{"id":77,"date":"2024-12-21T06:14:55","date_gmt":"2024-12-21T05:14:55","guid":{"rendered":"https:\/\/piggybox.pl\/?page_id=77"},"modified":"2026-09-03T15:20:53","modified_gmt":"2026-09-03T13:20:53","slug":"qa","status":"publish","type":"page","link":"https:\/\/piggybox.pl\/uk\/qa\/","title":{"rendered":"\u041f\u0418\u0422\u0410\u041d\u041d\u042f \u0422\u0410 \u0412\u0406\u0414\u041f\u041e\u0412\u0406\u0414\u0406"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"77\" class=\"elementor elementor-77\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67237bef e-flex e-con-boxed e-con e-parent\" data-id=\"67237bef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-46f22628 e-flex e-con-boxed e-con e-child\" data-id=\"46f22628\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-77f8dfd5 e-con-full e-flex e-con e-child\" data-id=\"77f8dfd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2133c07d elementor-widget elementor-widget-heading\" data-id=\"2133c07d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pytania i odpowiedzi<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e05a13 e-flex e-con-boxed e-con e-parent\" data-id=\"6e05a13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e4bcd41 e-flex e-con-boxed e-con e-child\" data-id=\"e4bcd41\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02a82f1 elementor-widget elementor-widget-image-carousel\" data-id=\"02a82f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;5&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;navigation&quot;:&quot;none&quot;,&quot;autoplay_speed&quot;:500,&quot;speed&quot;:7000,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:53,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;4&quot;,&quot;slides_to_show_mobile&quot;:&quot;2&quot;,&quot;slides_to_scroll_tablet&quot;:&quot;1&quot;,&quot;slides_to_scroll_mobile&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;image_spacing_custom_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Karuzela obrazk\u00f3w\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 \u0437 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/piggybox.pl\/wp-content\/uploads\/2025\/01\/6.png\" alt=\"6\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 \u0437 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/piggybox.pl\/wp-content\/uploads\/2025\/01\/3.png\" alt=\"3\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 \u0437 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/piggybox.pl\/wp-content\/uploads\/2025\/02\/0001593a5a141c.png\" alt=\"0001593a5a141c\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 \u0437 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/piggybox.pl\/wp-content\/uploads\/2025\/02\/5069de044aa202.png\" alt=\"5069de044aa202\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 \u0437 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/piggybox.pl\/wp-content\/uploads\/2025\/02\/a5dc51a7c0776f.png\" alt=\"a5dc51a7c0776f\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 \u0437 6\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/piggybox.pl\/wp-content\/uploads\/2025\/02\/bb272715629068.png\" alt=\"bb272715629068\" \/><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73da4fb5 e-flex e-con-boxed e-con e-parent\" data-id=\"73da4fb5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1406ce8 e-flex e-con-boxed e-con e-child\" data-id=\"1406ce8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7ac5af34 e-flex e-con-boxed e-con e-child\" data-id=\"7ac5af34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b67dd12 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"6b67dd12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6aad13b4f1351\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-6b67dd12\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-4400cfd6aad13b4f1351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4400cfd6aad13b4f1351\" aria-expanded=\"true\" aria-controls=\"Collapse-4400cfd6aad13b4f1351\">\n                            \n                            <span class=\"ekit-accordion-title\">Jak dzia\u0142a por\u00f3wnywarka kredytowa?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4400cfd6aad13b4f1351\" class=\" show collapse\" role=\"region\" aria-labelledby=\"primaryHeading-0-6b67dd12\" data-parent=\"#accordion-6aad13b4f1351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Por\u00f3wnywarka kredytowa zbiera oferty od r\u00f3\u017cnych bank\u00f3w i instytucji finansowych, a nast\u0119pnie przedstawia je w spos\u00f3b przejrzysty i zrozumia\u0142y, aby u\u0142atwi\u0107 wyb\u00f3r najbardziej korzystnego kredytu. U\u017cytkownik wprowadza podstawowe dane, takie jak kwota kredytu, okres sp\u0142aty, a narz\u0119dzie wy\u015bwietla dost\u0119pne oferty.