bezodsetkowy

Bezodsetkowy is an adjective in Polish describing terms or financial products in which no interest is charged. The word derives from bez- (without) and odsetkowy (relating to odsetki, i.e., interest). In common usage it labels offers or contracts that feature 0% interest, most often seen in consumer finance.

In the banking and lending market bezodsetkowy appears mainly in marketing of promotional offers such as pożyczka bezodsetkowa (zero‑interest loan) or kredyt bezodsetkowy, and 0% oprocentowanie on purchases with a credit card. These offers are usually valid for a limited time or conditional on meeting certain criteria, such as timely repayment or maintaining creditworthiness. If the promotion ends or conditions are not met, standard interest rates and possibly fees apply. Some products may provide 0% interest only on the borrowed amount during the promotional period, with interest accruing afterwards on any remaining balance.

It is important to note that bezodsetkowy does not guarantee total cost neutrality. There may be hidden costs such as arrangement fees, service charges, or annual fees, and there can be restrictions like minimum repayment amounts, loan limits, or mandatory credit checks. The term is widely used in Polish consumer finance and is regulated by applicable banking and consumer credit laws and regulations.

Zobacz także: oprocentowanie, pożyczka, kredyt, odsetki, promocja kredytowa.