Lending software for Poland

One of Europe’s most active online lending markets, with BIK checks, BLIK payments and bank-login identity. lendhero arrives with BIK, mObywatel and BLIK already connected, so your team configures products instead of plumbing.

See the local stack
  • PLN (zł)
  • Polish, English
  • 17 local connectors
  • 1–2 weeks to launch

Cześć, Anna

Approved10 000 zł

768

Credit score

On-time payments

Monthly payment328 zł

Market profile

Poland at a glance

What lendhero is set up for in Poland before your team logs in.

Currency

PLN (zł)

Languages

Polish, English

Supervisor

KNF

Credit data

BIK, BIG InfoMonitor, KRD

Payout rails

BLIK, Express Elixir, Elixir

Data protection

GDPR

17
local connectors wired in before kickoff
PLN
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Polish, English

Working with borrowers in Poland

Tools for every borrower conversation

Borrowers in Poland apply, sign, pay and come back for repeat loans in Polish and PLN.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by SMSAPI and WhatsApp Business automatically.

Your application is approvedSMSAPI
Your payment is due tomorrowWhatsApp Business
New receipt in your portalInfobip

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Polish.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Anna · Consumer loan, 6 months · 10 000 zł

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Poland stack, connected before kickoff.

Bureaus, identity, bank data, payment rails and messaging that lenders in Poland rely on. Anything missing is added through the open API.

  • Credit bureaus & registries3 connectors
    • BBIK
    • BBIG InfoMonitor
    • KKRD
  • Identity & KYC3 connectors
    • mmObywatel
    • BBank login (mojeID)
    • OOnfido
  • Bank & alternative data2 connectors
    • KKontomatik
    • TTink
  • Disbursement rails3 connectors
    • BBLIK
    • EExpress Elixir
    • EElixir
  • Repayments & collections2 connectors
    • DDirect debit
    • BBLIK
  • Messaging3 connectors
    • SSMSAPI
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • AAutenti
    • DDocuSign

Checks and payments

Who borrows and how money moves in Poland

Applicants are checked with BIK and BIG InfoMonitor, and money moves via BLIK and Express Elixir.

Client checks

Checks connected in Poland:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationmObywatel, Bank login (mojeID), OnfidoPass
  • Credit bureausBIK, BIG InfoMonitor, KRDPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataKontomatik, TinkReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Poland:

DisbursementBLIK, Express Elixir, Elixir in PLN
RepaymentDirect debit, BLIK
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • BLIK
  • Express Elixir
  • Elixir
  • Direct debit

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in PLN are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

10 000 zł

On track
Auto-calculated · 200+ parametersManual edit
Repaid 3 570 zł of 10 700 zł2 of 6 payments
DateAmountStatus
Sep 41 780 złPaid
Oct 41 780 złPaid
Nov 41 780 złDue in 7 days
Dec 41 780 złUpcoming
Jan 41 780 złUpcoming
Reminder sentYour payment of 1 780 zł is due Nov 4

Loan flow

How a loan runs in Poland. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via SMS, with forms in Polish and English.
  2. 02VerifyIdentity and documents are checked through mObywatel and Bank login (mojeID).
  3. 03DecideScorecards pull BIK and BIG InfoMonitor data and return a decision in seconds.
  4. 04DisburseFunds go out via BLIK or Express Elixir in PLN, straight after signing.
  5. 05CollectRepayments arrive via Direct debit and BLIK, with reminders over SMSAPI.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

10 000 zł

Next payment

1 780 zł · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AnnaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Poland launch on .

Consumer instalment loansPożyczki with BIK and KRD checks.
BNPL & POSRaty and pay-later at checkout.
Business lendingLoans for JDG sole traders and SMEs.

Compliance

Configured for KNF and GDPR.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Poland.

Hosting & data residency

Cloud or on-premise deployment, with data stored where GDPR requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for KNF rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Central & Eastern Europe

All Europe markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Poland?+

Yes. The platform is set up for PLN, Polish and English and KNF requirements, with 17 local connectors ready on day one.

Which credit data sources are connected in Poland?+

BIK, BIG InfoMonitor, KRD. On top of that, identity checks run through mObywatel, Bank login (mojeID) and Onfido and bank data comes from Kontomatik and Tink.

How do borrowers get paid and repay?+

Payouts go out via BLIK, Express Elixir and Elixir in PLN. Repayments arrive via Direct debit and BLIK, with reminders over SMSAPI and WhatsApp Business.

How long does a launch in Poland take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 17 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Poland? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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