Refinancing Loans

1 loan 0 guesswork

See if you can lower your monthly repayments, reduce your interest rates, and manage your debts — all in one place.

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Manage all your debts in one place

Apply in-app in minutes for a refinancing loan from zł 500 to zł 150,000. Combine your existing credit into one simple repayment plan, allowing you to manage your balances in one place.

Benefit from competitive rates

Get a better deal on your loan, with attractive rates from 7,99%. Plus, enjoy flexible payment options and spread your repayments across up to 10 years.

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Repay your way, with no fee

Pay early or change your repayment dates free of charge — anytime, anywhere. So you can pay at a time that suits you best and save even more on the costs of your debt.

Need a little more help?

FAQs

  • Refinancing allows you to take out a new loan (a refinancing loan) to pay off one or more existing personal loans. This can help you consolidate your debts, potentially request additional funds if you are eligible, and manage your finances with a single loan.

    • For existing Revolut loans: Once your refinancing loan is approved, your previous Revolut loan will be automatically closed. The new loan details, including balance and repayment schedule, will appear in your app. Any additional funds you are eligible for will be disbursed to your Revolut account.
    • For loans with other banks/lenders: The funds from your new refinancing loan will be transferred to pay off your existing loan. This transfer can be made directly to the external bank account holding your existing loan, or to your current account, based on the details you provide during the application. You will then be responsible for ensuring your external loan account is settled with the transferred funds.

  • The application process is handled within the Revolut app. For internal refinancing of an existing Revolut loan, you would already be a Revolut account holder.

  • When you apply for a refinancing loan, we will need to assess your financial situation and creditworthiness. This assessment often involves fetching data from credit bureaus. Such credit checks performed by lenders can be recorded on your credit report and may influence your credit score.

  • While specific criteria can vary, generally your existing credit facilities should meet the following:

    • They must be personal loans
    • The loan must be in your name (as a sole or joint borrower)
    • The outstanding balance of your existing loan(s) must be within the range that Revolut can offer for refinancing (you typically cannot partially refinance a credit commitment)

What is the effective APR?

Representative example for a Revolut Refinancing loan

Representative Example: The Annual Percentage Rate (APR) for a 10,000 PLN loan is 15,8%. Term: 36 months, which means, you will pay 36 monthly instalments of 321.87 PLN. The total amount repayable is 11 587.32 PLN. Total cost of credit: 1 587.32 PLN (inluding: 0 PLN origination fee, 1 587.32 PLN of interest).

The calculation is as of 17 July 2026 — based on a representative example.

The information above is for guidance purposes only and does not constitute an offer within the meaning of Article 66 of the Polish Civil Code. The granting of the loan and its terms depend on a positive creditworthiness assessment of the client.

Lending criteria and T&Cs apply. Refinancing loans are available to Revolut customers who are residents of Poland over the age of 18. All credit applications are subject to approval. Services provided by Revolut Bank UAB, regulated by the Bank of Lithuania and ECB. 18+ only.