Name

Pożyczka Plus

Legal name

Aventus Group Sp. z o.o.

Website

https://pozyczkaplus.pl

Company type

Private

Founded year

2018

Operating status

Operating

Ownership category

akta.pro rank

Product category

Consumer Lending (Online Credit Intermediation)

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222), Sales Financing (52222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Third-Party POS Installment Financing Platforms (FSAKAFAB)

akta.pro secondary industry

Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ)

Keywords

• Online consumer lending
• Credit intermediation
• Short-term loans
• Payday loans
• Non-bank lending

Headquarters

HQ city

Bialystok

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Others

Revenue model

1. Credit intermediation commission: Aventus Group Sp. z o.o. (owner of Pożyczka Plus) acts as a credit intermediary in the meaning of the Act on Consumer Credit of 12 May 2011. The company does not charge consumers any fee for its intermediation services. Instead, the lending partners (Tusumi Sp. z o.o. and Arena Finance Sp. z o.o.) pay the intermediary for loan origination services. This is a B2B revenue stream from lending institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Pożyczka Plus is a 100% online credit intermediation platform that connects individual Polish consumers seeking quick short-term financing with two registered lending partners (Tusumi Sp. z o.o. and Arena Finance Sp. z o.o.). Customers apply entirely online — selecting an amount from 300 PLN to 20,000 PLN via a slider, verifying identity through a micro-transfer or Kontomatik open-banking check, and receiving a 24/7 automated decision with funds disbursed directly to their bank account, typically within minutes for eligible customers.

Product overview

Pożyczka Plus is an online loan intermediation platform operated by Aventus Group Sp. z o.o. that connects borrowers with lenders through a digital marketplace. The service offers a comprehensive portfolio of loan products including first-time customer promotions (darmowa pożyczka), short-term payday loans (chwilówki), installment loans of various amounts (up to 20,000 PLN), weekend loans, and specialized products for specific demographics. The platform serves as a credit broker between customers and partner lending institutions (Tusumi Sp. z o.o. and Arena Finance Sp. z o.o.), providing a 100% online application process with identity verification, creditworthiness assessment, and fund disbursement to bank accounts. Key products include the core online loan service, first free loan promotion, short-term loans, loans without BIK checks, weekend loans, and larger installment loans for amounts up to 20,000 PLN. The platform also offers refinancing services and specialized products for Ukrainians and young adults from age 18.