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-6b67dd12\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-ce5840a6aad13b4f1351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ce5840a6aad13b4f1351\" aria-expanded=\"false\" aria-controls=\"Collapse-ce5840a6aad13b4f1351\">\n                            \n                            <span class=\"ekit-accordion-title\">Czy korzystanie z por\u00f3wnywarki kredytowej jest bezp\u0142atne?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ce5840a6aad13b4f1351\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-1-6b67dd12\" data-parent=\"#accordion-6aad13b4f1351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Tak, korzystanie z por\u00f3wnywarki kredytowej jest ca\u0142kowicie bezp\u0142atne. Nasze narz\u0119dzie s\u0142u\u017cy do pomocy w znalezieniu najlepszego kredytu i nie pobieramy \u017cadnych op\u0142at za dost\u0119p do informacji. Bezpo\u015brednie wynagrodzenie dostajemy od instytucji finansowych.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-6b67dd12\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-9c734026aad13b4f1351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9c734026aad13b4f1351\" aria-expanded=\"false\" aria-controls=\"Collapse-9c734026aad13b4f1351\">\n                            \n                            <span class=\"ekit-accordion-title\">Czy korzystanie z por\u00f3wnywarki wp\u0142ywa na moj\u0105 histori\u0119 kredytow\u0105?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9c734026aad13b4f1351\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-2-6b67dd12\" data-parent=\"#accordion-6aad13b4f1351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Nie, korzystanie z por\u00f3wnywarki kredytowej nie wp\u0142ywa na Twoj\u0105 histori\u0119 kredytow\u0105. Nasza por\u00f3wnywarka tylko por\u00f3wnuje oferty kredytowe i nie wysy\u0142a zapyta\u0144 do Biura Informacji Kredytowej (BIK), co mog\u0142oby obni\u017cy\u0107 Tw\u00f3j scoring kredytowy.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-6b67dd12\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-32db1876aad13b4f1351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-32db1876aad13b4f1351\" aria-expanded=\"false\" aria-controls=\"Collapse-32db1876aad13b4f1351\">\n                            \n                            <span class=\"ekit-accordion-title\">Jakie dane musz\u0119 poda\u0107, aby zobaczy\u0107 ofert\u0119?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-32db1876aad13b4f1351\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-3-6b67dd12\" data-parent=\"#accordion-6aad13b4f1351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Wymagamy tylko podstawowych informacji tj. imi\u0119, nazwisko, numer telefonu, adres e-mail oraz zaznaczenia wymaganych zg\u00f3d.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-6b67dd12\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-1887ffe6aad13b4f1351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1887ffe6aad13b4f1351\" aria-expanded=\"false\" aria-controls=\"Collapse-1887ffe6aad13b4f1351\">\n                            \n                            <span class=\"ekit-accordion-title\">Jak wybra\u0107 najlepsz\u0105 ofert\u0119 kredytow\u0105?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1887ffe6aad13b4f1351\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-4-6b67dd12\" data-parent=\"#accordion-6aad13b4f1351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Najlepsz\u0105 ofert\u0119 kredytow\u0105 powinno si\u0119 wybiera\u0107 na podstawie kilku kluczowych czynnik\u00f3w: RRSO (Rzeczywista Roczna Stopa Oprocentowania), oprocentowanie, op\u0142aty dodatkowe (np. prowizja), okres kredytowania i miesi\u0119czna rata. Nasza por\u00f3wnywarka wy\u015bwietla te informacje, co pozwala na \u0142atwe por\u00f3wnanie.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-6b67dd12\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-ffb473c6aad13b4f1351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ffb473c6aad13b4f1351\" aria-expanded=\"false\" aria-controls=\"Collapse-ffb473c6aad13b4f1351\">\n                            \n                            <span class=\"ekit-accordion-title\">Czy mog\u0119 z\u0142o\u017cy\u0107 wniosek o kredyt bezpo\u015brednio przez por\u00f3wnywark\u0119?