Installments - Alior Bank

You can apply for a loan ranging from PLN 300 to PLN 20,000.

You can download the PDF file after filling out the loan application — it will be available once the agreement is displayed.

Yes. During the application process, the customer must give consent for BIK data processing. This is required to verify the installment loan application.

Each store agrees individually on which products are available for installment payments. Eligible products are marked with installment purchase information.

We do not provide the reason for a negative credit decision.

The interest rate depends on the store and the selected product. The nominal interest rate, APR, and total loan cost are shown after the application is submitted. If the offer doesn’t meet your expectations, you can cancel the process.

Yes, as long as you meet the other verification criteria.

The minimum net income is PLN 500.
Required employment periods vary by income source:
• Employment contract, military/managerial contracts, board members, public officials – minimum 3 months
• Self-employed – 6 months
• Pension/pre-retirement benefit, disability pension – 1 month
• Mandate contract / contract of specific work – 6 months
• Agricultural activity – 12 months
Additionally, the employment or benefit period must not be shorter than the loan repayment period.

No, we do not require guarantors.

You can download the table during the final step of the loan application process.

After accepting the loan agreement, we display a list of banks for the transfer:
• If your bank is listed, the transfer is processed via Blue Media S.A. (PayByLink, Fast Transfer).
• If not, select “My bank is not listed” to view ELIXIR transfer details on screen and by email. You must then manually complete the transfer using the provided account number, amount, and title.

To verify the transfer correctly, the following conditions must be met:
• The transfer must be made from the account declared in the application and belong to the applicant.
• The personal details in the bank must match those in the application (e.g., “Radek” vs. “Radosław” may cause verification failure).
• If entering transfer details manually, make sure the title matches exactly as displayed during the application process. Any discrepancies may delay or block loan activation.

If the system doesn’t positively verify the transfer within 5 days of application submission (e.g. due to incorrect data), the loan will not be activated. You will receive an automated email confirming this.

The 1 PLN transfer is used for verification and is non-refundable.

Once the loan is activated, the funds are transferred directly to the seller's or store's account. They can then proceed with processing your order.

The delivery time depends on the Store / Seller. Once the loan is activated, the merchant is immediately notified and the funds are transferred in parallel. The seller may act on this system notification or wait for the funds to be booked before shipping your order.

The repayment account number is provided in the loan agreement shown during the application process and in the repayment schedule sent by post after activation. The account number is unique for each customer. If you don’t know your account number, please contact Alior Bank’s customer service.

Yes. You may repay the loan partially or in full at any time. Partial repayments must be requested via letter or at an Alior Bank branch. The repayment will be treated as capital repayment and a new repayment schedule will be issued.

Repayments should be sent to your individual loan repayment account number (provided in your agreement and repayment schedule sent by mail). Payments must be made according to the agreed repayment schedule.

You have the right to withdraw from the loan agreement within 14 days of signing. You can do so at any Alior Bank branch, by calling 0 801 11 55 99, or by sending a withdrawal request to: Alior Bank S.A, ul. Domaniewska 52, 02-672 Warsaw.

We do not send repayment slips. After the loan is activated, you will receive a repayment schedule by mail with your account number, payment dates, and amounts.

To change the repayment date, please contact Alior Bank’s customer service.

The hotline is available at (+48) 0 801 11 55 99 from 8:00 a.m. to 10:00 p.m. If you're calling from abroad, use (+48) 12 370 71 10. Call charges are based on your operator's rates.

Only selected employees of Alior Bank have access to your personal data.

You can request a bank statement at any Alior Bank branch. A fee will be charged in accordance with the Bank's Fees and Commissions Table.

Send an inquiry to [email protected]. Include your website address and a description of your product range.