Is Cashspace.pl a direct lender?

No. Cashspace is presented as a comparison and matching service. The partner named in the final agreement makes the credit decision, supplies the funds and receives repayment.

How much can Cashspace.pl match?

The supplier brief says PLN 100–5,000. The current official calculator displayed PLN 100–10,000, so the final amount must be taken from the matched creditor’s personal proposal.

What interest and RRSO should I expect?

The brief gives 0–1,925.41% interest and 0–36% RRSO as partner ranges. The official example shows PLN 2,000 over three months, PLN 18 commission, 3.65% annual interest and PLN 2,018 total repayment. These are not one universal tariff.

Is the Cashspace service free?

Cashspace states that it does not charge a separate service fee. A matched creditor can still charge interest, commission or optional services, so read the total repayment and RRSO in the agreement.

What documents may be requested?

The official route refers to an identity document and PESEL, and the application may ask for a Polish bank account, phone, email, income and financial information. The selected creditor can request additional verification.

What if I cannot repay on time?

Contact the creditor named in the agreement before the due date, ask for written options and check the cost of any extension. Late consequences are controlled by that creditor’s contract, not by the comparison page.

Cashspace.pl offer review · Poland

Organization / product name	Cashspace.pl — Polish online loan-comparison and lead-matching service
Provider type	Free comparison and credit-intermediary service; Cashspace does not lend in its own name
Actual lender(s)	Partner banks, credit institutions and other providers; the matched creditor must be named in the final agreement
Available GEO	Poland; the supplier brief is for Polish applicants
Currency	Polish złoty (PLN)
Minimum loan amount	PLN 100 in the supplier brief and the current official calculator
Maximum loan amount	PLN 5,000 in the supplier brief; the live calculator displayed up to PLN 10,000
Minimum loan term	15 days in the supplier brief; the current official selector displayed 10 days
Maximum loan term	60 days in the supplier brief; the current selector displayed 91 days and the footer describes a broader 3–12-month marketplace
Base interest rate per day	Not publicly disclosed as one Cashspace rate; partner terms apply
Base interest rate per week	Not publicly disclosed as one Cashspace rate
Base interest rate per month	Not publicly disclosed as one Cashspace rate; do not convert an annual figure into an official monthly rate
APR / RRSO and total cost	Supplier brief: interest 0–1,925.41% and RRSO 0–36%; official example: PLN 2,000 over 3 months, PLN 18 commission, 3.65% annual interest and PLN 2,018 total repayment
Promotional or reduced interest rate	Some partner routes advertise 0% or reduced cost; no single Cashspace-wide promotion applies to every applicant
Conditions of promotional rate	Confirm new-customer status, amount, term and punctual-repayment conditions in the selected creditor offer
Grace period	Not publicly disclosed as a Cashspace-wide benefit
Minimum borrower age	18 years in the supplier brief and official eligibility wording
Maximum borrower age	80 years in the supplier brief; the public route otherwise states that applicants must be adults
Citizenship requirement	The official route targets people living in Poland; the selected creditor confirms its citizenship rule
Residency requirement	Poland; final eligibility is decided by the matched creditor
Required bank account	A personal Polish bank account may be required for verification and PLN disbursement
Required bank card	Not publicly disclosed as a universal Cashspace requirement
Income requirement	Supplier brief lists minimum annual income of PLN 0; the official application may request income and expenses
Employment requirement	Not publicly disclosed as one universal Cashspace condition
Credit-history requirements	Partner checks vary; the homepage says some partners may not require credit-history information, but no blanket exemption applies
Disbursement method	Transfer to the verified bank account used by the selected creditor
Repayment method	According to the named creditor’s bank-transfer or customer-account instructions
Application review time	The form is described as taking a few minutes; the selected creditor controls verification and decision time
Advertised funding time	Same-day or about 10–15-minute timing is advertised on route pages; approval and bank processing remain conditional
Early repayment	Not publicly disclosed as one comparison-wide rule; the creditor agreement and consumer-credit law apply
Extension or rollover	Not publicly disclosed as a universal Cashspace option; ask the named creditor before the due date
Late-payment charges	Not publicly disclosed as one platform-wide tariff; default interest and collection consequences are creditor-specific
Loan purpose	Personal borrowing for a stated consumer purpose; the selected creditor may apply restrictions
Legal entity	Fininity OÜ owns and operates the Cashspace website; Fininity Poland Sp. z o.o. conducts Polish credit intermediation
Registration number	Fininity OÜ: 14523902; Fininity Poland NIP: 527-31-86-584
Registered address	Fininity OÜ: 3 Paadi tee, Haabneeme, Estonia; Fininity Poland: Aleja Jana Pawła II 27, 00-867 Warsaw
Licence	Fininity Poland credit-intermediary reference RPK048626; Cashspace is not presented as a lending institution
Regulator	Polish Financial Supervision Authority (KNF) consumer-credit intermediary register; the creditor’s own entry must be checked separately
Licence status	RPK048626 is published by Cashspace; current partner authorisations and the final creditor must be confirmed before signing
Support channels	Cashspace official contact route and [email protected]; the selected creditor’s support channel appears in its agreement
Date checked	September 9, 2026
Public-source variance	Supplier brief: PLN 100–5,000, 15–60 days, 0–1,925.41% interest, RRSO 0–36% and age 18–80. Official routes show PLN 100–10,000, a 10–91-day selector and footer periods of 3–12 months. These are different disclosures, not one guaranteed tariff