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ffb473c6aad13b4f1351\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-5-6b67dd12\" data-parent=\"#accordion-6aad13b4f1351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Tak, nasza por\u00f3wnywarka umo\u017cliwia sk\u0142adanie wniosk\u00f3w kredytowych bezpo\u015brednio u wybranych kredytodawc\u00f3w. Po wybraniu najlepszej oferty zostaniesz przekierowany do formularza wniosku, gdzie doko\u0144czysz proces aplikacji, a nast\u0119pnie skontaktuje si\u0119 z Tob\u0105 doradca.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-6b67dd12\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-08bd65d6aad13b4f1351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-08bd65d6aad13b4f1351\" aria-expanded=\"false\" aria-controls=\"Collapse-08bd65d6aad13b4f1351\">\n                            \n                            <span class=\"ekit-accordion-title\">Co to jest RRSO i dlaczego jest wa\u017cne?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-08bd65d6aad13b4f1351\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-6-6b67dd12\" data-parent=\"#accordion-6aad13b4f1351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>RRSO, czyli Rzeczywista Roczna Stopa Oprocentowania, to wska\u017anik, kt\u00f3ry pokazuje ca\u0142kowity koszt kredytu w uj\u0119ciu rocznym, uwzgl\u0119dniaj\u0105c oprocentowanie, prowizje, ubezpieczenia i inne op\u0142aty. Jest to najwa\u017cniejszy wska\u017anik pozwalaj\u0105cy por\u00f3wna\u0107 r\u00f3\u017cne oferty, poniewa\u017c pokazuje rzeczywisty koszt zobowi\u0105zania.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-6b67dd12\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-f8c06a46aad13b4f1351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f8c06a46aad13b4f1351\" aria-expanded=\"false\" aria-controls=\"Collapse-f8c06a46aad13b4f1351\">\n                            \n                            <span class=\"ekit-accordion-title\">Z jakimi bankami i firmami po\u017cyczkowymi wsp\u00f3\u0142pracuje PiggyBox w ramach us\u0142ugi po\u015brednictwa kredytowego?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f8c06a46aad13b4f1351\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-7-6b67dd12\" data-parent=\"#accordion-6aad13b4f1351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>PiggyBox \u015bwiadczy us\u0142ugi po\u015brednictwa kredytowego we wsp\u00f3\u0142pracy z wieloma renomowanymi instytucjami finansowymi. Wsp\u00f3\u0142pracujemy z nast\u0119puj\u0105cymi bankami: Citi Handlowy, Alior Bank, BNP Paribas Bank Polska, Santander Consumer Bank, Bank Pekao, Bank Millennium, VeloBank, Raiffeisen Digital Bank, Santander Bank Polska, Cr\u00e9dit Agricole, PKO Bank Polski oraz Kasa Stefczyka.<\/p><p>Dodatkowo oferujemy produkty finansowe pozabankowych instytucji po\u017cyczkowych, takich jak: Smartney.pl, Provident, SuperGrosz i Viviraty.<\/p><p>Dzi\u0119ki szerokiej sieci partner\u00f3w mo\u017cemy zapewni\u0107 naszym klientom kompleksowe por\u00f3wnanie ofert kredytowych dost\u0119pnych na rynku i pom\u00f3c w wyborze najkorzystniejszej opcji dopasowanej do indywidualnych potrzeb.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Jak dzia\u0142a por\u00f3wnywarka kredytowa?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Por\u00f3wnywarka kredytowa zbiera oferty od r\u00f3\u017cnych bank\u00f3w i instytucji finansowych, a nast\u0119pnie przedstawia je w spos\u00f3b przejrzysty i zrozumia\u0142y, aby u\u0142atwi\u0107 wyb\u00f3r najbardziej korzystnego kredytu. U\u017cytkownik wprowadza podstawowe dane, takie jak kwota kredytu, okres sp\u0142aty, a narz\u0119dzie wy\u015bwietla dost\u0119pne oferty.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Czy korzystanie z por\u00f3wnywarki kredytowej jest bezp\u0142atne?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Tak, korzystanie z por\u00f3wnywarki kredytowej jest ca\u0142kowicie bezp\u0142atne. Nasze narz\u0119dzie s\u0142u\u017cy do pomocy w znalezieniu najlepszego kredytu i nie pobieramy \u017cadnych op\u0142at za dost\u0119p do informacji. Bezpo\u015brednie wynagrodzenie dostajemy od instytucji finansowych.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Czy korzystanie z por\u00f3wnywarki wp\u0142ywa na moj\u0105 histori\u0119 kredytow\u0105?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Nie, korzystanie z por\u00f3wnywarki kredytowej nie wp\u0142ywa na Twoj\u0105 histori\u0119 kredytow\u0105. Nasza por\u00f3wnywarka tylko por\u00f3wnuje oferty kredytowe i nie wysy\u0142a zapyta\u0144 do Biura Informacji Kredytowej (BIK), co mog\u0142oby obni\u017cy\u0107 Tw\u00f3j scoring kredytowy.