Easy Payday Loan – Advantages and Disadvantages


Easy payday loan is granted in the amount of 100 to 3000 PLN for the time of 15, 18, 24, 28 or 30 days. The company does not offer anything worth attention. The new client can not count on the first free loan promotion. It can, however, count on being thoroughly tested in all debtors’ registers. Below you will find a detailed discussion of easy loan conditions and the rules on which you can use it (although I do not know why you should do it), as well as a compendium of its advantages and disadvantages. In the comments under the review you read the opinions of the customers easy loan experience on the company and the loan it offers. I review this offer reluctantly, rather with the obligation to present it to you.

Easy Loan Credit

Fast cash loan via the Internet:

  • from PLN 100 to PLN 3000,
  • repayment time from 15, 18, 24, 28 to 30 days,
  • for people from 20 to 70 years old,
  • money even in 15 minutes,
  • without earnings certificates,
  • The APRC is 1821.80% (representative example).


First loan free?

First loan free?

Nothing of that! You will not find this type of promotion in this offer. Unfortunately, in this case you will be forced to bear costs from the first even the lowest loan.

Also read:

  • Loan for free in questions and answers
  • How to make a request for a break, so that it will be granted?


Who can take advantage of the easy payday loan?

Who can take advantage of the easy payday loan?

The loan may be granted to a Customer who:

  • is from 20 to 70 years old,
  • has a bank account,
  • has an active phone number,
  • has full legal capacity,
  • has Polish citizenship and resides in the territory of the Republic of Poland,
  • has a positive history of Economic Information Bureaus.

How to use?

  1. You apply for a loan – you choose the loan amount and the repayment time.
  2. You fill out the registration form providing the necessary data.
  3. You confirm your identity, for which you have several options for verification:
    – Kontomatik – you log in to your bank account and verify the data automatically.
    – Standard 1 PLN transfer to the Lender’s account.
    – GIRO – if you choose a method of withdrawing a loan through a GIRO check, then your identity will be verified by an employee of Bank Pocztowy or Poczta Polska.
  4. You are waiting for the decision to grant the loan.

Loan applications are processed on business days from Monday to Friday 7:00 to 22:00, and on weekends from 9:00 to 20:00.

When and for what reasons why we may refuse to grant you a loan?

When and for what reasons why we may refuse to grant you a loan?

We may refuse to grant a loan if:

  • you have arrears or delays in the repayment of other loans or loans (which is checked in the debtors’ databases),
  • you provided false data at the time of registration,
  • you do not meet the terms of the regulations and contract,
  • you have not met the verification requirements,
  • You have not yet repaid your previous loan.

Do you check the debtors’ records?

So the company works with:

  1. Economic Information Bureau InfoMonitor SA,
  2. KRD – Krajowy Rejestr Długów Economic Information Bureau SA,
  3. National Economic Information Bureau SA,
  4. Register of Debtors ERIF BIG SA,
  5. BIK – Biuro Informacji Kredytowej SA, Biuro Informacji Kredytowej SA
  6. Loan Information Exchange Platform.

How much does it cost?

A representative example:

  • total loan amount: PLN 1,500,
  • fixed interest rate: 0% per annum,
  • duration of the contract: 30 days,
  • commission: PLN 412.50,
  • interest PLN 0,
  • total cost of the loan: PLN 412.50,
  • the total amount to be paid: 1912,50 PLN,
  • Actual Annual Interest Rate (APR): 1821.80%.


Easy Loan has a few advantages and many more disadvantages that you should know before you can use it

Easy Loan has a few advantages and many more disadvantages that you should know before you can use it


  • loans available online 24 / h,
  • quick access to cash,
  • without income statements,
  • without unnecessary formalities.


  • the company checks all debt registers BIK, BIG, KRD, ERIF and others!
  • no promotion for new customers, such as the first loan for free,
  • minimum age of the borrower for 20 years,
  • high costs,
  • a small maximum loan amount,
  • no loyalty program,
  • no possibility to extend the repayment or refinance of a payday,
  • the service “saves” on information.


Where to Start Preparing For a Mortgage

A mortgage loan is often the only way to buy your own property. Because the cost of buying a flat or building your own home is extremely high and for the average family, it is very hard to put down enough money to finish transactions. But to get a mortgage, you need to prepare properly. Therefore, we will suggest what to do to make the whole loan-related process run as smoothly as possible and not cause us any trouble.

The first question we should ask ourselves is: “Can we afford a loan?”. I guess it’s no surprise that not everyone can afford a mortgage. Of course, the bank will quickly come to this conclusion, in which we will submit the application, so it is a waste of our time and the west. Therefore, before we start filling in the documents to the bank, let’s sit comfortably in the chair and let us count if there is any sense in doing so. First of all, let’s count our monthly income. What is important, banks allow us to combine income from several sources, so we can add them to each other. After calculating your income, it’s time to take costs. Let’s calculate how much money we spend on monthly bills, on any installments we already have, on expenses related to our car, etc. When we subtract costs from our income, we will see how much money is left every month and we can use part of them to pay the monthly mortgage payment. To calculate the amount of the installment, let’s use the mortgage loan calculator that we can find on the Internet. When we think that we have sufficient “creditworthiness” let us also confirm our bank.

The next step that we should do before submitting the mortgage application is to calculate our own contribution. As it is known according to the guidelines of the Polish Financial Supervision Authority, banks may grant mortgage loans only to those who have an appropriate own contribution. Currently, it must be at least 20%. It is relatively easy to calculate how much money we will need to meet the banks’ requirements. Of course, we can not forget that we will also have money for other fees, so we need to have a bit more funds in our account to pay for everything. According to various calculations, applying for a mortgage, we should have about PLN 30-40 thousand on our account. If we do not have them – it can be difficult for a loan.

What are the banks paying attention to and what should we check before we submit our application? Our credit history is extremely important. Banks always check how we repaid our loans to be sure that we will pay off the new loan on time. We can also check our credit history ourselves. We can set up an account in the Credit Information Bureau and everything will be clear. We can search for information on the Internet at what number of points in BIK we will calmly get a loan and we will know if it makes sense to submit an application.

Check your score in BIK for free

Check your score in BIK for free

Before we decide in which bank to apply for a mortgage, it is worth getting acquainted with their offer. We can do it either by going from one bank to another (time-consuming), or using some sort of mortgage comparison website, which is very much on the Internet. It is enough to give in one of them the basic parameters of our loan and we will quickly see in which banks it is worth submitting an application. Of course, we must be aware that in the final version the credit terms do not have to be what the comparison engine gave us, but it is worth taking an initial “reconnaissance” to know where to go first.