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Promotion Terms . The condition for the Borrower to take advantage of the Promotion is: registration on the Loan Website after 08 January 2018, submission of the Loan Application via the Website and the Borrower’s timely repayment of the Loan, understood as repayment of the Loan at the latest on the repayment date under the Loan Agreement.

Information about the Intermediary

Please be advised that we operate based on the provisions of Polish law specified in particular in the Consumer Credit Act and the Civil Code. An intermediary, based on financial intermediation agreements concluded with cooperating loan institutions, is authorized to perform factual and legal actions related to the preparation, offer and conclusion of loan agreements. At the same time, loan agreements are concluded by loan institutions cooperating with the Intermediary.

A representative example of a loan granted by a loan institution for which Adepto Sp. z o. o. and Net Credit Sp. z o. o. provides a loan brokerage service: For an example loan of USD 1,000 for 30 days (Promotional Repayment Terms), the APRC is 0% (calculated as on January 25, 2018); total loan amount: USD 1,000; fixed interest rate: 0%; total cost of the loan: USD 0, including: Commission USD 0, Interest USD 0; contract period: 30 days; total repayment amount: USD 1,000. For an example loan of USD 1,000 for 30 days (Standard Repayment Terms): the APRC is 674.24% (calculated as at January 25, 2018); total loan amount: USD 1,000; variable interest rate per annum: 10%; total cost of the loan: USD 183.20, including: Commission USD 175, Interest USD 8.20; contract period: 30 days; total repayment amount: USD 1183,20.


The borrower has the option of using a refinancing loan granted by one of the Lenders cooperating with the Intermediary. Refinancing occurs after the Borrower pays the appropriate amount for using the service depending on the amount of the refinanced loan and the date for which the refinancing is to be made.

Late payment . In the event of late repayment of a loan, additional costs may be added including interest for the delay in the amount of the maximum interest for delay specified in art. 481 § 21 of the Civil Code, i.e. twice the amount of statutory interest for delay (statutory interest for delay is the sum of the reference rate of the National Bank of Poland and 5.5 percentage points). The lender has the right to transfer the right to enforce overdue payments to third parties, and to seek a return of the Loan by legal action.

In the event of a delay in repayment of the Loan and after meeting the conditions specified by law, the Lender has the right to provide information on the Borrower’s obligations to the Economic Information Bureaus and the Credit Information Bureau. The borrower is entitled to use extrajudicial methods of settling consumer disputes. The authorized entity, competent for out-of-court settlement of disputes between the Lender and the Borrower is the Financial Ombudsman. 

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