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Jakie dane musz\u0119 poda\u0107, aby zobaczy\u0107 ofert\u0119?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Wymagamy tylko podstawowych informacji tj. imi\u0119, nazwisko, numer telefonu, adres e-mail oraz zaznaczenia wymaganych zg\u00f3d.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Jak wybra\u0107 najlepsz\u0105 ofert\u0119 kredytow\u0105?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Najlepsz\u0105 ofert\u0119 kredytow\u0105 powinno si\u0119 wybiera\u0107 na podstawie kilku kluczowych czynnik\u00f3w: RRSO (Rzeczywista Roczna Stopa Oprocentowania), oprocentowanie, op\u0142aty dodatkowe (np. prowizja), okres kredytowania i miesi\u0119czna rata. Nasza por\u00f3wnywarka wy\u015bwietla te informacje, co pozwala na \u0142atwe por\u00f3wnanie.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Czy mog\u0119 z\u0142o\u017cy\u0107 wniosek o kredyt bezpo\u015brednio przez por\u00f3wnywark\u0119?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Tak, nasza por\u00f3wnywarka umo\u017cliwia sk\u0142adanie wniosk\u00f3w kredytowych bezpo\u015brednio u wybranych kredytodawc\u00f3w. Po wybraniu najlepszej oferty zostaniesz przekierowany do formularza wniosku, gdzie doko\u0144czysz proces aplikacji, a nast\u0119pnie skontaktuje si\u0119 z Tob\u0105 doradca.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Co to jest RRSO i dlaczego jest wa\u017cne?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>RRSO, czyli Rzeczywista Roczna Stopa Oprocentowania, to wska\u017anik, kt\u00f3ry pokazuje ca\u0142kowity koszt kredytu w uj\u0119ciu rocznym, uwzgl\u0119dniaj\u0105c oprocentowanie, prowizje, ubezpieczenia i inne op\u0142aty. Jest to najwa\u017cniejszy wska\u017anik pozwalaj\u0105cy por\u00f3wna\u0107 r\u00f3\u017cne oferty, poniewa\u017c pokazuje rzeczywisty koszt zobowi\u0105zania.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Z jakimi bankami i firmami po\u017cyczkowymi wsp\u00f3\u0142pracuje PiggyBox w ramach us\u0142ugi po\u015brednictwa kredytowego?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>PiggyBox \u015bwiadczy us\u0142ugi po\u015brednictwa kredytowego we wsp\u00f3\u0142pracy z wieloma renomowanymi instytucjami finansowymi. Wsp\u00f3\u0142pracujemy z nast\u0119puj\u0105cymi bankami: Citi Handlowy, Alior Bank, BNP Paribas Bank Polska, Santander Consumer Bank, Bank Pekao, Bank Millennium, VeloBank, Raiffeisen Digital Bank, Santander Bank Polska, Cr\u00e9dit Agricole, PKO Bank Polski oraz Kasa Stefczyka.<\/p><p>Dodatkowo oferujemy produkty finansowe pozabankowych instytucji po\u017cyczkowych, takich jak: Smartney.pl, Provident, SuperGrosz i Viviraty.<\/p><p>Dzi\u0119ki szerokiej sieci partner\u00f3w mo\u017cemy zapewni\u0107 naszym klientom kompleksowe por\u00f3wnanie ofert kredytowych dost\u0119pnych na rynku i pom\u00f3c w wyborze najkorzystniejszej opcji dopasowanej do indywidualnych potrzeb.<\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-202df662 e-flex e-con-boxed e-con e-child\" data-id=\"202df662\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-32acd113 e-flex e-con-boxed e-con e-child\" data-id=\"32acd113\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:30,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;laptop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1570fde6 elementor-widget elementor-widget-jkit_heading\" data-id=\"1570fde6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile-center jeg_module___6aae6f263c2e4\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Podstawowe <span class=\"style-color\"><span> informacje<\/span><\/span><\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4911f14d elementor-widget elementor-widget-heading\" data-id=\"4911f14d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wszystko o por\u00f3wnywarce kredytowej<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cfa4f7d elementor-widget elementor-widget-text-editor\" data-id=\"5cfa4f7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dowiedz\u00a0si\u0119 jak dzia\u0142a nasza por\u00f3wnywarka i\u00a0jak mo\u017ce pom\u00f3c\u00a0Ci w wyborze najlepszej\u00a0oferty<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-110ae618 e-flex e-con-boxed e-con e-parent\" data-id=\"110ae618\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-56f343a9 e-flex e-con-boxed e-con e-child\" data-id=\"56f343a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-52a3e720 e-con-full e-flex e-con e-child\" data-id=\"52a3e720\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18555e2d elementor-widget elementor-widget-heading\" data-id=\"18555e2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Nie znalaz\u0142e\u015b odpowiedzi?