strong>RRSO: 27,33%<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Test, kt\u00f3ry warto zrobi\u0107 przy ka\u017cdej ofercie, jest prosty: <strong>rata pomno\u017cona przez liczb\u0119 rat musi r\u00f3wna\u0107 si\u0119 ca\u0142kowitej kwocie do zap\u0142aty<\/strong>. Tutaj 530,74 z\u0142 \u00d7 24 = 12 737,76 z\u0142, wi\u0119c liczby si\u0119 zgadzaj\u0105. Je\u015bli w jakim\u015b zestawieniu ten iloczyn nie wychodzi, to znak, \u017ce przyk\u0142ad jest niekompletny albo b\u0142\u0119dny \u2013 popro\u015b wtedy o formularz informacyjny.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ile-kosztuje-pozyczka-na-raty-limity-kosztow-w-2026-roku\">Ile kosztuje po\u017cyczka na raty? Limity koszt\u00f3w w 2026 roku<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Koszty po\u017cyczki konsumenckiej nie s\u0105 dowolne \u2013 prawo wyznacza im g\u00f3rne granice. 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: 10% kwoty plus 10% za ka\u017cdy rok sp\u0142aty.<\/strong> Wz\u00f3r to 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>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 za zaleg\u0142o\u015bci razem z 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).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Przy po\u017cyczkach ratalnych szczeg\u00f3lnie istotny jest ten twardy limit 45%. Wz\u00f3r z art. 36a ust. 1 ro\u015bnie wraz z okresem sp\u0142aty: dla 24 miesi\u0119cy daje 30% kwoty kredytu (10% plus dwa razy po 10%), dla 60 miesi\u0119cy \u2013 60%, a dla 120 miesi\u0119cy a\u017c 110%. Powy\u017cej trzech i p\u00f3\u0142 roku sp\u0142aty wz\u00f3r przestaje mie\u0107 praktyczne znaczenie, bo <strong>koszty pozaodsetkowe i tak nie mog\u0105 przekroczy\u0107 45% po\u017cyczonej kwoty<\/strong>. Do tego limitu nie wlicza si\u0119 natomiast oprocentowania \u2013 odsetki rozlicza si\u0119 osobno, w granicach 14,50% rocznie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dla po\u017cyczki 10 000 z\u0142 na 24 miesi\u0105ce oznacza to: prowizja i inne op\u0142aty pozaodsetkowe maksymalnie 3000 z\u0142 (wynik wzoru, poni\u017cej limitu 4500 z\u0142), plus odsetki naliczane od malej\u0105cego salda wed\u0142ug stopy nie wy\u017cszej ni\u017c 14,50% w skali roku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-wybrac-najlepsza-oferte-pozyczki-na-raty\">Jak wybra\u0107 najlepsz\u0105 ofert\u0119 po\u017cyczki na raty?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Najlepsza oferta to nie ta z najni\u017csz\u0105 rat\u0105, tylko ta, kt\u00f3r\u0105 sp\u0142acisz bez uszczerbku dla reszty bud\u017cetu. Por\u00f3wnuj oferty o zbli\u017conej kwocie i okresie \u2013 inaczej RRSO wprowadzi Ci\u0119 w b\u0142\u0105d.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ca\u0142kowita kwota do zap\u0142aty.<\/strong> To jedyna liczba, kt\u00f3ra m\u00f3wi wprost, ile oddasz. Odnie\u015b j\u0105 do kwoty, kt\u00f3r\u0105 faktycznie potrzebujesz.<\/li>\n\n\n\n<li><strong>Wysoko\u015b\u0107 raty na tle bud\u017cetu.<\/strong> Policz rat\u0119 wzgl\u0119dem dochodu pomniejszonego o sta\u0142e wydatki, a nie wzgl\u0119dem samego dochodu.<\/li>\n\n\n\n<li><strong>Okres sp\u0142aty.<\/strong> Najd\u0142u\u017cszy dost\u0119pny okres daje najni\u017csz\u0105 rat\u0119 i najwy\u017cszy koszt. Wybieraj najkr\u00f3tszy, jaki ud\u017awigniesz.<\/li>\n\n\n\n<li><strong>Struktura koszt\u00f3w.<\/strong> Sprawd\u017a osobno prowizj\u0119, op\u0142at\u0119 przygotowawcz\u0105, oprocentowanie i ewentualne ubezpieczenie. Wysoka prowizja pobrana z g\u00f3ry boli mniej, gdy wiesz, \u017ce przy wcze\u015bniejszej sp\u0142acie odzyskasz jej cz\u0119\u015b\u0107 (art. 49).