Profi Credit Polska S.a.

What Profi Credit Polska S.a. does

Profi Credit Polska S.A. is a Warsaw-headquartered non-bank consumer lender, wholly owned by the Netherlands-based Profireal Group SE, that has operated continuously in Poland since 2004. The company extends unsecured personal loans of up to 25,000 PLN with repayment periods of up to 48 months to individual borrowers, including segments underserved by traditional banks — those with thin or negative BIK histories, existing bank obligations, or non-standard income documentation (umowa o dzieło). Its core product, the Pożyczka Pozabankowa, is distributed through a hybrid network of nearly 700 field financial advisors across dozens of branch offices nationwide, complemented by a telephone sales channel launched in 2020, an online loan product introduced in 2018, and a biometric-verified mobile onboarding flow deployed in 2021. The underwriting stack combines automated creditworthiness profiling with checks against internal databases and external credit information exchanges (CRIF, FWWI/PWIP/Credit Check), and customer servicing is delivered via the Strefa Klienta web portal and the myPROFI iOS/Android application.

Revenue is generated primarily through interest and extra-interest fees on consumer loans, augmented by cross-sell of insurance bundles (AXA Pakiet Bezpieczny, Home, Medi) and English-language learning courses distributed through a Tele-Nauka partnership, plus a partner program (Internet Program Partnerski) with API integration and the E-GATE portal that pays commissions to referring credit agencies and affiliates. Cumulative loan originations exceeded 686 million PLN by 2015 (up from 176 million PLN in 2011) and the company operates from a registered share capital base of 794.751 million PLN; no current revenue, origination, or headcount figures are publicly disclosed. Representative loan pricing (RRSO 44.48–115.22%, depending on amount and profile) reflects the sub-prime consumer positioning typical of the Polish non-bank lending category.

Name

Profi Credit Polska S.a.

Legal name

PROFI CREDIT Polska S.A.

Website

https://proficredit.pl

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Profi Credit Polska S.A. is a Warsaw-based non-bank consumer lender, wholly owned by Profireal Group SE, offering unsecured personal loans up to 25,000 PLN to Polish individuals — including those underserved by banks — through a hybrid network of field advisors, call center, online, and biometric-verified mobile channels.

Ownership category

akta.pro rank

Product category

Non-Bank Consumer Lending

NAICS

Consumer Lending (522291), Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Non-bank lending
• Consumer loans
• Personal installment loans
• Online lending
• Unsecured consumer credit

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer Loans: Primary revenue from interest and fees on non-bank consumer loans (pożyczki pozabankowe). Loans range from small amounts to 25,000 PLN with repayment periods up to 48 months. Revenue includes interest and extra-interest costs (opłaty związane z doprowadzeniem do zawarcia umowy pożyczki, jej obsługą i realizacją).
2. Insurance Products: Supplementary revenue from insurance packages offered alongside loans: AXA Pakiet Bezpieczny (accident insurance), AXA Pakiet Home (home insurance), and AXA Pakiet Medi (medical insurance).
3. Language Learning Packages: Tele-Nauka language courses offered through partnership with Tele-Nauka Sp. z o.o. Courses range from 2,950 PLN for 1-year basic course to 3,750 PLN for 2-year intensive course.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Profi Credit Polska S.A. provides unsecured non-bank consumer loans (pożyczki pozabankowe) to individual borrowers in Poland, with amounts up to 25,000 PLN and repayment terms up to 48 months. Distribution occurs through a hybrid network of nearly 700 field financial advisors, a call center, and an online application channel with biometric verification. Supplementary offerings include AXA-branded insurance packages (accident, home, medical) and Tele-Nauka English language courses.

Product overview

Profi Credit Polska S.A. operates as a non-bank lending company offering primarily unsecured personal loans. The core product is the Pożyczka Pozabankowa (non-bank loan) providing up to 25,000 PLN through both online and traditional branch channels, with the online variant (Pożyczka Online) allowing fully remote applications up to 15,000 PLN with up to 48 monthly installments. The company has expanded its ecosystem to include complementary services: language learning packages (Tele-Nauka) and medical insurance packages (Pakiety Medyczne with AXA). Customer engagement is managed through the Strefa Klienta portal and myPROFI mobile app, while distribution is supported by the Internetowy Program Partnerski (Partner Program) with API integration for credit agencies and E-GATE partner portal. A loyalty program (Klub Dobrego Klienta) rewards long-term customers with better loan terms. Founded in 2004, the company has issued over 686 million PLN in total loans and maintains a network of field offices with nearly 700 financial advisors across Poland.

Differentiator

Problem solved

Functional benefit

Brands

• Klub Dobrego Klienta: A loyalty program for good clients offering benefits such as access to higher loan amounts, simplified processes, reduced formalities, and a dedicated VIP hotline. Membership is available after 6 months of timely repayments.