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a34e157 elementor-widget elementor-widget-text-editor\" data-id=\"3a34e157\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Nasz zesp\u00f3\u0142 ekspert\u00f3w jest gotowy odpowiedzie\u0107 na wszystkie Twoje pytania.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b28f8f3 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"6b28f8f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/piggybox.pl\/kontakt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Skontaktuj si\u0119 z nami<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-532573b4 e-flex e-con-boxed e-con e-parent\" data-id=\"532573b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-74746b3c e-flex e-con-boxed e-con e-child\" data-id=\"74746b3c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5adf4c0b e-flex e-con-boxed e-con e-child\" data-id=\"5adf4c0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f1701c3 elementor-widget elementor-widget-jkit_heading\" data-id=\"7f1701c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-center align-tablet- align-mobile-center jeg_module__1_6aae6f263d021\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><span class=\"style-color\"><span>Szczeg\u00f3\u0142owe <\/span><\/span> informacje<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64536fd7 elementor-widget elementor-widget-heading\" data-id=\"64536fd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wi\u0119cej o kredytach<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f12d0ad elementor-widget elementor-widget-text-editor\" data-id=\"4f12d0ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Poznaj szczeg\u00f3\u0142y dotycz\u0105ce procesu kredytowego\u00a0i wymaga\u0144 bank\u00f3w<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-195f80f3 e-flex e-con-boxed e-con e-child\" data-id=\"195f80f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6a372322 e-flex e-con-boxed e-con e-child\" data-id=\"6a372322\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b78e7e4 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"b78e7e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6aad13b4f2ab5\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-b78e7e4\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-4400cfd6aad13b4f2ab5\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4400cfd6aad13b4f2ab5\" aria-expanded=\"true\" aria-controls=\"Collapse-4400cfd6aad13b4f2ab5\">\n                            \n                            <span class=\"ekit-accordion-title\">Czy mog\u0119 z\u0142o\u017cy\u0107 wniosek o kredyt, je\u015bli mam z\u0142\u0105 histori\u0119 kredytow\u0105?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4400cfd6aad13b4f2ab5\" class=\" show collapse\" role=\"region\" aria-labelledby=\"primaryHeading-0-b78e7e4\" data-parent=\"#accordion-6aad13b4f2ab5\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Mo\u017cliwe, na naszej stronie internetowej widniej\u0105 r\u00f3wnie\u017c oferty kredyt\u00f3w pozabankowych, gdzie firmy nie sprawdzaj\u0105 klient\u00f3w w bazach danych BIK i KRD.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-b78e7e4\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-ce5840a6aad13b4f2ab5\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ce5840a6aad13b4f2ab5\" aria-expanded=\"false\" aria-controls=\"Collapse-ce5840a6aad13b4f2ab5\">\n                            \n                            <span class=\"ekit-accordion-title\">Jak szybko otrzymam decyzj\u0119 kredytow\u0105?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ce5840a6aad13b4f2ab5\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-1-b78e7e4\" data-parent=\"#accordion-6aad13b4f2ab5\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Czas otrzymania decyzji kredytowej zale\u017cy od banku lub instytucji finansowej. W niekt\u00f3rych przypadkach decyzja mo\u017ce by\u0107 wydana w ci\u0105gu kilku minut, ale czasami proces mo\u017ce trwa\u0107 kilka dni, zw\u0142aszcza w przypadku wi\u0119kszych kredyt\u00f3w, takich jak hipoteczne.