Have you come to Poland for work, studies, or are you planning to stay longer? You may be wondering, how to get a loan in Poland as a foreigner. This is an important step towards building financial independence and stability in a new country. Whether you dream of owning your own apartment, a car, or need funds to develop a business – there are many opportunities to obtain a loan for migrants in Poland.
👉 Are you looking for an apartment that immediately meets the bank's requirements for a mortgage? Check out our current offers at AtlantEstates.com.
Why is a loan in Poland a good solution for foreigners?
A loan in Poland for foreigners (migrants) is not only an opportunity to finance important purchases. Regularly repaying installments builds your local credit history in BIK, which may allow you to receive even more favorable terms in the future, for example, with a mortgage.
✅ A loan in Poland for migrants allows for:
- the purchase of an apartment or house (mortgage),
- the purchase of a car (car loan / leasing),
- financing the furnishing of an apartment or household appliances (consumer loan),
- support for starting a business (business loan for migrants).
Thanks to stable income, legal residency, and good documentation, banks in Poland are also willing to cooperate with citizens of Ukraine, Belarus, Georgia, or Moldova.
Mortgage in Poland for Ukrainians and other migrants
What does the process look like?
If you plan to stay in Poland longer, buying your own apartment is often the best solution. A mortgage in Poland for Ukrainians or Belarusians is definitely possible, but it requires:
- documented income (employment contract / business activity),
- legal residency (residence card / PESEL / Pole's Card),
- own contribution (usually at least 10-20%).
On the website AtlantEstates.com, you will find apartments that meet the banks' requirements for mortgage loans in Poland.
Documents needed for a mortgage in Poland:
- passport and residence card,
- PESEL (if you have one),
- employment contract or KPiR with DG,
- bank statements (confirming salary deposits),
- sometimes a certificate from the employer or tax documents.
📌 You can learn more about loan procedures during an individual consultation with our financial advisor. Feel free to contact us through the form on AtlantEstates.com.
Car loan and leasing in Poland for migrants
For those who need a car for work or daily commutes, a car loan or leasing in Poland for foreigners is a good solution. It is often easier than a mortgage – usually requiring a shorter employment history and a lower own contribution.
🚗 Popular car dealership brands in Poland cooperate with banks that have simplified procedures for citizens of Ukraine, Belarus, or Georgia.
Consumer loan in Poland for migrants
Do you want to buy equipment for your apartment, a computer, a smartphone, or pay for a language course? A cash loan (consumer loan) is a quick way to obtain financing, often even within one day. In many banks, you only need:
- passport,
- PESEL or residence card,
- income certificate.
With a good repayment history, you can build your score and in the future count on a larger loan.
Business loan in Poland – for entrepreneurs and freelancers
Are you planning to start a business in Poland? As a migrant, you can set up a sole proprietorship (JDG) or a limited liability company and take advantage of loans for businesses.
💼 Banks often offer special loan packages for new enterprises, which include:
- working capital loans (for daily operations),
- investment loans (e.g., for purchasing machinery),
- equipment leasing.
Check how we can help you find a location for your business and handle the formalities: Business Consulting – Atlant Estates.
How to improve your chances of getting a loan in Poland?
Build a positive credit history
- Use a debit card and pay for purchases with the card so that the bank can see your activity.
- Always pay your bills (electricity, phone, internet) on time.
- Consider taking a small consumer loan and repaying it on time.
Ensure stable employment and documentation
Banks in Poland prefer stable clients with an indefinite employment contract. If you run a business, show regular income.
Frequently Asked Questions by Migrants about Loans in Poland
Can you get a loan in Poland with a residence permit?
Yes, most banks issue loans to migrants.