Editorial status · Approx. 8 min read · Offer checked September 9, 2026

Cashspace.pl review summary

Cashspace.pl is a Polish comparison and lead-matching service, not the company that signs every loan agreement. It collects one online request, presents possible partner offers and passes the applicant towards a provider that can decide whether to lend. That distinction is the central fact of this review: a Cashspace screen can simplify the search, but it cannot guarantee approval, a particular amount, a particular rate or same-day funding. The named creditor in the final proposal controls those points.

The supplier brief describes PLN 100–5,000, a 15–60-day term and applicants aged 18–80. The current official interface reviewed on September 9, 2026 showed a PLN 100–10,000 slider, while another official page allowed a 10–91-day selector and the footer described a broader three-to-twelve-month marketplace. These are different route disclosures, not one universal Cashspace tariff. Save the personal proposal, identify the creditor and compare the net amount, RRSO, fees and total repayment before accepting.

Who stands behind Cashspace.pl?

Cashspace is a trademark of Fininity OÜ, registered in Estonia under number 14523902. The privacy notice names Fininity OÜ as the personal-data controller and gives its address as 3 Paadi tee, Haabneeme, Estonia. For the Polish activity, Cashspace publishes Fininity Poland Sp. z o.o., Aleja Jana Pawła II 27 in Warsaw, NIP 527-31-86-584, as a licensed credit intermediary with reference RPK048626. The Polish intermediary connects applicants with financial institutions; it is not presented as a bank or lender.

The practical chain has four separate steps: an enquiry is collected, identity and affordability information may be checked, a partner makes the credit decision, and that partner sends funds and services repayment. The partner list includes banks, credit institutions and other intermediaries, so the legal counterparty can differ from one applicant to another. Before signing, check the company named in the agreement, its address, complaint route, repayment account and privacy notice. A matching result, SMS or pre-filled form is not a loan contract.

Amounts, cost and total repayment at Cashspace.pl

Cashspace does not publish one rate that applies to every matched applicant. The supplier brief gives a possible interest range of 0–1,925.41% and RRSO of 0–36%, but those figures describe partner routes rather than a single product. The official homepage shows a worked example: PLN 2,000 for three months, PLN 18 commission, 3.65% annual interest and PLN 2,018 total repayment. The same page says Cashspace does not charge a separate service fee. The lender’s own commission, interest, optional services and repayment schedule still decide the real cost.

The correct comparison is the amount credited against the total amount due in złoty. Check whether a 0% or first-loan promotion applies only to a new customer, a limited amount, a particular term and payment on time. Do not turn an annual figure into a daily rate by simple division. Ask for the contractual RRSO, all commissions, late-payment consequences and the exact debit dates. If the calculator, offer screen and agreement show different amounts, pause and ask the named creditor to explain the difference before accepting.

Read Cashspace.pl as a repayment plan, not a headline

Use the personal agreement to verify the creditor, principal, RRSO, total repayment, fees, optional services and due dates. The service itself is described as free; that does not make a partner loan cost-free.

Application flow and eligibility for Cashspace.pl

The official route describes a short online request: choose an amount, answer questions, review a personalised list and continue to a selected provider. Cashspace says an application can be completed in minutes and that its algorithm compares a network of lenders. Official eligibility copy refers to an adult living in Poland, a Polish bank account, phone and email details, an identity document and PESEL; the supplier brief additionally gives an age range of 18–80. A partner may ask for income, expenses, account ownership or database checks.

Treat the form as a financial decision, not a race to the fastest banner. Write down the amount you need, the date your regular income arrives and the maximum instalment you can pay without cutting essentials. Keep a copy of permissions and the pre-contract information. A creditor may return a lower amount, a different term or a higher cost after verification. Recalculate the full repayment instead of assuming that the first displayed match is final.

Cashspace.pl: set an amount and term that fit a written Polish household budget.
Cashspace.pl: read the privacy notice and identify the provider before sending the request.
Cashspace.pl: provide only the identity, contact, income and bank details required for the selected route.
Cashspace.pl: record RRSO, total repayment, every fee, debit dates and the complaints contact.
Cashspace.pl: accept only when the agreement matches the final offer and the first payment is affordable.

Data sharing and credit checks at Cashspace.pl

Cashspace’s privacy policy says Fininity OÜ administers personal data for the site and for preparing and submitting loan enquiries to partner institutions. Read the notice together with the selected creditor’s own privacy information: the recipients, retention period and legal basis can differ after the request is transferred. Separate necessary application consent from optional marketing where the form allows it. Keep a screenshot or downloaded copy of the wording if the form asks you to share data with several partners.

