Ratika is an online credit intermediary operated by Ban kos Technology OÜ. It does not lend its own money. Users complete one application and may be matched with offers from third-party financial partners.
How Ratika works
Select the amount
The calculator currently shows PLN 100 to PLN 150,000.
Complete the application
Provide personal, contact and financial details.
Continue with a partner
The partner performs the final credit assessment.
Is Ratika free?
Yes. Ratika states that submitting an application and matching offers is free.
APR and loan costs
Ratika does not have one universal APR because it is not the lender.
Final APR, interest, commissions and total repayment are determined by the financial partner.
BIK and credit history
Ratika may match offers for customers with a weaker credit history, but lenders can still check BIK, KRD or other databases.
Are 0% loans available?
Some partners may provide promotional 0% loans for new customers.
Ratika itself does not provide the 0% financing. All conditions belong to the lender.
Several active loans
Before taking another loan, review your outstanding balances, monthly payments and total borrowing costs.
Balances
Check how much is still outstanding.
APR
Identify which debts are more expensive.
Monthly burden
Calculate the total monthly repayment amount.
Refinancing
Ratika does not provide its own refinancing product.
If a partner offers refinancing or debt consolidation, the terms are determined directly by that financial company.
Personal data
The application may include identity, contact, employment, income and bank account information.
Relevant data may be passed to financial partners for application assessment.
Frequently asked questions
Is Ratika a lender?
No. Ratika is a credit intermediary and loan comparison platform.
Is Ratika free?
Yes. The platform does not charge for matching loan offers.
How much can I select?
The calculator currently displays amounts from PLN 100 to PLN 150,000.
Does Ratika guarantee approval?
No. The final decision belongs to the financial partner.
Can lenders check BIK?
Yes. Database checks depend on the selected lender.
Does Ratika refinance existing loans?
Not directly. Refinancing may only be offered by an external partner.
Compare offers with Ratika
Before signing a contract, check the actual lender, APR, commissions, repayment period and total amount payable.
Go to RatikaRatika is not a bank or direct lender. The service is operated by Ban kos Technology OÜ. Final approval, APR, amount, fees and repayment terms are determined by the selected financial partner.