<\/li>\n\n\n\n<li><strong>Koszty op\u00f3\u017anienia.<\/strong> Odsetki za op\u00f3\u017anienie, op\u0142aty za monity i zasady przed\u0142u\u017cenia sp\u0142aty znajdziesz w umowie. Warto je zna\u0107, zanim b\u0119d\u0105 potrzebne.<\/li>\n\n\n\n<li><strong>Wpis firmy do rejestru KNF.<\/strong> 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 \u2013 po wpisie do rejestru po\u015brednik\u00f3w kredytowych (art. 59da ust. 1). Wyszukiwark\u0119 znajdziesz pod adresem rpkip.knf.gov.pl.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pozyczka-ratalna-online-co-jeszcze-warto-wiedziec\">Po\u017cyczka ratalna online \u2013 co jeszcze warto wiedzie\u0107?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u017cyczk\u0119 rataln\u0105 online za\u0142atwisz zdalnie \u2013 od wniosku po podpisanie umowy. W kilku miejscach rzeczywisto\u015b\u0107 r\u00f3\u017cni si\u0119 jednak od tego, co obiecuje reklama.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"szybki-proces-wnioskowania\">Szybki proces wnioskowania<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Wype\u0142nienie wniosku zajmuje kilka minut, a systemy oceniaj\u0105ce dzia\u0142aj\u0105 automatycznie na danych z baz. Szybko\u015b\u0107 nie zwalnia jednak firmy z obowi\u0105zk\u00f3w: to na instytucji po\u017cyczkowej spoczywa ci\u0119\u017car wykazania, \u017ce ocena zdolno\u015bci kredytowej zosta\u0142a przeprowadzona zgodnie z ustaw\u0105 (art. 9a ust. 4 ustawy o kredycie konsumenckim). Je\u015bli wi\u0119c firma prosi o dokumenty dochodowe, nie utrudnia \u2013 wykonuje obowi\u0105zek.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mozliwosc-porownania-ofert-pozyczek-ratalnych\">Mo\u017cliwo\u015b\u0107 por\u00f3wnania ofert po\u017cyczek ratalnych<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Zestawienie w jednym miejscu pozwala odsia\u0107 oferty, kt\u00f3re w og\u00f3le nie obejmuj\u0105 interesuj\u0105cej Ci\u0119 kwoty lub okresu. Dopiero na kr\u00f3tkiej li\u015bcie przechodzi si\u0119 do szczeg\u00f3\u0142\u00f3w: RRSO, ca\u0142kowitej kwoty do zap\u0142aty i wysoko\u015bci raty dla konkretnych parametr\u00f3w. Dane w por\u00f3wnywarkach s\u0105 orientacyjne i mog\u0105 r\u00f3\u017cni\u0107 si\u0119 od ostatecznej decyzji \u2013 Twoja indywidualna oferta zale\u017cy od oceny zdolno\u015bci kredytowej.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kwota-powyzej-limitu-kredytu-konsumenckiego\">Kwota powy\u017cej limitu kredytu konsumenckiego<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ustawa o kredycie konsumenckim obejmuje umowy do 255 550 z\u0142 zawierane z konsumentem (art. 3 ust. 1). W zestawieniu znajdziesz jednak tak\u017ce oferty bankowe si\u0119gaj\u0105ce 300 000 z\u0142. Powy\u017cej progu ustawowego opisane ni\u017cej uprawnienia \u2013 w tym 14 dni na odst\u0105pienie czy limit koszt\u00f3w pozaodsetkowych \u2013 nie znajd\u0105 zastosowania. Wyj\u0105tkiem jest kredyt niezabezpieczony hipotek\u0105 przeznaczony na remont domu albo lokalu mieszkalnego: ten pozostaje kredytem konsumenckim tak\u017ce powy\u017cej limitu (art. 3 ust. 1a).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rzeczywista-roczna-stopa-oprocentowania-dla-pozyczki-jak-ja-obliczyc\">Rzeczywista Roczna Stopa Oprocentowania dla po\u017cyczki \u2013 jak j\u0105 obliczy\u0107?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ustawa definiuje RRSO jako ca\u0142kowity koszt kredytu ponoszony przez konsumenta, wyra\u017cony jako warto\u015b\u0107 procentowa ca\u0142kowitej kwoty kredytu w stosunku rocznym (art. 5 pkt 12 ustawy o kredycie konsumenckim). Innymi s\u0142owy: to nie jest oprocentowanie, tylko wszystkie koszty przeliczone na wsp\u00f3ln\u0105, roczn\u0105 skal\u0119.