Currency loans available for Friends and Family. Do you want to be the first to use it? We will let you know!

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  3. Frequently asked questions

Frequently asked questions

Read the answers to the most frequently asked questions and discover more about multi-currency loans.

About our currency lending service

Requirements needed to file an application

The application process

Repayment process

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Information regarding credit intermediary and loan institution. The credit intermediary is Cinkciarz.pl Sp. z o.o., with it`s registered office in Zielona Gora (65-001) at Sienkiewicza Street 9, phone number: +48 68 410 99 50, entered into the Register of Entrepreneurs of the National Court Register kept by the District Court in Zielona Gora, VIII Commercial Division under the Registration number (KRS) 0000364722, Tax Identity Number (NIP) 9291830388, National Business Register Number (REGON)080465538 (“Credit Intermediary”). Share capital PLN 23,263,500.00

The Credit Intermediary, on the basis of agreements concluded with the cooperating loan institution, is authorized to perform factual and legal activities related to the preparation, offering and execution of lending service contracts, while the lending contract is concluded by a loan institution cooperating with the Credit Intermediary.

The loan institution with whom the Credit Intermediary cooperates is Currency Lending Sp. z o.o. with its registered office in Zielona Gora at Sienkiewicza Street 9, 65-001 Zielona Gora, entered in the Register of Entrepreneurs of the National Court Register kept by the District Court in Zielona Gora, VIII Commercial Division under the Registration number (KRS) 0000291971, Tax Identity Number (NIP) 9730919039, National Business Register Number (REGON) 080221948 (“Lender”).

Please be informed that we operate on the basis of the provisions of Polish law specified in particular in the Consumer Credit Act and the Civil Code.

Representative example for a Lender's loan: representative APR (calculated on 30.06.2019) - 635.48%; total loan amount: 1800 PLN; annual interest rate - 10% (fixed); total loan cost: 320.79 PLN, including: commission 306.00 PLN, interest 14.79 PLN; duration of contract: 30 days; total amount to be paid by the consumer: 2120.79 PLN. The granting of a loan depends on the outcome of the assessment of the borrower's creditworthiness.

Consequences of late repayment. In case of delayed repayment of the granted loan, additional costs may be added, including delay interest in the amount of maximum interest for the delay as defined in art. 481 §2¹ of the Civil Code, i.e. double the amount of delay interest (delay interest is the sum of the reference rate of the National Bank of Poland and 5.5 percentage points). The Lender has the right to take debt collection measures to recover the claim and to demand the return of the Loan through court and enforcement proceedings. In case of delay in repayment of the Loan and after meeting the conditions specified by law, the Lender has the right to provide information about the Borrower's obligations to the Economic Information Offices and the Credit Information Bureau.

Complaints. The Financial Ombudsman is the entity authorized to settle a dispute arising from the contract between the Borrower and the Lender. Detailed information on the procedure, including contact to the Financial Ombudsman, is available at www.rf.gov.pl. The Borrower may also use the ODR platform to resolve a dispute with the Lender out of court: https://ec.europa.eu/odr/. The ODR platform shall be used for the out-of-court resolution of disputes by electronic means.