Products and services

• Pożyczka Pozabankowa (Non-Bank Loan) Core unsecured non-bank consumer loan for individual customers in Poland, offering up to 25,000 PLN with repayment periods up to 48 months. Distributed through field financial advisors, telephone sales, and online channels with creditworthiness assessment against internal and external databases.
• Pożyczka Online (Online Loan) Fully remote online variant of the non-bank consumer loan, allowing individual customers to borrow up to 15,000 PLN over up to 42-48 monthly installments. Application includes biometric verification and decision often within minutes, with funds transferred to the customer's bank account.
• Pakiety Medyczne i Ubezpieczeniowe (AXA Insurance Packages) Supplementary insurance packages — AXA Pakiet Bezpieczny (accident insurance), AXA Pakiet Home (home insurance), and AXA Pakiet Medi (medical insurance) — offered to loan customers as optional coverage, with medical services delivered in partnership with JP Medica.
• Tele-Nauka (Language Learning Packages) English language courses offered as an add-on through a partnership with Tele-Nauka.pl Sp. z o.o. Basic course priced at 2,950 PLN/year or 3,550 PLN for 2 years; intensive course at 3,250 PLN/year or 3,750 PLN for 2 years, with 8 or 12 online lessons per month with native speaker teachers.

Quantifiable outcome

• Credit decisions often provided during first phone conversation
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Tele-Nauka Sp. z o.o.minorStrategic or Co-development PartnerProvider of language learning services offered through Profi Credit platform. Offers English language courses via communicative method with 8 or 12 monthly lessons per course. Tele-Nauka delivers course content while Profi Credit provides customer distribution through its network.
• AXAminorStrategic or Co-development PartnerInsurance provider for Pakiet Bezpieczny (accident insurance), Pakiet Home (home insurance), and Pakiet Medi (medical insurance) products offered to loan customers as optional supplementary coverage.
• JP MedicaminorStrategic or Co-development PartnerMedical services provider for Pakiet Medi insurance products offered through Profi Credit platform. Provides access to medical services for loan customers subscribing to insurance packages.
• SOS Wioski DziecięceminorOthersPolish child welfare organization supported through 'Dziecięcy Uśmiech z PROFI CREDIT' charitable program. Profi Credit participates in various charitable activities supporting children in need through this organization.
• UNICEF Czech RepublicminorOthersInternational charity organization supported through 'Dziecięcy Uśmiech z PROFI CREDIT' charitable program operating across all countries where the company operates.
• Credit Check (Forum Wiarygodnej Wymiany Informacji FWWI / Platformy Wymiany Informacji Pożyczkowej PWIP)coreTechnology or IntegrationCredit information exchange platform connecting non-bank lenders for shared creditworthiness assessment. Profi Credit participates as member of FWWI and PWIP, enabling verification of borrower credit history across member institutions.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Regional players

• Profi Credit Czech Republic: Sibling entity under the same Profireal Group SE parent operating the same non-bank consumer lending model in the Czech Republic; useful comparable for product economics, scaling, and regulatory exposure in a neighboring market.

Broad incumbents

• Credit Agricole Bank Polska: Universal bank in Poland offering consumer cash loans and credit cards to overlapping customer segments; represents the bank-channel competition Profi Credit explicitly positions against for underbanked borrowers.
• PKO Bank Polski: Poland's largest universal bank offering consumer loans and credit cards; serves as a benchmark for traditional bank credit availability that defines Profi Credit's target underserved segment.
• Home Credit (Home Credit Polska): Large CEE installment-lending group with a Polish subsidiary offering consumer credit and POS financing; comparable customer segment and product but with broader international scale and a wider product portfolio.

Direct peers

• Provident Polska: One of the largest non-bank consumer lenders in Poland offering installment loans in the home (door-to-door) and online channels. Directly comparable in product, customer segment (subprime/underbanked), and multi-channel distribution model.
• Monedo (formerly Kredito24): Online consumer credit platform operating in Poland offering personal installment loans; comparable digital channel, scoring-driven underwriting, and unsecured consumer-lending product.
• Aasa Polska: Non-bank installment lender serving Polish consumers with online and offline channels; similar target customers (near-prime / non-bankable) and loan-size range, making it a close functional competitor.
• Vivus.pl: Online non-bank consumer lender operating in Poland with a similar short-form installment loan offering to underbanked consumers. Competes head-on in the digital consumer-lending category.
• Hapi Loans (Hapipożyczki): Polish non-bank installment lender targeting similar consumer segments with online and traditional origination; competes on similar loan size, term, and customer profile.
• Multitude (formerly Ferratum): European-listed digital consumer and SME lender with Polish operations; comparable in serving underbanked borrowers with small-ticket installment loans through a digital-first channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/profi-credit-poland

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Profi Credit Polska S.a.