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4.2 out of 5 Ratings: 17485 Ratings: 11

10.000$ for 30 days at max
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Kuki.pl is a new brand on the Polish loan market, it has been operating since 2017. It provides quick loans via the Internet 7 days a week. The company's employees are also available on Saturday and Sunday, which allows you to offer payday loans at the weekend . In order to protect consumers against the consequences of excessive indebtedness, the company joined the Credit Check program. Kuki offers new customers a free loan of up to $ 5,000. The application procedures are not complicated, but we must take into account that the lender will check our credit history in such institutions as: BIK, BIG, KRD, ERIF, Infomonitor . If we have any outstanding obligations, the application may be rejected. Regardless of which loan we apply for, each one can be taken for a period of 30 to 30 days. The minimum loan amount is $ 500. Each payday loan can be refinanced for 7, 14 or 30 days. This involves additional fees, but they are within the limits imposed by the Anti-usury Act . The first loan repayment date can be extended twice. Although Kuki.pl has a short history, it has already gained a large group of customers and opens the ranking of payday loans online with a high position. Its undoubted advantage is the fact that the procedures take place only online.

Go to the conclusion

The first loan at Kuki is $ 5,000 for free - THE PROMOTION IS OUT OF STATE

Following the example of other non-banking institutions, Kuki offers new customers payday loans for free . Considering that this is an offer prepared for people who have not used the company's services so far, the loan amount is significant. We can borrow up to $ 5,000 for 30 days. All payday loans in Kuki have the same loan period: from 30 to 30 days. A free first loan means we won't pay fees and commissions. The interest rate on payday loans (APRC) is 0%, and the total cost of the loan is $ 0 . We pay back exactly as we borrowed, subject to timely repayment. You can pay off a quick loan ahead of schedule. However, if we have problems with repayment, we can use the extension. In the case of the first loan, this is possible twice. However, you must be aware that in this case the loan is no longer free . Although the refinancing fees are within the limits set by applicable law, the payday loan loses its greatest advantage: no costs . For this reason, loans should always be taken with the intention of timely repayment, and the possibility of refinancing only as a solution in a crisis situation. Paying off the first payday loan within the prescribed period pays off with an increase in the customer's credibility in the eyes of the lender and an increase in financial limits for subsequent loans, which, of course, are already fully paid.

Conditions necessary to receive a loan on Kuki.pl

Kuki has similar requirements to many other loan institutions. They only differ in minor details. To receive a loan at Kuki, you must meet the necessary conditions:
  • be between 20 and 75 years old;
  • live in the territory of the Republic of Poland;
  • have a valid ID card, PESEL number and full legal capacity;
  • have an active mobile phone;
  • have an account in a bank operating in Poland with an active electronic banking system;
  • have internet access.

The application procedure begins with selecting the loan amount and loan period on the lender's website. This is facilitated by comfortable zippers. Then an online form will be displayed, in which you must enter basic personal data. We also provide a phone number. We will receive a verification code to this number, which should be entered in a specific box on the form. We also set our individual password, which we will log in each time on the lender's website. In the payday application, we also choose the source of our income from among the options indicated. We do not have to indicate specifically, it is enough to specify the type of income. Kuki will also ask for a one-cent registration transfer made from our account to the lender's account. This serves to analyze whether we use an account opened in our name. So far, Kuki has not introduced the possibility of verifying the client's bank account using the application without transferring a penny . On the other hand, the company checks applicants in available credit reference offices, such as BIK, BIG or KRD . We soon receive the decision in SMS and e-mail. Applying for another loan makes it much easier, because the verification process is no longer necessary. Then, having a bank account in the same bank as the lender, we can receive cash within a few minutes.
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Extension of payday repayment in Kuki

At Kuki.pl, it is possible to refinance payday loans , both the first and the next. In the case of the first refinancing, you can do it twice and it is not that severe, because we do not pay fees for granting a payday . However, when it comes to later loans, you can refinance them only once, but remember that they are full-paid loans, so the cost of refinancing increases the total cost of the loan. Of course, the Anti-usury Act limited lenders from the ability to freely raise costs, so it is impossible to exceed the statutory ceilings (non-interest costs may not exceed 25% of the value of the payday loan and additionally 30% of its value per year). Nevertheless, it is definitely better to pay off the payday loan on time. The loan repayment can be extended by 7, 14 or 30 days. For example, with the maximum amount of $ 8,000, you have to pay for extending the deadline: 7 days - $ 776, 14 days - $ 840, 30 days - $ 976.

Expert opinion

Kuki.pl is a young brand that quickly gains new customers. The company's biggest advantages are: the service office is open every day, free loan up to $ 5,000 (promotion is no longer valid), the possibility of extending the loan repayment period, quick decision and withdrawal of funds, the possibility of paying back the payday loan before the deadline without consequences. The company has a reputation for being consumer-friendly due to joining the Credit Check system.

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Accurate details of the lender

Ducatos Sp. z o. o
ul. Postępu 18B
02-676 Warsaw

Data of the owner of the Kuki.pl website

Fincapital Sp. z o. o
ul. Postępu 18B
02-676 Warsaw

Kuki customer service opening hours

Monday - Friday: 08:00 - 22:00
Saturday: 09:00 - 17:00
Sunday: 09:00 - 17:00
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Representative example for the first loan: The one-time registration fee is $ 0.01. $ 1,300 loan for 30 days; The Actual Annual Interest Rate (APR) is 513.89%; total loan amount: $ 1,300; variable interest per annum: 7.2%; total cost of the loan: $ 209.10, including: Commission $ 201.41, Interest $ 7.69; duration of the contract: 30 days; total amount to be repaid: $ 1,509.10.
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Rating: 4.2 out of 5 Ratings: 17485
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Reviews about Kuki.pl

I took a payday loan with them and there were no problems. I am very pleased.
Katarina recommends Jul 15, 2019 09:36
The first loan is actually free. I managed to get as much as $ 3,000, which is the maximum loan for free. I took it for two weeks because I just needed a vacation. It was a good choice.
Agata recommends 04/27/2019 18:17
too long verification time
Patrick does not recommend 04/19/2019 17:36
The money was on my account very quickly. I am very happy with it. first of all, I did not pay anything because the first loan is free. I borrowed away and there is no topic :) I can recommend
romek recommends 16-01-2019 9:02
I took a loan from Kuki and everything was fine.
Karolina recommends 02-01-2019 09:50
I recommend! I am a satisfied customer of Kuka :-) I borrowed $ 2,000 from them for a new dishwasher because it was trying to break, or I don't have creditworthiness. In fact, they did not take a penny from me for the first loan! Revelation
Elżbieta recommends Nov 27, 2018 09:38
I got 1000 $ for 0 $, the money has already reached my account, I am satisfied
eekran recommends November 22, 2017 20:19
interesting offer, positive decision, without any problems and unnecessary formalities
Logan recommends November 16, 2017 19:53
all right, money granted quickly, I can recommend
kosma2 recommends Oct 25, 2017 21:25
quick decision, simple conclusion, ok for me
Highlander is recommended on September 12, 2017 20:05
unfortunately they didn't give it to me, I don't know why :(
rafal.z does not recommend 09/03/2017 21:16
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