Netgotowka.pl

1. Introduction

NetGotowka.pl is a Polish online non-bank lender focused on cash installment loans, not a classic one-payment payday loan. The official documents describe the product as a consumer installment cash loan with monthly installments, and the lender is identified as Net Gotówka Sp. z o.o. The site markets the service as a fast online borrowing process with a client account, digital application, and bank-transfer payout.

That matters because many people use “payday loan” as a generic label for any non-bank borrowing. NetGotówka is structurally closer to a short-term or medium-term ratalna pożyczka gotówkowa — an installment loan repaid over a few months — than to a single-bullet 30-day “chwilówka.” The official information form example shows a 4-month loan with monthly installments, not one final lump-sum repayment.

This kind of service is usually used by borrowers who need relatively quick cash but do not want to repay the whole amount at once after a few weeks. Its strengths are simple remote access, a clearly identified lender, a structured monthly repayment schedule, and relatively transparent cost examples in official documents. Its weak points are also clear: it is still non-bank credit, cost is materially above bank credit, late repayment triggers default-interest consequences, and negative BIK history can block approval.

Review NetGotowka.pl in Polish 🇵🇱

2. What kind of organization is this

NetGotowka.pl is not a bank and not a broker marketplace. The official loan regulations and the consumer information form identify the lender as Net Gotówka Sp. z o.o., with registered address ul. Nowogrodzka 31, 00-511 Warszawa, NIP 7010355665, REGON 146313326, and KRS 0000610459. The same documents state that the company is entered in the KNF Register of Loan Institutions under number RIP000295.

That makes NetGotówka a direct non-bank lender. The client-profile regulation says the portal allows the user to create a profile, submit a loan application, obtain a loan from Net Gotówka Sp. z o.o., and update personal data. This is not the language of a comparison service. It is the language of a lender operating its own online loan infrastructure.

Basic profile

Item

What the official documents show

Brand

NetGotówka

Legal lender

Net Gotówka Sp. z o.o.

Country

Poland

Type

Direct non-bank lender

Product type

Consumer installment cash loan

Regulator/register status

KNF Register of Loan Institutions, RIP000295

Delivery model

Online

The service is aimed at Polish consumer borrowers who want to apply online and receive funds by bank transfer. The regulations explicitly say the company does not serve customers at its registered office, which confirms the operating model is remote rather than branch-based.

From a market-positioning standpoint, NetGotówka sits in the mainstream Polish online lending segment, but on the installment side rather than the pure payday side. It looks more formalized than many anonymous loan pages because it publishes a loan regulation, client-profile regulation, information form, fee table references, complaint procedure, and withdrawal form.

3. How the service works

The official consumer information form describes the product as a consumer installment cash loan with monthly installments containing commission, interest, and capital, with capital fully repaid by the final installment. That is the key structural fact. The borrower does not repay once at the end of 30 days. The borrower repays month by month according to a schedule attached to the agreement.

The same form says the full loan amount is disbursed by bank transfer to the borrower’s bank account immediately after a positive decision, on the day the agreement is concluded and accepted by both parties. The decision on whether to grant or reject the loan is taken no later than within 1 business day from the application date.

The representative example in the official information form is very useful because it shows the product in realistic terms. It gives an example of PLN 4,000 for 4 months, total loan cost PLN 721.28, total repayment PLN 4,721.28, with RRSO 69.74%. The cost is broken down into interest PLN 190.16, a granting commission of PLN 400 and a duration-related commission of PLN 131.12. That is concrete, practical pricing information rather than vague marketing language.

The process is fully online. The client-profile regulation explains that the site gives the user an individual password-protected account, supports the submission of the loan application, enables digital access to the service, and lets the borrower update data. The website itself emphasizes online operation and provides only remote contact routes.

4. How to get a loan

Registration

The borrower starts by using the website and creating or using a client profile. The client-profile regulation defines the profile as a password-protected individual internet account used on the NetGotówka portal.

Filling in the application

The regulation for the client portal describes the online application as a secure form containing fields such as name, surname, gender, country of birth, PESEL, date of birth, ID series and number, registered address, phone number, email, bank name, bank-account number, education, marital status, source of income, loan type, requested amount, and requested term. That is unusually specific and gives a clear practical picture of the data the lender collects.

Identity verification

The reviewed public documents do not expose one simple line saying whether NetGotówka uses a PLN 1 transfer, open banking, or another route. But the application clearly requires the borrower’s bank name and bank-account number, and the information form says disbursement is made to the borrower’s account after a positive decision and agreement conclusion. That means account ownership and identity matching are functionally part of the process, even if the exact public verification mechanic was not visible in the snippets reviewed.

Income or employment confirmation

The application form collects the borrower’s source of income. The lender also checks BIK, because the information form explicitly states that if credit is refused on the basis of database information, the borrower is entitled to receive free information about that check and that the database used is Biuro Informacji Kredytowej S.A. (BIK).