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do wyliczenia RRSO kredytodawca uwzgl\u0119dnia ca\u0142kowity koszt kredytu ponoszony przez konsumenta, z wy\u0142\u0105czeniem op\u0142at za niewykonanie zobowi\u0105za\u0144 z umowy, a tak\u017ce koszty prowadzenia rachunku, przelew\u00f3w i wp\u0142at, je\u015bli otwarcie rachunku jest obowi\u0105zkowe (art. 25 ust. 1). Sam wz\u00f3r matematyczny wraz z za\u0142o\u017ceniami zawiera za\u0142\u0105cznik nr 4 do ustawy \u2013 dlatego RRSO liczone przez r\u00f3\u017cne firmy dla identycznych parametr\u00f3w powinno wyj\u015b\u0107 takie samo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aby samodzielnie odtworzy\u0107 wynik, potrzebujesz czterech danych:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ca\u0142kowitej kwoty kredytu, czyli sumy wyp\u0142aconej Ci na rachunek,<\/li>\n\n\n\n<li>harmonogramu sp\u0142aty: liczby rat i ich wysoko\u015bci,<\/li>\n\n\n\n<li>oprocentowania nominalnego,<\/li>\n\n\n\n<li>wszystkich op\u0142at obowi\u0105zkowych: prowizji, op\u0142aty przygotowawczej, ubezpieczenia wymaganego umow\u0105.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">W praktyce RRSO s\u0142u\u017cy do jednego: por\u00f3wnywania ofert o zbli\u017conej kwocie i okresie. Przy r\u00f3\u017cnych terminach sp\u0142aty patrz przede wszystkim na ca\u0142kowit\u0105 kwot\u0119 do zap\u0142aty, bo kr\u00f3tszy okres sam z siebie podbija wynik przeliczenia rocznego.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wykorzystaj <a href=\"https:\/\/kontomierz.pl\/blog\/ranking-lokat\/\" data-type=\"post\" data-id=\"81\">nasz ranking lokat<\/a>, aby pomno\u017cy\u0107 swoje oszcz\u0119dno\u015bci!<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ocena-zdolnosci-kredytowej-a-pozyczki-na-raty\">Ocena zdolno\u015bci kredytowej a po\u017cyczki na raty<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ocena zdolno\u015bci kredytowej to obowi\u0105zek kredytodawcy, a nie uprzejmo\u015b\u0107 wobec klienta. Kredytodawca ma jej dokona\u0107 przed zawarciem umowy, na podstawie informacji od konsumenta albo z odpowiednich baz danych (art. 9 ust. 1 i 2 ustawy o kredycie konsumenckim). Instytucji po\u017cyczkowej ustawa stawia poprzeczk\u0119 wy\u017cej: mo\u017ce udzieli\u0107 kredytu wy\u0142\u0105cznie przy <em>pozytywnym<\/em> wyniku tej oceny (art. 9a ust. 1).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Analiza opiera si\u0119 na danych od zaufanych dostawc\u00f3w \u2013 Biura Informacji Kredytowej lub biur informacji gospodarczej (art. 9a ust. 2). Wida\u0107 w nich Twoje dotychczasowe zobowi\u0105zania, terminowo\u015b\u0107 sp\u0142at oraz zaleg\u0142o\u015bci zg\u0142oszone przez wierzycieli. Dane, kt\u00f3re pos\u0142u\u017cy\u0142y do oceny, firma przechowuje przez trzy lata od ustania stosunku prawnego (art. 9a ust. 4).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Przy wy\u017cszych kwotach dochodzi obowi\u0105zek dokumentowy opisany wy\u017cej: powy\u017cej 9612 z\u0142, czyli dwukrotno\u015bci minimalnego wynagrodzenia w 2026 roku, firma odbiera o\u015bwiadczenie o dochodach i sta\u0142ych wydatkach wraz z dokumentami (art. 9a ust. 3). Przygotuj wi\u0119c za\u015bwiadczenie o zarobkach, wyci\u0105g z rachunku albo PIT za ostatni rok \u2013 przyspieszy to decyzj\u0119.