How to get a loan in Poland for migrants – a step-by-step guide

Have you come to Poland for work, studies or are you planning to stay here for a long time? You may be wondering how to get a loan in Poland as a foreigner. This is an important step to building financial independence and stability in your new country. Whether you dream of having your own apartment, car or need funds to develop your business, there are many opportunities for migrants to get credit in Poland.

👉 Looking for an apartment that will meet the bank’s requirements for a mortgage right away? Check out our current listings at AtlantEstates.com.

Why is a loan in Poland a good option for foreigners?

Credit in Poland for foreigners (migrants) is not only a chance to finance important purchases. Regular repayment of installments builds your local credit history in the BIK, thanks to which in the future you can receive even more favorable terms, for example, for a mortgage.

✅ Credit in Poland for migrants allows:

• Purchase of an apartment or house (mortgage),
• purchase of a car (autocredit / leasing),
• Financing home furnishings or appliances (consumer credit),
• Business start-up support (business credit for migrants).

With stable income, legal residency and good documentation, banks in Poland are also willing to work with citizens of Ukraine, Belarus, Georgia or Moldova.

Mortgage loan in Poland for Ukrainians and other migrants

What does the process look like?

If you plan to stay in Poland for a long time, buying your own apartment is often the best solution. A mortgage in Poland for Ukrainians or Belarusians is as possible, but requires:

• Documented income (employment contract / business),
• legal residence (residence card / PESEL / Pole’s card),
• Own contribution (usually min. 10-20%).

At AtlantEstates.com you will find apartments in a standard that meets the conditions of banks for mortgages in Poland.

Documents needed for a mortgage in Poland:

• passport and residence card,
• PESEL (if you have one),
• Employment contract or P&C with DG,
• Bank statements (confirming salary receipts),
• sometimes a certificate from the employer or tax documents.

📌 Learn more about the loan procedures during an individual consultation with our financial advisor. Feel free to contact us via the form at AtlantEstates.com.

Autocredit and car leasing in Poland for migrants

For those who need a car for work or daily commuting, an auto loan or lease in Poland for foreigners is a good option. This is often easier than a mortgage – a shorter length of employment and a lower down payment are usually required.

🚗 Popular car dealership brands in Poland cooperate with banks that have simplified procedures for citizens of Ukraine, Belarus or Georgia.

Consumer credit in Poland for migrants

Want to buy equipment for your home, a computer, a smartphone or pay for a language course? A cash (consumer) loan is a quick way to get financing, often even within a day. At many banks, all you need is:

• Passport,
• PESEL or residence card,
• income certificate.

With a good repayment history, you can build your credit score and hope for a larger loan in the future.

Company credit in Poland – for entrepreneurs and freelancers

Are you planning to do business in Poland? As a migrant, you can set up a sole proprietorship (JDG) or limited liability company and benefit from business loans.

💼 Banks often offer special loan packages for new businesses, which include:

• Revolving loans (for day-to-day operations),
• Investment loans (e.g., for the purchase of machinery),
• equipment leasing.

See how we can help you find a business premises and handle the paperwork: Consulting for businesses – Atlant Estates.

How to improve your chances of getting a loan in Poland?

Build a positive credit history

• Use your debit card and pay for purchases with your card so the bank sees activity.
• Pay your bills (electricity, phone, internet) always on time.
• Consider taking out a small consumer loan and repaying it on time.

Ensure stable employment and documents

Banks in Poland like stable customers with an indefinite employment contract. If you are self-employed, show regular income.

Migrants’ most common questions about credit in Poland

Is можно взять кредит в Польше с видом на жительство?

Так, большинство банков выдают кредиты мигрантам с картой побыту и стабильными доходами.

Чи можуть громадяни України отримати кредит в Польщі?

Так, якщо ви легально перебуваєте в Польщі та маєте офіційні доходи.

Can I get a loan in Poland without a PESEL?

It depends on the bank – some require a PESEL, others open loans to foreigners only on the basis of a passport and an employment contract.

Want to find out your credit options?

👉 Contact us through the AtlantEstates.com contact form and schedule a consultation. Our consultants specialize in serving migrants from Ukraine, Belarus and Eastern countries. They will help you through the entire process from finding an apartment to negotiating with a bank to picking up the keys.