There are many tools available on the market that allow you to find online loans. Some are more popular, others less. At FXMAG we managed to talk to the CEO of FINDAO, which created a tool called Youmoney. It is a loan search engine that – as the company’s representatives assure – allows you to submit an application in just a few minutes and even receive a loan.
“We mainly wanted to make it simple for clients to find a financing option for themselves. We knew that there are many customers in the market who are slightly indebted and have trouble obtaining a loan from the most well-known loan companies. We wanted to submit an application that would allow the applicant to be sent to all loan companies available on the market and receive real offers where they can get the loan” – said Tomasz Marczewski, CEO of FINDAO.
As the founder of FINDAO and creator of Youmoney says, it is a fast and, above all, safe way to borrow money.
“It shortens the time the client has to spend searching for an offer. It gives them safety, because the offers we present come from entities registered in the loan companies register, are under the KNF (Financial Supervision Commission). Everything is checked and verified, giving the assurance that loans are taken from normal companies. This also applies to loan costs. Since 2022 such companies are under KNF control, and the costs of these loans are regulated” – emphasizes Tomasz Marczewski.
Thanks to regulation introduced by the legislator, loan companies must operate under specific rules, and the borrower must be sure that no additional costs will be imposed after signing the contract.
“There is still an approach in the market that these loans are usury. In reality, that is not the case. All these “quick loans” are regulated. Their costs are regulated by law, so you cannot say it is usury. At this moment it is a legal business. The costs are higher than bank loans, but that is because banks use their customers’ capital, which they use for loans, and loan companies use their own capital or that borrowed from investors, which translates into higher cost and also higher risk, because these funds are in a slightly worse position in terms of scoring – noted Tomasz Marczewski, CEO of FINDAO.
Read also: Loans in 2026 may be cheaper. Poles are more willing to take them
Effectiveness is close to 85%
Youmoney, as Tomasz Marczewski assures, is not only a simple and safe way to take a loan, but also effective. According to the company’s data, almost 85% of applications submitted through Youmoney receive a positive assessment, leading to obtaining a loan.
“The client actually goes through the entire loan process with us. They are redirected to the loan company’s site only to sign the offer. Sometimes the money reaches the client within 15-30 minutes” – says Tomasz Marczewski.
Importantly, Youmoney itself conducts client verification for creditworthiness. Thanks to this, as Tomasz Marczewski explains, the entire process is smoother, and the client can receive a loan faster.
“The most popular scoring is in BIK (Credit Information Bureau), which collects credit information about the client. We created a model that learns from client data for our needs. This allows it to perform scoring and match offers to the client’s needs. This allows you to submit applications to companies where there is a real chance of obtaining a loan” – explains Tomasz Marczewski.
Youmoney wants to conquer global markets
Youmoney is currently available in Poland, Spain, and Romania. Soon it will be available not only in other countries but also on other continents. Within 3 years the search engine will be available in 9 more countries, including Asian states.
“We see strong potential in developing these foreign markets, because there are many people worldwide. In Poland we have about 38 million residents, and in Vietnam, the Philippines, and Mexico there are hundreds of millions, so we can create an international tool for everyone” – announces Tomasz Marczewski, CEO of FINDAO.
And that’s not the end. FINDAO also plans to launch another tool that will allow the company’s clients to use not only a loan granted by a loan company, but also a bank loan.
“We want to get more into bank loans, because we also see huge potential in this. In the near future we will launch a comparison tool for such loans, which will allow the client to find the right offer in various sources in one place” – said Tomasz Marczewski, CEO of FINDAO.
See also: Borrowers under greater protection. See what changes in finance will come in 2026