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Odmowa nie jest kar\u0105, tylko sygna\u0142em. Je\u017celi kilka firm z rz\u0119du odmawia, kolejny wniosek raczej nie zmieni wyniku \u2013 lepiej sprawdzi\u0107 w\u0142asny raport z BIK i biur informacji gospodarczej, a dopiero potem wraca\u0107 do rynku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"regulacje-prawne-dotyczace-pozyczek-na-raty\">Regulacje prawne dotycz\u0105ce po\u017cyczek na raty<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u017cyczka ratalna zaci\u0105gni\u0119ta przez konsumenta na kwot\u0119 do 255 550 z\u0142 jest kredytem konsumenckim (art. 3 ust. 1 ustawy z 12 maja 2011 r. o kredycie konsumenckim). Ten status uruchamia ca\u0142y system ochrony, zbudowany z kilku akt\u00f3w prawnych.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ustawa o kredycie konsumenckim<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Reguluje obowi\u0105zki informacyjne przed zawarciem umowy i jej tre\u015b\u0107, limit koszt\u00f3w pozaodsetkowych (art. 36a-36c), prawo do odst\u0105pienia i do wcze\u015bniejszej sp\u0142aty, a tak\u017ce zasady oceny zdolno\u015bci kredytowej. Postanowienia umowy nie mog\u0105 wy\u0142\u0105cza\u0107 ani ogranicza\u0107 uprawnie\u0144 konsumenta przewidzianych w ustawie \u2013 w takim przypadku stosuje si\u0119 przepisy ustawy (art. 47).<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Ustawa antylichwiarska<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Ustawa z 6 pa\u017adziernika 2022 r. o zmianie ustaw w celu przeciwdzia\u0142ania lichwie obni\u017cy\u0142a limit koszt\u00f3w pozaodsetkowych do dzisiejszego poziomu, wprowadzi\u0142a obowi\u0105zek pozytywnej oceny zdolno\u015bci kredytowej dla instytucji po\u017cyczkowych (art. 9a, obowi\u0105zuj\u0105cy od 18 maja 2023 r.) oraz odda\u0142a sektor pod nadz\u00f3r Komisji Nadzoru Finansowego \u2013 od 1 stycznia 2024 r. dzia\u0142alno\u015b\u0107 instytucji po\u017cyczkowych w zakresie udzielania kredytu konsumenckiego podlega temu nadzorowi (art. 59df ust. 1 ustawy o kredycie konsumenckim).<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Kodeks cywilny<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Wyznacza odsetki maksymalne \u2013 14,50% w skali roku (art. 359 \u00a7 2\u00b9) \u2013 oraz odsetki maksymalne za op\u00f3\u017anienie w wysoko\u015bci 18,50% (art. 481 \u00a7 2\u00b9). Postanowienia umowne nie mog\u0105 tych limit\u00f3w wy\u0142\u0105czy\u0107 ani ograniczy\u0107, tak\u017ce przy wyborze prawa obcego (art. 359 \u00a7 2\u00b3 i art. 481 \u00a7 2\u00b3).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">W sporze z po\u017cyczkodawc\u0105 wsparcie oferuj\u0105 instytucje publiczne. Reklamacj\u0119 sk\u0142adasz najpierw u kredytodawcy; je\u015bli jej nie uwzgl\u0119dni, spraw\u0119 mo\u017cesz skierowa\u0107 do <strong>Rzecznika Finansowego<\/strong>. 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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"twoje-prawa-przy-pozyczce-ratalnej\">Twoje prawa przy po\u017cyczce ratalnej<\/h2>\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 ustawy o kredycie konsumenckim).<\/li>\n\n\n\n<li><strong>Ta\u0144sza sp\u0142ata przed terminem.<\/strong> Przy sp\u0142acie ca\u0142o\u015bci lub cz\u0119\u015bci kredytu przed terminem ca\u0142kowity koszt 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). Przy po\u017cyczce ratalnej to najskuteczniejszy spos\u00f3b na obni\u017cenie kosztu.<\/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). Masz prawo zabra\u0107 go i policzy\u0107 wszystko na spokojnie.<\/li>\n\n\n\n<li><strong>Umowa z pe\u0142nym zestawem informacji.<\/strong> Ustawa wylicza, co musi si\u0119 w niej znale\u017a\u0107 \u2013 od ca\u0142kowitej kwoty kredytu i RRSO po zasady sp\u0142aty i skutki zaleg\u0142o\u015bci (art. 30 ust. 1).<\/li>\n\n\n\n<li><strong>Sankcja kredytu darmowego.