Differentiator

Problem solved

Functional benefit

Products and services

• Pożyczka online (Online loan) Fully online consumer-loan application service offering various loan amounts and repayment terms without visiting a physical branch; designed for Polish adult residents needing quick cash for personal expenses.
• Pierwsza pożyczka za darmo (First free loan) Promotional offer for first-time customers: a loan from 1100 PLN to 8000 PLN with RRSO 0% so the borrower repays only the borrowed amount.
• Pożyczka krótkoterminowa (Short-term loan) Short-term consumer loan (typically 30 days) with simplified requirements and a quick decision process, designed for immediate financial needs.
• Pożyczka bez BIK (Loan without sole reliance on BIK) Loan for borrowers whose credit decisions consider alternative financial information (KRD, ERIF, CRIF, open banking) rather than relying solely on BIK data.
• Chwilówka na dowód (Payday loan with ID only) Payday loan that requires only an identity document for verification, targeted at non-bank loan customers needing fast cash for unexpected expenses.
• Pożyczka przez internet na konto (Online loan disbursed to bank account) Internet loan where funds are transferred directly to the applicant's bank account, offering a quick alternative to traditional bank credit.
• Pożyczka 15 000 zł (PLN 15,000 loan) Larger consumer loan (up to PLN 15,000) requiring more detailed creditworthiness assessment, typically used for home renovation, debt consolidation, or major purchases.
• Pożyczka 20 000 zł (PLN 20,000 loan) High-value consumer loan (up to PLN 20,000) approaching traditional installment credit, requiring more extensive financial-stability verification.
• Pożyczka na już na konto (Immediate loan to account) Immediate-purpose consumer loan with rapid decision-making and quick disbursement to the customer's bank account for urgent needs.
• Pożyczka 500 zł na już (PLN 500 immediate loan) Small immediate consumer loan of PLN 500 (RRSO 299.27%, 30-day term) targeted at very small urgent cash needs.
• Pożyczka bez zaświadczeń (Loan without income certificates) Consumer loan not requiring payslips or income-verification certificates, with a simplified application process for smaller financing amounts.
• Pożyczki w weekend (Weekend loans) Consumer loan service allowing loan applications and disbursement outside standard business hours, including Saturdays and Sundays.
• Chwilówki w sobotę (Saturday payday loans) Payday loans made available on Saturdays when traditional banks are closed, targeted at weekend financial needs.
• Chwilówki w niedzielę (Sunday payday loans) Payday loans made available on Sundays when traditional banks are closed, offering weekend disbursement flexibility.
• Pożyczka online dla Ukraińców (Online loan for Ukrainians) Online consumer loan specialized for Ukrainian citizens residing in Poland, addressing their specific financial needs and documentation situation.
• Pożyczki pozabankowe (Non-bank loans) Non-bank consumer loans offered outside the traditional banking sector, with less stringent requirements and a fully online application.
• Pożyczka od 18 lat (Loan from age 18) Consumer loan available to Polish adults from age 18, designed for young people just reaching legal adulthood.
• Pożyczka na święta (Holiday loan) Seasonal consumer loan for holiday-related expenses during festive periods such as Christmas.
• Pożyczka na wakacje (Vacation loan) Seasonal consumer loan for vacation and travel expenses, helping customers finance trips and travel experiences.
• Pożyczka w 15 minut (15-minute loan) Quick consumer loan advertised with 15-minute processing, subject to bank clearing times.
• Pożyczki tygodniowe (Weekly installment loans) Consumer installment loan repaid in weekly installments, offering smaller regular payments and flexibility for faster repayment.
• Niewielka pożyczka (Small loan) Small consumer loan product for minor unexpected expenses, typically at the lower end of the platform's loan amounts.
• Łatwa pożyczka (Easy loan) Consumer loan product with a simplified application process designed for a hassle-free borrowing experience.
• Wygodna pożyczka (Convenient loan) Consumer loan product focused on ease of use and accessibility for urgent financial needs.
• Bezpieczna pożyczka (Safe loan) Consumer loan product emphasizing transparency, safety, and customer convenience in the borrowing process.
• Pożyczka refinansująca (Refinancing loan) Refinancing service where a new lender pays off an existing loan for a fee, helping customers who struggle to gather the full repayment on time.

