Wonga

No more applying every time you need money.

Wonga Limit is an app with a renewable limit of up to 4,000 PLN. Activate once and use it whenever and however you want.

🔹 BUY NOW, PAY LATER – WHICH STORES DOES WONGA COVER?🔹

Anywhere you can pay with a VISA card – either using your NFC-enabled phone or a pre-ordered physical card. Wonga offers many more options than the standard buy now pay later (BNPL) service. Our mobile payment app allows you to make purchases in installments, buy shoes and cosmetics online, and even add your card to Google Pay.

🔹 CONTACTLESS PAYMENTS BY PHONE, WATCH, CARD 🔹

Wonga is always with you – in your pocket, purse, wallet, hand, or wrist. Click the app, see your balance, and hold your device close to the terminal. And that's it! You can also withdraw cash with your Wonga VISA card from all ATMs in Poland for FREE. Prefer a physical card? Order it in the app!

Wonga Limit is a revolving credit limit with a payment account – operated by Wonga.pl sp. z o.o. (Small Payment Institution, KNF register no. MIP97/2021). This material does not constitute an offer.

The Wonga app is available for Android phones.

Minimum repayment period: 165 days

Maximum repayment period: 165 days

APR - 130.48%

MAX APR - 256.81%.

The granting of a loan (or limit) depends on a positive creditworthiness assessment and the conclusion of a payment services agreement. Details and terms can be found in the Table of Fees and Charges, the Mobile Application Terms and Conditions, and the Terms and Conditions for the Issuance and Service of Planet Pay Cards, available at www.wonga.pl/dokumenty. Lender and payment service provider: Wonga.pl sp. z o.o. Payment card issuer: Planet Pay sp. z o.o.

Wonga Limit – One-off repayment due on the 15th of the following month:

Representative example: Annual Percentage Rate (APR): 256.81%, total loan amount (excluding loan-financed costs): PLN 1,000.00, total amount payable: PLN 1,050.00, fixed nominal interest rate 0.00%, total loan cost: PLN 50.00 (including: commission for the Used Amount: PLN 50.00, interest: PLN 0.00), loan period: 14 days. Calculation as of January 1, 2026

Wonga Limit – Installment Plan:

Annual Percentage Rate (APR): 130.48%, total loan amount (excluding loan-backed costs): PLN 1,000.00, total amount payable: PLN 1,168.60, nominal variable interest rate of 15.00%, total loan cost: PLN 168.60 (including: Used Amount fee: PLN 50.00, Repayment Schedule fee: PLN 86.00, interest: PLN 32.60), loan term: 5 months, first installment including Used Amount fee of PLN 275.41, 3 equal monthly installments of PLN 225.41, and final installment of PLN 216.96. Calculation as of January 1, 2026.

Explanations of terms related to representative services linked to a payment account covered in this material can be found on the website www.wonga.pl/dokumenty. Calls to numbers 22 388 88 88, 660 168 100, and 696 480 933 cost according to your operator's tariff. The Customer Service Office is open Monday through Friday from 8:00 AM to 8:00 PM and on Saturdays from 9:00 AM to 5:00 PM (except public holidays).

Wonga.pl sp. z o.o. with its registered office in Warsaw, ul. Żaryna 2B, building D, 02-593 Warsaw, registered in the Register of Entrepreneurs of the National Court Register maintained by the District Court for the capital city of Warsaw in Warsaw, 13th Commercial Division of the National Court Register, under number 0000412352, NIP 1132853869, REGON 146025969 and with the share capital of PLN 32,137,050.00.