Car Loan | Up to PLN 50,000 via the Internet

May 7, 2019 Off By admin

Outbank is a bank from Estonia, which debuted recently in our country. The bank does not have any facilities – all products will be obtained entirely via the Internet. Outbank’s offer is an online loan, a fast loan, deposits and a car loan introduced at the beginning of June. Outbank also operates in Germany, Austria and Latvia.

Inbanek’s car loan looks almost revolutionary among other offers available on the Polish market. The bank provides credit without any security in the form of a registered pledge, transfer of ownership as security or entry in the registration document. There is also no assignment of insurance rights, and we still get the money before choosing the vehicle .

Outbank car loan – details of the offer

Inbank car loan - details of the offer

  • Loan amount: from 4000 to 50,000 PLN
  • Repayment: from 4 to 72 months
  • Purpose: car, motorcycle or quad
  • The loan entirely via the Internet
  • Without any protection on the vehicle
  • No entry in the registration certificate
  • Additional cash for any purpose
  • Available loan calculator

Submit an application



The car loan is available entirely via the Internet. The whole process looks as follows:

1. Use the sliders to choose the amount of the loan and the repayment period.

2. We fill out the loan application.

3. Credit decision and payment of money to the account.

4. Only after the payment of money we buy any vehicle, motorcycle or quad.

5. We send to the bank documents confirming the purchase (within 30 days)

As you can see, the procedure looks very attractive and convenient from the client’s perspective. First, he receives money from the loan, and then he buys any vehicle of his choice (motorcycle or quad). We have 30 days to send your documents to Outbanku. If we do not do it – the bank will raise the commission for receiving the loan.



Outbank provides a loan calculator, which will allow you to set the installment amount before submitting the application. Let’s check the example simulations:

  • Car loan PLN 10,000 for 2 years, monthly installment PLN 457.24
  • Car loan PLN 10,000 for 4 years, the monthly installment is PLN 244.76
  • Car loan PLN 15,000 for 4 years, monthly installment PLN 367.14
  • Car loan PLN 20,000 for 5 years, monthly installment PLN 404.96
  • Car loan PLN 30,000 for 5 years, monthly installment PLN 607.43.

You can learn the amount of your installment here.

The maximum amount is PLN 50,000. When spreading it for 6 years, the monthly installment will be 882.02. The minimum annual interest rate (APRC) is 8.08%. Great result. Car loans have always been cheaper than regular cash loans, but at the expense of establishing security on the vehicle. And there are no safeguards in Outbank.


Car loan in Outbank is probably the best offer of this type on the market. Noteworthy is the high loan amount, its low cost, and above all the lack of any security. The procedure is kept to a minimum – we do all the formalities on the Internet. The icing on the cake is the fact that we buy the car only after receiving the money on the account.


  • – high loan amount
  • – long repayment period
  • – the possibility of buying not only a car
  • – the whole procedure online
  • – without protection on the vehicle
  • – loan calculator available
  • – money before choosing the vehicle
  • – the possibility to finance insurance or purchase tires


  • – the loan amount could be higher

Representative example: Actual Annual Interest Rate (APR) is 9.77%, total loan amount (without credited costs) PLN 13728,27, total amount to be paid PLN 17613,73, annual interest rate 6.99%, total cost PLN 3858.46 (including: commission PLN 822,32, interest PLN 3063.14), contract concluded for a period of 66 months, 65 monthly installments equal to PLN 266.87, last installment PLN 267.18. The calculation was made on 05/06/2017 on a representative example.