Quantifiable outcome

• Loan decisions processed 24/7 without human intervention
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Aventus Group Sp. z o.o.coreStrategic or Co-development PartnerAventus Group Sp. z o.o. is the owner and operator of the Pożyczka Plus credit intermediation portal. The company is registered in Białystok, holds share capital of 1,500,000 PLN, is entered in the Register of Credit Intermediaries (RPK026240) at the Polish Financial Supervision Authority, and is a member of the Polish Association of Loan Institutions (PZIP) and the Association of Financial Enterprises (ZPF). Aventus Group is the legal entity providing the platform infrastructure and managing the lending partner relationships.
• Tusumi Sp. z o.o.coreOthersTusumi Sp. z o.o. is one of the two lending institutions whose loans are offered through the Pożyczka Plus platform. Headquartered in Białystok (ul. Sienkiewicza 1/1 lok. 307, 15-092 Białystok). CEO: Katarzyna Drezner. Registered in the Register of Loan Institutions (RIP000406). Tusumi provides the actual lending products, while Pożyczka Plus handles loan origination as a credit intermediary. The lending institution does not charge consumers; its costs are covered by the intermediary's commission.
• Arena Finance Sp. z o.o.coreOthersArena Finance Sp. z o.o. is the second lending institution whose loans are distributed via the Pożyczka Plus platform. Headquartered in Białystok (Al. 1000-lecia Państwa Polskiego 6 lok. 202, 15-111 Białystok). CEO: Alina Zabrocka. Registered in the Register of Loan Institutions (RIP000407). Provides the actual loan products including the first free loan promotion (RRSO 0%) for new customers.
• Polski Związek Instytucji Pożyczkowych (PZIP)minorOthersPolish Association of Loan Institutions. Aventus Group Sp. z o.o. (owner of Pożyczka Plus) is a member of PZIP, which sets industry standards and best practices for non-bank lending institutions in Poland.
• Związek Przedsiębiorstw Finansowych (ZPF)minorOthersAssociation of Financial Enterprises in Poland. Aventus Group Sp. z o.o. is a member of ZPF and adheres to the Zasady Dobrych Praktyk (Good Practice Principles) adopted by ZPF member companies. Aventus Group has received the Ethical Audit Certificate from the ZPF's Ethics Committee.
• KontomatikcoreTechnology or IntegrationKontomatik is an open banking service that enables Pożyczka Plus to verify borrower identity and assess creditworthiness in real time by connecting to the applicant's online banking. The service reads account transaction history, income regularity, and expenses to provide an instant credit assessment. Pożyczka Plus offers Kontomatik as an express alternative to the standard 0.01 PLN micro-transfer verification method.
• Opineo.plminorOthersPolish customer review platform. Pożyczka Plus publishes verified customer testimonials on Opineo.pl. Reviews are confirmed through surveys sent to customers who have completed loans through the portal and verified their identity.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Vivus.pl: One of the largest online payday / short-term consumer lenders in Poland, offering small 30-day loans online with a 0% RRSO first-loan promotion — directly comparable product set, target customer (subprime/near-prime Polish consumers), and 100% online distribution to Pożyczka Plus.
• ExtraPortfel.pl: Polish online loan broker aggregating multiple lender offers for short-term and installment consumer loans. Closely comparable to Pożyczka Plus on the credit intermediation / marketplace model rather than direct lending.
• Lendon.pl: Polish online short-term loan provider offering small consumer loans with fast online decisions. Overlaps directly with Pożyczka Plus in amount range, term (30 days), and fully digital application flow.
• Zaplo.pl: Polish online installment and short-term lender, part of the 4finance Group. Operates a digital-only consumer credit business with similar product, target borrower, and regulatory registration to Pożyczka Plus.
• Kuki.pl: Polish online loan broker/lender offering 30-day consumer loans up to ~15,000 PLN with 0% RRSO first-loan promotion. Highly comparable to Pożyczka Plus on product, target borrower, and online-only GTM.
• SuperGrosz.pl: Polish online short-term and installment loan provider (Aventus Group-affiliated brand in the same non-bank lending category). Offers 30-day consumer loans online with comparable target customer and product to Pożyczka Plus.
• Aasa Polska: Polish online installment lender offering consumer loans up to ~25,000 PLN with a 0% RRSO first-loan promotion. Comparable in product mix (small short-term plus larger installment), customer segment, and online GTM.
• LoanMe.pl: Polish online lender specializing in small short-term consumer loans with a 0% RRSO first-loan promotion. Comparable on customer segment, product structure, and self-serve digital distribution model.
• Wonga.pl: Polish online consumer lending brand offering short-term installment and payday-style loans through a fully digital application process. Comparable to Pożyczka Plus in product type (small online consumer credit), customer segment, and 24/7 self-serve distribution.

Broad incumbents

• Provident Polska: One of the largest established non-bank consumer lenders in Poland, offering home-collected and online installment loans. Operates a much broader portfolio than Pożyczka Plus but overlaps on the small-ticket online consumer credit category and target borrower.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCH7zDieK8gyzAF75A6XBoyg
• Facebookfacebook.com/pozyczkapluspl
• Instagraminstagram.com/pozyczkaplus
• Xx.com/PlusPozyczka

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pożyczka Plus