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-b78e7e4\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-9c734026aad13b4f2ab5\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9c734026aad13b4f2ab5\" aria-expanded=\"false\" aria-controls=\"Collapse-9c734026aad13b4f2ab5\">\n                            \n                            <span class=\"ekit-accordion-title\">Jakie s\u0105 dodatkowe koszty zwi\u0105zane z kredytem?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9c734026aad13b4f2ab5\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-2-b78e7e4\" data-parent=\"#accordion-6aad13b4f2ab5\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Dodatkowe koszty mog\u0105 obejmowa\u0107 prowizj\u0119 za udzielenie kredytu, ubezpieczenie, op\u0142aty administracyjne oraz odsetki. Wszystkie te koszty s\u0105 uwzgl\u0119dnione w RRSO, co pozwala lepiej oceni\u0107 ca\u0142kowity koszt zobowi\u0105zania.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-b78e7e4\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-32db1876aad13b4f2ab5\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-32db1876aad13b4f2ab5\" aria-expanded=\"false\" aria-controls=\"Collapse-32db1876aad13b4f2ab5\">\n                            \n                            <span class=\"ekit-accordion-title\">Czy mog\u0119 sp\u0142aci\u0107 kredyt wcze\u015bniej?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-32db1876aad13b4f2ab5\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-3-b78e7e4\" data-parent=\"#accordion-6aad13b4f2ab5\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Wi\u0119kszo\u015b\u0107 kredyt\u00f3w mo\u017cna sp\u0142aci\u0107 wcze\u015bniej, ale warto upewni\u0107 si\u0119, czy nie wi\u0105\u017c\u0105 si\u0119 z tym dodatkowe op\u0142aty. Nasza por\u00f3wnywarka zawiera informacje o mo\u017cliwo\u015bci wcze\u015bniejszej sp\u0142aty i ewentualnych kosztach z ni\u0105 zwi\u0105zanych.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-b78e7e4\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-7b5800a6aad13b4f2ab5\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7b5800a6aad13b4f2ab5\" aria-expanded=\"false\" aria-controls=\"Collapse-7b5800a6aad13b4f2ab5\">\n                            \n                            <span class=\"ekit-accordion-title\">Czy mog\u0119 wzi\u0105\u0107 kredyt, je\u015bli nie mam sta\u0142ego dochodu?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7b5800a6aad13b4f2ab5\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-4-b78e7e4\" data-parent=\"#accordion-6aad13b4f2ab5\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Niekt\u00f3re instytucje pozabankowe mog\u0105 udzieli\u0107 kredytu osobom bez sta\u0142ego dochodu, na przyk\u0142ad na podstawie dochod\u00f3w nieregularnych lub innych \u017ar\u00f3de\u0142 finansowania. Jednak mo\u017ce to wp\u0142yn\u0105\u0107 na ocen\u0119 zdolno\u015bci kredytowej i oferowane warunki.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38c629be e-flex e-con-boxed e-con e-child\" data-id=\"38c629be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70e10dd8 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"70e10dd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6aad13b4f2f37\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-70e10dd8\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-4400cfd6aad13b4f2f37\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4400cfd6aad13b4f2f37\" aria-expanded=\"true\" aria-controls=\"Collapse-4400cfd6aad13b4f2f37\">\n                            \n                            <span class=\"ekit-accordion-title\">Co zrobi\u0107, je\u015bli mam problem z otrzymaniem kredytu?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4400cfd6aad13b4f2f37\" class=\" show collapse\" role=\"region\" aria-labelledby=\"primaryHeading-0-70e10dd8\" data-parent=\"#accordion-6aad13b4f2f37\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Je\u015bli masz problemy z uzyskaniem kredytu, warto sprawdzi\u0107 swoj\u0105 histori\u0119 kredytow\u0105 i upewni\u0107 si\u0119, \u017ce nie ma w niej b\u0142\u0119d\u00f3w. Mo\u017cesz tak\u017ce rozwa\u017cy\u0107 zmniejszenie kwoty kredytu, wyd\u0142u\u017cenie okresu sp\u0142aty lub znalezienie wsp\u00f3\u0142kredytobiorcy.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-70e10dd8\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-ce5840a6aad13b4f2f37\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ce5840a6aad13b4f2f37\" aria-expanded=\"false\" aria-controls=\"Collapse-ce5840a6aad13b4f2f37\">\n                            \n                            <span class=\"ekit-accordion-title\">Jakie s\u0105 minimalne wymagania, aby otrzyma\u0107 kredyt?