<\/strong> Je\u017celi kredytodawca naruszy wskazane w ustawie obowi\u0105zki, w tym limity koszt\u00f3w z art. 36a-36c, po z\u0142o\u017ceniu pisemnego o\u015bwiadczenia zwracasz 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 skutkami zastrze\u017cenia numeru PESEL.<\/strong> Kredytodawca ma obowi\u0105zek sprawdzi\u0107 rejestr zastrze\u017ce\u0144 numer\u00f3w PESEL przed zawarciem umowy oraz przed jej zmian\u0105 zwi\u0119kszaj\u0105c\u0105 zad\u0142u\u017cenie (art. 9b ust. 1). Je\u017celi udzieli kredytu mimo zastrze\u017cenia, nie mo\u017ce domaga\u0107 si\u0119 sp\u0142aty ani zby\u0107 wierzytelno\u015bci (art. 9b ust. 2).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wniosek-o-pozyczke-na-raty\">Wniosek o po\u017cyczk\u0119 na raty<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u0142o\u017cenie wniosku zajmuje kilkana\u015bcie minut, ale warto przej\u015b\u0107 przez kolejne kroki bez po\u015bpiechu.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Wybierz po\u017cyczkodawc\u0119 i na jego kalkulatorze ustaw kwot\u0119 oraz okres sp\u0142aty. Zanotuj wy\u015bwietlon\u0105 rat\u0119, ca\u0142kowit\u0105 kwot\u0119 do zap\u0142aty i RRSO.<\/li>\n\n\n\n<li>Uzupe\u0142nij wniosek: imi\u0119, nazwisko, adres, PESEL, seri\u0119 i numer dokumentu to\u017csamo\u015bci, numer telefonu, adres e-mail oraz numer rachunku bankowego.<\/li>\n\n\n\n<li>Podaj \u017ar\u00f3d\u0142o i wysoko\u015b\u0107 dochodu oraz sta\u0142e wydatki gospodarstwa domowego. Przy kwotach powy\u017cej 9612 z\u0142 przygotuj dokumenty potwierdzaj\u0105ce doch\u00f3d \u2013 s\u0105 obowi\u0105zkowe.<\/li>\n\n\n\n<li>Zweryfikuj to\u017csamo\u015b\u0107 przelewem weryfikacyjnym albo przez us\u0142ug\u0119 otwartej bankowo\u015bci.<\/li>\n\n\n\n<li>Przeczytaj formularz informacyjny i projekt umowy. Sprawd\u017a harmonogram rat, koszty op\u00f3\u017anienia i warunki wcze\u015bniejszej sp\u0142aty.<\/li>\n\n\n\n<li>Podpisz umow\u0119 i czekaj na wyp\u0142at\u0119. Termin pierwszej raty zapisz od razu w kalendarzu, a je\u015bli to mo\u017cliwe \u2013 ustaw zlecenie sta\u0142e kilka dni przed terminem.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u017celi w trakcie sp\u0142aty pojawi si\u0119 problem, zg\u0142o\u015b go po\u017cyczkodawcy <em>przed<\/em> terminem raty. Firmy zwykle proponuj\u0105 wtedy wyd\u0142u\u017cenie okresu albo zmian\u0119 harmonogramu. Zaci\u0105ganie kolejnej po\u017cyczki na sp\u0142at\u0119 bie\u017c\u0105cej to natomiast najprostsza droga do spirali zad\u0142u\u017cenia \u2013 i najcz\u0119stszy pow\u00f3d, dla kt\u00f3rego wygodne raty zamieniaj\u0105 si\u0119 w problem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"najczestsze-pytania-o-pozyczki-na-raty\">Najcz\u0119stsze pytania o po\u017cyczki na raty<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Ile maksymalnie mog\u0119 po\u017cyczy\u0107 na raty?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">W ofertach z zestawienia g\u00f3rne limity si\u0119gaj\u0105 150 000 z\u0142 u firm po\u017cyczkowych i broker\u00f3w oraz 300 000 z\u0142 w propozycjach bankowych. Realna kwota zale\u017cy jednak od Twojej zdolno\u015bci kredytowej, a nie od maksimum w cenniku. Pami\u0119taj te\u017c, \u017ce ochrona z ustawy o kredycie konsumenckim obejmuje umowy do 255 550 z\u0142 (art. 3 ust. 1).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Czy przy po\u017cyczce na raty potrzebne s\u0105 dokumenty dochodowe?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Powy\u017cej dwukrotno\u015bci minimalnego wynagrodzenia, czyli 9612 z\u0142 w 2026 roku, firma ma ustawowy obowi\u0105zek odebra\u0107 o\u015bwiadczenie o dochodach i sta\u0142ych wydatkach wraz z dokumentami potwierdzaj\u0105cymi doch\u00f3d (art. 9a ust. 3 ustawy o kredycie konsumenckim). 