Choosing amount and term

The live homepage text is not cleanly readable through the fetch, but the official information form confirms the product is installment-based and the public representative example shows a 4-month structure. The site’s own navigation calls the product pożyczki ratalne przez Internet, which aligns with that.

Signing the agreement

The agreement template and linked document section show that the contract package includes the agreement, regulation, fee and commission table, information form, and repayment schedule. That is operationally important because the schedule is part of the binding contract structure.

Receiving the funds

The official information form states that payout occurs by bank transfer to the borrower’s account, immediately after the positive decision, on the day the contract is concluded and accepted by both parties.

How long does the process usually take?

A practical summary from the official form is:

Stage

What the lender states

Loan decision

no later than 1 business day after application

Disbursement

immediately after positive decision and agreement acceptance

Method

bank transfer to borrower’s account

Is approval automatic or manual?

The documents do not label the process as fully automatic. The most accurate answer is that the process is online and fast, but approval still depends on underwriting and BIK-based credit assessment.

Can bad-credit borrowers apply?

They can apply, but approval is not guaranteed. The strongest direct source support is that the lender checks BIK, and the borrower must be informed if a rejection is based on data from that database.

5. Loan requirements and eligibility

The client-profile regulation states that only an adult person with full legal capacity may use the portal. That is the clearest confirmed minimum legal requirement from the official documents.

The application also clearly requires:

• identity document data,
  
  

• PESEL,
  
  

• address data,
  
  

• bank-account number,
  
  

• phone number,
  
  

• email address,
  
  

• source of income.
  
  

Confirmed requirements

Requirement

Confirmed by official documents

Minimum age

Adult / full legal capacity

Identity document

Yes

PESEL

Yes

Bank account

Yes

Phone number

Yes

Email

Yes

Source of income

Yes

Official employment only

No such restriction was stated

Self-employed excluded

No such exclusion was stated

Because the application form asks for “source of income” rather than “employment contract only,” it would be inaccurate to say formal salaried employment is mandatory. At the same time, the lender does not promise approval based on any and all income sources. It simply collects income-source information and runs credit assessment.

6. Loan terms and conditions

The most reliable cost data come from the official information form for the installment loan.

Main published example

Item

Official representative example

Loan amount

PLN 4,000

Term

4 months

Total cost

PLN 721.28

Total repayment

PLN 4,721.28

RRSO / APR

69.74%

Interest

PLN 190.16

Granting commission

PLN 400

Duration-based commission

PLN 131.12

The information form also states:

• nominal interest rate: 14.5% annually,
  
  

• variable interest tied to the NBP reference rate,
  
  

• no additional insurance obligation,
  
  

• no required additional service obligation.
  
  

This is an important practical conclusion: NetGotówka is not just charging nominal interest. The lender also uses two commission layers in the representative example — a fixed origination commission and a term-related commission. Borrowers who compare only the 14.5% rate and ignore commissions will misunderstand the real price.

First-loan conditions

I did not find a confirmed first-loan-free or 0% offer in the official materials reviewed. It should therefore not be assumed.

Penalties for late payment

The official information form is very clear here. It states that overdue debt is charged at the maximum statutory delay rate, currently 18.5% annually, calculated from the first day of delay until payment. It also states that the lender may:

• pursue the debt in court,
  
  

• enter the debtor into a business-information bureau when legally allowed,
  
  

• outsource collection to an external entity,
  
  

• sell the loan to another firm.
  
  

The same document says that in case of delay the borrower receives a payment demand together with information about the possibility of applying for restructuring under the Consumer Credit Act. That is useful, because it shows the lender at least formally recognizes restructuring as a legal path.

Early repayment

The information form clearly says the borrower has the right to repay all or part of the credit at any time before the contractual due date, and that there is no lender commission for early repayment.

Hidden fees

The site is better than average on transparency because it links the agreement, regulation, fee table, and information form openly. The problem is not hidden fees so much as borrowers overlooking the cost structure inside the information form.

7. Supported payout methods: how users can receive the loan

The official information form confirms one clearly documented payout route: bank transfer to the borrower’s bank account.

Confirmed payout methods

Payout method

Confirmed?

Bank account transfer

Yes

Bank card payout

Not confirmed

Cash pickup

Not confirmed

E-wallets

Not confirmed

Mobile wallets

Not confirmed

Because the application requires the borrower’s bank account and the form says the loan is transferred to the borrower’s account, bank transfer is both the main and the best-supported payout channel.

The reviewed documents do not explicitly discuss third-party accounts, but because the loan is transferred to the borrower’s bank account and the account is part of the identity dataset, the safest practical reading is that third-party disbursement should not be assumed.

8. Supported repayment methods: how to repay the loan

The official information form states that the borrower must make monthly repayments according to the repayment schedule, which is an integral part of the agreement.