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ce5840a6aad13b4f2f37\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-1-70e10dd8\" data-parent=\"#accordion-6aad13b4f2f37\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Wymagania mog\u0105 si\u0119 r\u00f3\u017cni\u0107 w zale\u017cno\u015bci od banku lub instytucji, ale zazwyczaj obejmuj\u0105 minimalny wiek (zwykle 18-21 lat), sta\u0142e \u017ar\u00f3d\u0142o dochodu, dobr\u0105 histori\u0119 kredytow\u0105 i brak negatywnych wpis\u00f3w w BIK.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-70e10dd8\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-9c734026aad13b4f2f37\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9c734026aad13b4f2f37\" aria-expanded=\"false\" aria-controls=\"Collapse-9c734026aad13b4f2f37\">\n                            \n                            <span class=\"ekit-accordion-title\">Czy por\u00f3wnywarka zawiera wszystkie dost\u0119pne oferty na rynku?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9c734026aad13b4f2f37\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-2-70e10dd8\" data-parent=\"#accordion-6aad13b4f2f37\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Nasza por\u00f3wnywarka stara si\u0119 zawiera\u0107 jak najwi\u0119cej ofert dost\u0119pnych na rynku, jednak niekt\u00f3re instytucje mog\u0105 nie by\u0107 obecne w naszej bazie. Regularnie aktualizujemy nasz\u0105 ofert\u0119, aby zapewni\u0107 jak najbardziej wszechstronne por\u00f3wnanie.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-70e10dd8\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-32db1876aad13b4f2f37\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-32db1876aad13b4f2f37\" aria-expanded=\"false\" aria-controls=\"Collapse-32db1876aad13b4f2f37\">\n                            \n                            <span class=\"ekit-accordion-title\">Czy mog\u0119 skorzysta\u0107 z por\u00f3wnywarki, je\u015bli jestem samozatrudniony lub mam w\u0142asn\u0105 firm\u0119?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-32db1876aad13b4f2f37\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-3-70e10dd8\" data-parent=\"#accordion-6aad13b4f2f37\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Tak, nasza por\u00f3wnywarka jest dost\u0119pna dla os\u00f3b samozatrudnionych i w\u0142a\u015bcicieli firm. Warto jednak pami\u0119ta\u0107, \u017ce niekt\u00f3re banki mog\u0105 mie\u0107 inne kryteria oceny zdolno\u015bci kredytowej dla przedsi\u0119biorc\u00f3w.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-70e10dd8\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-189157a6aad13b4f2f37\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-189157a6aad13b4f2f37\" aria-expanded=\"false\" aria-controls=\"Collapse-189157a6aad13b4f2f37\">\n                            \n                            <span class=\"ekit-accordion-title\">W jaki spos\u00f3b bank si\u0119 ze mn\u0105 skontaktuje?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-189157a6aad13b4f2f37\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-4-70e10dd8\" data-parent=\"#accordion-6aad13b4f2f37\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Bank b\u0119dzie kontaktowa\u0142 si\u0119 na dane pozostawione w formularzu tj. numer telefonu. Bank mo\u017ce poprosi\u0107 o dodatkowe informacje w celu wykonania symulacji kredytowej, takie jak numer PESEL, w celu sprawdzenia rzeczywistej zdolno\u015bci kredytowej.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pytania i odpowiedzi Jak dzia\u0142a por\u00f3wnywarka kredytowa? Por\u00f3wnywarka kredytowa zbiera oferty od r\u00f3\u017cnych bank\u00f3w i instytucji finansowych, a nast\u0119pnie przedstawia je w spos\u00f3b przejrzysty i zrozumia\u0142y, aby u\u0142atwi\u0107 wyb\u00f3r najbardziej korzystnego kredytu. U\u017cytkownik wprowadza podstawowe dane, takie jak kwota kredytu, okres sp\u0142aty, a narz\u0119dzie wy\u015bwietla dost\u0119pne oferty. Czy korzystanie z por\u00f3wnywarki kredytowej jest bezp\u0142atne? Tak, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"class_list":["post-77","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAQ Kredyty Online: Odpowiedzi na Pytania<\/title>\n<meta name=\"description\" content=\"Masz pytania o kredyty online? Znajd\u017a odpowiedzi w naszym FAQ! Poznaj zasady por\u00f3wnywania ofert i wybierz najlepszy kredyt. 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