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\">Czy op\u0142aca si\u0119 sp\u0142aci\u0107 po\u017cyczk\u0119 rataln\u0105 wcze\u015bniej?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Zwykle tak. Ca\u0142kowity koszt kredytu obni\u017ca si\u0119 o koszty przypadaj\u0105ce na okres, o kt\u00f3ry skr\u00f3cono umow\u0119, i dotyczy to r\u00f3wnie\u017c prowizji zap\u0142aconej z g\u00f3ry (art. 49 ust. 1 i 2). Im wcze\u015bniej sp\u0142acisz, tym wi\u0119ksza cz\u0119\u015b\u0107 koszt\u00f3w wraca do Ciebie. Nadp\u0142at\u0119 zg\u0142o\u015b pisemnie i popro\u015b o nowy harmonogram.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Czym r\u00f3\u017cni si\u0119 po\u017cyczka ratalna od kredytu got\u00f3wkowego w banku?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Konstrukcj\u0105 s\u0105 zbli\u017cone \u2013 obie sp\u0142acasz w ratach i obie s\u0105 kredytem konsumenckim do 255 550 z\u0142. R\u00f3\u017cnica le\u017cy w podmiocie i kryteriach: bank zwykle oferuje ni\u017cszy koszt, ale wymaga wy\u017cszej zdolno\u015bci kredytowej i dok\u0142adniejszej dokumentacji dochodu. Firma po\u017cyczkowa dzia\u0142a szybciej i bywa bardziej dost\u0119pna, za co pobiera wy\u017csz\u0105 cen\u0119.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Co si\u0119 stanie, gdy sp\u00f3\u017ani\u0119 si\u0119 z rat\u0105?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Firma naliczy odsetki za op\u00f3\u017anienie \u2013 najwy\u017cej 18,50% w skali roku (art. 481 \u00a7 2\u00b9 Kodeksu cywilnego) \u2013 oraz op\u0142aty za monity przewidziane w umowie. Ich suma nie mo\u017ce jednak przekroczy\u0107 kwoty odsetek maksymalnych za op\u00f3\u017anienie liczonych od zaleg\u0142o\u015bci (art. 33a ustawy o kredycie konsumenckim). Informacja o zaleg\u0142o\u015bci trafia te\u017c do BIK lub do biura informacji gospodarczej (art. 9a ust. 8).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak sprawdzi\u0107, czy firma 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 musi figurowa\u0107 w rejestrze instytucji po\u017cyczkowych (art. 59aa ust. 1), a po\u015brednik kredytowy \u2013 w rejestrze po\u015brednik\u00f3w kredytowych (art. 59da ust. 1). Brak wpisu 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. Wyliczenia w tek\u015bcie s\u0105 pogl\u0105dowe \u2013 warunki konkretnych ofert weryfikuj bezpo\u015brednio u po\u017cyczkodawcy. Po\u017cyczaj odpowiedzialnie i dopasuj rat\u0119 do swoich mo\u017cliwo\u015bci sp\u0142aty.<\/em><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Po\u017cyczka na raty rozk\u0142ada sp\u0142at\u0119 na miesi\u0105ce, zamiast \u017c\u0105da\u0107 ca\u0142ej kwoty jednego dnia. To wygodniejsze dla bud\u017cetu, ale nie ta\u0144sze: im d\u0142u\u017cszy okres, tym ni\u017csza rata i tym wy\u017cszy \u0142\u0105czny koszt. Poni\u017cej znajdziesz zestawienie ofert firm po\u017cyczkowych, po\u015brednik\u00f3w i bank\u00f3w, a pod nim wszystko, co trzeba policzy\u0107 i sprawdzi\u0107, zanim podpiszesz umow\u0119 \u2013 od ustawowych [&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-92","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92","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=92"}],"version-history":[{"count":8,"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92\/revisions"}],"predecessor-version":[{"id":457,"href":"https:\/\/kontomierz.pl\/blog\/wp-json\/wp\/v2\/pages\/92\/revisions\/457"}],"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=92"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}