Confirmed repayment picture

Repayment method

What can be stated reliably

Monthly installment repayment

Yes

Bank transfer

Strongly implied by product/account structure

Client profile access

Yes, portal supports profile and loan handling

Card repayment

Not confirmed

Mobile app

Not confirmed

Cash desk / branch payment

Not confirmed

The lender’s client portal is used to handle the loan relationship, but I did not retrieve a clean public page with one universal repayment account number or one public transfer-title rule. Therefore the safest instruction is: use the account number and repayment details shown in the agreement and schedule, and do not guess.

The information form also gives a specific rule about payment allocation in delay: each payment first covers commissions, then duration-based commission, then interest, then delay interest, then capital. That is practically important because partial late payments will not reduce principal first.

Should the borrower keep receipts?

Yes. Because late-payment consequences are explicit and the allocation order is lender-friendly, proof of payment should be kept until the installment is fully booked.

9. Advantages and disadvantages

Advantages

Disadvantages

Direct lender with published legal documents

More expensive than bank credit

Clear installment structure

Cost includes multiple commission layers

Transparent representative example

No confirmed first-loan-free promo found

Early repayment allowed without extra fee

Late payment triggers high statutory default interest

KNF loan-institution registration

BIK check can block approval

Complaint handling and withdrawal form published

No branch service at registered office

10. Who this service may suit

NetGotówka may suit borrowers who need an online installment loan rather than a one-shot payday advance, want a direct lender rather than a broker, and can handle a structured repayment schedule over a few months. It may also suit people who value seeing the agreement package and cost documents before proceeding.

It may be a poor fit for anyone looking for a 0% first loan, anyone already under repayment stress, or anyone likely to miss monthly deadlines. The default-interest clause and collection consequences make that risk explicit.

11. Risks and important things to check before applying

The first risk is underestimating the real cost by focusing only on nominal interest. The representative example shows that commissions make up most of the cost difference.

The second risk is late repayment. Default interest can reach 18.5% annually, and the lender may escalate through court, business-information entries, outsourced collection, or sale of the claim.

The third risk is assuming automatic approval. NetGotówka checks BIK, and rejection may follow from database findings.

The fourth risk is making partial late payments without understanding the allocation order. The lender applies delayed payments first to commissions and interest, not to capital.

The fifth risk is using this product for structural cash-flow problems instead of a one-off financing need. Installments are easier than a bullet payment, but the debt is still expensive.

12. Customer support and communication channels

The official documents and site contact pages clearly publish:

Channel

Details

Website

netgotowka.pl

Phone

731-830-030

Email

kontakt@netgotowka.pl

Working hours

9:00–16:00, Monday to Friday

Customer office at headquarters

No, site states customers are not served there

Complaint handling is also formalized. The regulation says complaints may be filed by email or by post, and the lender resolves them without undue delay, within 30 days.

13. FAQ

What is NetGotowka.pl?

It is a Polish direct non-bank lender offering consumer installment cash loans through an online portal.

Is it a direct lender or a broker?

It is a direct lender. The official documents identify Net Gotówka Sp. z o.o. as the lender.

How fast can I get money?

The lender states that the decision is made no later than 1 business day after application, and disbursement occurs immediately after a positive decision and contract acceptance.

What documents do I need?

The application requires identity details, PESEL, address, bank-account number, phone number, email, and source of income.

Can I get a loan with bad credit?

You can apply, but the lender checks BIK, and rejection may result from that database information.

What payment systems are supported for receiving money?

The confirmed method is bank transfer to the borrower’s account.

How can I repay the loan?

Repayment is made in monthly installments according to the schedule attached to the agreement.

What requisites do I need for repayment?

Use the repayment account and schedule data from your agreement and annexes. The reviewed snippets did not publish one universal repayment account.

Can I repay early?

Yes. The official information form says you may repay all or part of the credit at any time, with no lender commission for early repayment.

What happens if I miss the due date?

Default interest is charged at the maximum statutory delay rate, and the lender may pursue court, registry, collection, or claim-sale actions.

Can I extend the loan?

The documents do not present a standard rollover product, but they do mention the borrower can apply for restructuring after payment problems arise.

Is the first loan interest-free?

I did not find a confirmed current 0% first-loan offer in the official materials reviewed.

Can I receive money on someone else’s card?

The payout route confirmed in the official documents is transfer to the borrower’s bank account. Third-party payout should not be assumed.

How do I contact support?

Phone 731-830-030, email kontakt@netgotowka.pl, Monday to Friday 9:00–16:00.

Is this service safe to use?

It appears to be a real Polish lender with published company data, KNF loan-institution registration, legal documents, and formal complaint procedures. That does not mean the product is cheap or suitable for every borrower.

14. Final conclusion

NetGotowka.pl is a real Polish non-bank lender offering online installment cash loans, not a pure payday-advance product. Its main strengths are direct-lender structure, published legal documents, a clear representative example, early-repayment rights without extra commission, and formal complaint / withdrawal procedures.

Its main limitations are cost and delinquency risk. The published example shows a meaningful commission burden, and late repayment can become expensive quickly through default interest and collection escalation. This service is best suited to a borrower who needs a structured short-to-medium installment loan and can repay on schedule without relying on repeated refinancing or delay.

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