The user selects an amount and term, completes an online form and may then be matched with a potential lender. The lender performs its own assessment and provides the final agreement.

Funeda promotes a simplified online process and may accept applications from users with weaker credit histories, but this is not the same as guaranteed approval or a loan without credit assessment.

The current site also contains different representative APR examples. This is another reason to rely on the actual lender's individual disclosure rather than a generic website example.

For qualifying Polish consumer credit, statutory rights include early repayment and, generally, a 14-day withdrawal period.