From this discussion, it’s clear that using Allegro Pay isn’t inherently bad, but it can be disadvantageous in certain situations — especially if you plan to apply for a mortgage or larger bank loan soon.
Here are the key takeaways:
🟢 When using Allegro Pay is fine
- If you repay everything on time (e.g., within 30 days) and don’t have many active purchases at once.
- If you use it occasionally, for example to avoid freezing your cash or to grab a promotion (like a 30 PLN coupon).
- If you’re not planning any major loans soon, small transactions usually don’t make much difference.
🔴 When you should AVOID Allegro Pay
- If you plan to take out a mortgage or consumer loan within the next few months – banks see these purchases in your credit report (BIK) as short-term loans (BNPL), sometimes even classified as payday loans.
- Each purchase can appear as a separate entry in your BIK, so frequent usage might look like a large number of small loans, which can lower your credit score and borrowing capacity.
- Some banks (e.g., BNP Paribas, Pekao, Millennium – according to users’ reports) have automated systems that reduce creditworthiness if multiple BNPL loans are active.
⚖️ Summary
- For a one-time promotion (e.g., 30 PLN coupon) – it’s okay to use, but repay immediately after the purchase.
- Avoid regular use if you’re planning a mortgage or major loan within the next 12–24 months.
- Allegro Pay is visible in BIK, so even small transactions leave a footprint in your credit history.
👉 Conclusion:
If you want to maintain a spotless credit profile — avoid Allegro Pay.
If you’re not planning any big loans — occasional use is perfectly fine, as long as you repay on time