A partner assessment may include identity validation, PESEL, bank-account ownership, income and expense information, credit-database searches or other automated checks. The homepage says some partners may not require credit-history information, but that is not a promise that every route skips checks. Never share one-time banking codes with an unverified caller. Use the official domain and the support address in the privacy notice or contract when correcting data or asking which partner received the application.

Funding, repayment and late-payment risk at Cashspace.pl

The website presents online processing and says funds may arrive quickly after a positive decision. The actual transfer depends on the partner’s approval, identity checks, account verification, signing time and the receiving bank. A “same day” message is therefore a conditional estimate, not a right to funds. Compare the amount credited with the agreement’s principal and fees as soon as the money arrives. Keep the agreement, payout confirmation and repayment instructions together.

The supplier brief lists a first-loan fee as applicable, accepts payment remarks and shows zero installation and administrative fees. Those statements must still be tested against the matched creditor’s contract. Put the due date in a calendar and keep a buffer in the repayment account. If payment may be late, contact the named creditor before the date and request written options. Default interest, collection activity, database reporting, extension fees or court costs are creditor-specific; never hide one expensive balance with another high-cost loan.

Cashspace.pl availability, complaints and borrower rights

Cashspace is presented for Polish applicants, but a visible site does not prove that every partner accepts every person. The selected creditor can apply its own age, residence, citizenship, account, income and credit-history rules. The supplier brief lists Polish availability, age 18–80 and a minimum annual income of PLN 0; the official route still asks about income and financial circumstances. Record the check date because the partner panel, amount limits and promotional conditions can change.

Regulatory transparency means checking the legal name, address, intermediary reference, complaint channel and the creditor’s own register entry. Cashspace publishes RPK048626 for Fininity Poland and points to a broad partner network. That reference should not be treated as a guarantee of approval or as a substitute for checking the lender named in the agreement. A register entry confirms the intermediary information recorded at the relevant time; it does not validate a particular offer, promise a decision or make the intermediary responsible for a partner’s contract. If a key price, term, recipient or late-payment rule is missing, mark it as unresolved rather than borrowing a figure from another partner.

Alternatives and consumer checklist

Cashspace may be useful when a borrower wants one application to surface several Polish providers, understands that a partner makes the decision and can afford the full contractual repayment. It is not a good fit for someone who needs guaranteed approval, has no reliable repayment income or is choosing solely on the largest number in a slider. The strongest comparison is the smallest sustainable amount, the clearest legal counterparty and a total cost that fits the household budget.

Before accepting, compare the live proposal with a bank facility, a fixed-schedule instalment loan or non-credit support. Test the total in złoty, including an ordinary month and a late-income month. If verification changes the amount, term or fee, restart the comparison. This review does not endorse a lender or replace legal and financial advice; it explains what to verify before personal data and a repayment obligation move beyond the comparison service.

Cashspace.pl: separate the brand, intermediary and creditor names.
Cashspace.pl: compare cash received, RRSO, total repayment and every optional charge.
Cashspace.pl: check whether a 0% or first-loan claim has amount, term and punctual-payment limits.
Cashspace.pl: review data recipients, credit checks and the complaint route.
Cashspace.pl: contact the creditor early if repayment could be missed.

Frequently asked questions

Question 1Is Cashspace.pl a direct lender?: Answer
No. Cashspace is presented as a comparison and matching service. The partner named in the final agreement makes the credit decision, supplies the funds and receives repayment.
Question 2How much can Cashspace.pl match?: Answer
The supplier brief says PLN 100–5,000. The current official calculator displayed PLN 100–10,000, so the final amount must be taken from the matched creditor’s personal proposal.
Question 3What interest and RRSO should I expect?: Answer
The brief gives 0–1,925.41% interest and 0–36% RRSO as partner ranges. The official example shows PLN 2,000 over three months, PLN 18 commission, 3.65% annual interest and PLN 2,018 total repayment. These are not one universal tariff.
Question 4Is the Cashspace service free?: Answer
Cashspace states that it does not charge a separate service fee. A matched creditor can still charge interest, commission or optional services, so read the total repayment and RRSO in the agreement.
Question 5What documents may be requested?: Answer
The official route refers to an identity document and PESEL, and the application may ask for a Polish bank account, phone, email, income and financial information. The selected creditor can request additional verification.
Question 6What if I cannot repay on time?: Answer
Contact the creditor named in the agreement before the due date, ask for written options and check the cost of any extension. Late consequences are controlled by that creditor’s contract, not by the comparison page.

Official sources used

Official Cashspace homepage and calculatorOfficial provider page · opens in a new tab ↗Official online-loan information and eligibilityOfficial provider page · opens in a new tab ↗Official partner list and intermediary disclosureOfficial provider page · opens in a new tab ↗

Source record checked September 9, 2026. Prices, eligibility and approval remain dependent on the live creditor agreement.

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