Ta kwota jest za wysoka jak na moje oszczędności, więc nie chcę teraz brać pożyczki.

Because kwota is a feminine noun in Polish.

Polish adjectives and words like this have to agree with the noun in gender, number, and case:

• ta kwota = this amount
• wysoka = high in the feminine singular form

So the sentence uses feminine forms because kwota is feminine.

Kwota means amount or sum of money.

In this sentence, ta kwota means something like this amount of money or this sum. It is a very common word in financial contexts.

In Polish, za + adjective often means too:

• za wysoka = too high
• za drogi = too expensive
• za mały = too small

So Ta kwota jest za wysoka means This amount is too high.

This za is not the same as the everyday spatial meaning behind.

Jak na is an idiomatic expression that means for, considering, or given in this kind of sentence.

So:

• jak na moje oszczędności = for my savings
• more naturally in English: considering my savings / given how much I have saved

You should learn jak na here as a set phrase, because a word-for-word translation will not help much.

In Polish, oszczędności is commonly used in the plural to mean savings.

That is similar to English, where savings is also usually plural.

Compare:

• oszczędność = a saving, thrift, economy
• oszczędności = savings, saved money

So moje oszczędności means my savings.

Because jak na normally takes the accusative case.

Here, oszczędności is plural, and for this kind of noun the accusative form looks the same as the nominative:

• nominative: moje oszczędności
• accusative: moje oszczędności

So even though there is a case change in the grammar, the form does not visibly change.

Because więc means so, therefore, or thus, and it introduces a result clause.

Polish normally uses a comma before więc when it connects two clauses:

• Ta kwota jest za wysoka..., więc nie chcę...

So the comma is standard punctuation here.

After chcę (I want), Polish uses the infinitive of the second verb.

So:

• chcę brać = I want to take
• nie chcę brać = I do not want to take

You cannot use a fully conjugated verb like biorę after chcę in this structure.

This is about aspect.

• brać = imperfective
• wziąć = perfective

Very roughly:

• brać focuses more on the action/process or general idea
• wziąć focuses more on a single completed act

In this sentence, nie chcę teraz brać pożyczki sounds like I don’t want to be taking out a loan now / I don’t want to take a loan now in a general practical sense.

If you said nie chcę teraz wziąć pożyczki, it would sound more like I don’t want to take out a loan right now as one specific completed action. Both are possible in some contexts, but brać fits the broader, less point-like meaning well.

Because after negation, a direct object in Polish often changes from the accusative to the genitive.

Without negation, you would expect:

• brać pożyczkę = to take a loan

With negation, standard Polish often uses:

• nie chcę brać pożyczki = I don’t want to take a loan

So:

• pożyczkę = accusative singular
• pożyczki = genitive singular

This is a very common feature of Polish grammar and often surprises English speakers.

Teraz means now.

It makes the statement more limited in time:

• nie chcę teraz brać pożyczki = I don’t want to take a loan now
• this can imply maybe not now, perhaps later

Without teraz, the statement would sound more general:

• nie chcę brać pożyczki = I don’t want to take a loan

Not exactly.

• pożyczka = loan in a broad sense, often money borrowed from a person or an institution
• kredyt = often credit or a more formal bank loan

In everyday English, both may be translated as loan depending on context, but in Polish they are not always interchangeable. In this sentence, pożyczka is a natural general word for borrowed money.