Hapipozyczki
Hapipozyczki is a Polish online installment lender offering 800–25,000 PLN cash loans to individual consumers, operated by IPF Polska Sp. z o.o. as part of the IPF group and currently servicing legacy loans while redirecting new applications to sister brand Provident Polska.
- Company typePrivate
- Founded2014
- HeadquartersWarsaw, Poland
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Hapipozyczki does
Hapipozyczki is a Poland-based, online direct-to-consumer installment lender that offers cash loans ranging from 800 to 25,000 PLN over repayment terms of 3 to 48 months. The platform is operated by IPF Polska Sp. z o.o. (KRS 0000333174, paid-in share capital PLN 20,550,000), a wholly-owned subsidiary of the UK-listed International Personal Finance (IPF) group, and is headquartered at ul. Inflancka 4A, Warsaw. Its technology stack centers on a self-serve web application with a loan calculator, electronic contract signing, identity verification via a 1 PLN bank-account test transfer, and a customer self-service portal (Strefa Klienta) for balance and payment management.
Hapipozyczki firmographics
Firmographics- Name
- Hapipozyczki
- Legal name
- IPF Polska spółka z ograniczoną odpowiedzialnością
- Website
- https://hapipozyczki.pl
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Hapipozyczki is a Polish online installment lender offering 800–25,000 PLN cash loans to individual consumers, operated by IPF Polska Sp. z o.o. as part of the IPF group and currently servicing legacy loans while redirecting new applications to sister brand Provident Polska.
- Ownership category
- akta.pro rank
Hapipozyczki industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
- akta.pro secondary industry
- Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
Keywords
Where Hapipozyczki is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
Hapipozyczki business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Ratalne pożyczki gotówkowe (Installment Cash Loans): The primary revenue stream is interest and fees collected on installment loans extended to consumers. Loans range from 800 to 25,000 PLN with repayment periods of 3-48 months. Maximum APR (RRSO) is 219.36%. Revenue is generated through monthly installment payments comprising principal, interest, and commission.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard installment loan from 800 to 25,000 PLN with 3-48 month repayment period |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Hapipozyczki product offering
Product offeringCore offering
Hapipożyczki operates as an online consumer installment loan platform serving Polish citizens. The core offering is online installment cash loans ranging from 800 to 25,000 PLN, with flexible repayment periods from 3 to 48 months, applied for through a 3-step digital process on the hapipozyczki.pl website. New loan applications are currently suspended, with prospective borrowers redirected to sister company Provident Polska, while existing loans continue to be serviced.
Product overview
Hapipożyczki is an online consumer installment loan platform operated by IPF Polska Sp. z o.o., part of the International Personal Finance (IPF) group. The core product is the hapipożyczki installment loan (800–25,000 PLN, 3–48 months), supported by the Strefa Klienta (Customer Zone) self-service portal for account management, loan tracking, and payments. A long-term loan variant (Pożyczka Długoterminowa) is also offered as a separate navigation category. The platform also provides a Blog for financial education content. New loan applications are currently suspended, with the company redirecting prospective customers to partner Provident Polska.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Loans up to 25,000 PLN available
- +3 more outcomes
Companies that use Hapipozyczki
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles1 record
Hapipozyczki technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature4 records
Hapipozyczki partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Provident Polska S.A.coreHapipożyczki and Provident Polska are sister companies under the same parent, International Personal Finance (IPF). When Hapipożyczki stopped accepting new loan applications, they redirect customers to Provident Polska which has a broader product portfolio. Both companies share the same parent company in the UK (IPF with headquarters in Leeds). Active Hapipożyczki loans continue to be serviced by Hapipożyczki while new loans are originated by Provident Polska.
Scale indicators3 records
Recent moves5 records
Expansion highlights3 records
Hapipozyczki competitors and assessment
Company assessmentDirect peers
- Extraportfel: Polish online lending comparison and direct loan originator; competes in the same small-ticket installment loan segment that Hapipożyczki historically served.
- AleGotówka: Polish online installment lender providing small-ticket consumer loans to Polish borrowers, with comparable D2C application flow and short-to-medium repayment terms.
- NetCredit Polska: Online consumer installment lender active in Poland; similar unsecured installment product and target borrower profile (regular-income Polish consumers seeking quick cash for personal use).
- Kredito24: Online consumer lending brand of Kreditech operating in Poland; offers short-term and installment loans to similar D2C customer segments.
- Provident Polska: Sister company under the IPF group; offers a broader consumer lending portfolio in Poland (including home-collected loans) and is now the primary originator for customers previously served by Hapipożyczki. Most directly comparable on customer base, regulatory regime, and parent ownership.
- Vivus.pl: Leading Polish online installment lending brand operated by 4finance; offers short-term and installment consumer loans to Polish borrowers. Directly comparable D2C model, online application flow, and target segment.
- PożyczkaPlus: Polish online consumer lender offering installment loans via a fully digital application. Comparable in product structure (unsecured installment, 3–24+ month terms) and D2C funnel.
Broad incumbents
- PKO Bank Polski: Largest Polish retail bank, offering consumer installment loans at much lower APRs alongside a full banking suite. Represents the regulated bank-channel competitive alternative to Hapipożyczki's high-RRSO offering.
- Bank Pekao SA: One of the largest Polish universal banks, with a sizable consumer lending book and growing digital channel. Sets the banked-consumer benchmark against which non-bank lenders like Hapipożyczki compete.
- Credit Agricole Bank Polska: Major universal bank in Poland offering consumer cash loans via online and branch channels. Competes for the same end-borrower, albeit with lower APRs and a broader product portfolio.
Market position
Strengths3 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Hapipozyczki social profiles
Digital presenceHapipozyczki financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hapipozyczki leadership team
Management profileNumber of profiles
Profiles1 record
Hapipozyczki funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hapipozyczki M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hapipozyczki
What does Hapipozyczki do?
Hapipożyczki operates as an online consumer installment loan platform serving Polish citizens. The core offering is online installment cash loans ranging from 800 to 25,000 PLN, with flexible repayment periods from 3 to 48 months, applied for through a 3-step digital process on the hapipozyczki.pl website. New loan applications are currently suspended, with prospective borrowers redirected to sister company Provident Polska, while existing loans continue to be serviced.
Is Hapipozyczki a public or private company?
Hapipozyczki is a private company. It is classified as corporate owned and is currently operating.
When was Hapipozyczki founded?
Hapipozyczki was founded in 2014. It employs 11 to 50 people.
Where is Hapipozyczki based?
Hapipozyczki is headquartered in Warsaw, Poland, in the Europe region.
How does Hapipozyczki make money?
One revenue line is on record: ratalne pożyczki gotówkowe (Installment Cash Loans).
Who are Hapipozyczki's main competitors?
Direct peers on record are Extraportfel, AleGotówka, NetCredit Polska, Kredito24, Provident Polska, Vivus.pl and PożyczkaPlus. Broad incumbents are PKO Bank Polski, Bank Pekao SA and Credit Agricole Bank Polska.
Does Hapipozyczki have an API?
No public API is recorded for Hapipozyczki.
What industry is Hapipozyczki in?
Hapipozyczki's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment), with a secondary code of FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured). Its NAICS code is 5222 and its SIC code is 6141.