Updated September 29, 2026 · BorrowCue Editorial Team
5in5 vs Smartney
Where 5in5 and Smartney differ
| Compare |  5in5 |  Smartney |
|---|---|---|
| Loan amount | €5,000 | PLN 1,000 to PLN 150,000 |
| Term | 0.5 to 24 months | 4 to 120 monthsHigher |
| Arrangement fee | One-off fee deducted from payout | Prowizja (commission) for granting and servicing the loan, charged with interest; e.g. 7,888.64 PLN on the 34,676.56 PLN cash loan example, 0 PLN in the current 0 PLN commission promotion |
| Funding time | Same day up to 1 business day | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes |
| Eligibility | Sole proprietorship or single-owner BV registered with KvK with a business account | Ages 21-70 holding a bank account in Poland |
| Loan types | Business, Bridging | Personal, Debt consolidation, Car, Business |
| APR | Not confirmed | 17.11% to 36.19% |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | Cash loan DaSię Teraz: RRSO 36.19% on 8,553.12 PLN over 37 instalments of 357.64 PLN, total repayable 13,596.49 PLN |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | Yes |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender).
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Key differences
- 5in5 scores higher overall: 9.4 vs 9.0.
- Term is higher at Smartney: 4 to 120 months vs 0.5 to 24 months.
- Loan types: only 5in5 offers Bridging.
- Loan types: only Smartney offers Personal, Debt consolidation, Car.
Our verdict on each
5in5
5in5 suits Dutch sole traders and single owner firms seeking brief business cover paid in Same day up to 1 business day. You receive €5,000 with terms that run 0.5 to 24, backed by support through email, phone and help centre from 5in5 BV.
Smartney
Smartney is a Polish direct lender whose speed and wide term choice suit borrowers who need cash quickly and can clear a hard credit check. Costs sit at the high end: a variable rate, and a representative example at the top of the 17.11% to 36.19% range.
Score breakdown
| Area | 5in5 | Smartney |
|---|---|---|
| Cost | Not confirmed | 8.9 |
| Offer | 9.4HigherOffer reflects payout in Same day up to 1 business day with terms that run 0.5 to 24 | 8.9Direct lender: 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, terms of 4 to 120. |
| Trust | 9.3HigherTrust reflects operation as 5in5 BV based in NL | 9.2 |
Choosing between them
Pick 5in5 if offer matter most.
Pick Smartney if term matter most.
Positions in our rankings
| Ranking | 5in5 | Smartney |
|---|---|---|
| Business loans | 3 of 435 | 14 of 435 |
Every fact side by side
| Fact | 5in5 | Smartney |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | Smartney Grupa Oney S.A. |
| Headquarters | Not confirmed | Poland |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 5in5 | Smartney | Median |
|---|---|---|---|
| APR | Not confirmed | 17.11% to 36.19%above the median | 8.99 |
| Term | 0.5 to 24 monthslowest quarter | 4 to 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
5in5
Pros
- Payout in Same day up to 1 business day helps when timing matters for stock or invoices
- Fixed ticket of €5,000 keeps budgeting clear for short dated needs
- Terms that run 0.5 to 24 suit brief gaps rather than extended debt
Cons
- Fixed amount of €5,000 may feel tight next to Qonto with €150 to €100,000 for larger projects
- Terms that run 0.5 to 24 require swift repayment compared with longer business facilities
- Support through email, phone and help centre lacks chat, which some borrowers may prefer
Smartney
Pros
- Payouts usually land in minutes, and same-day funding is offered
- Free early repayment, so clearing part of the balance early costs nothing extra
- Amounts of PLN 1,000 to PLN 150,000 over terms of 4 to 120 cover personal, consolidation, car and business lending
Cons
- Credit checks are hard, so a rejected application can leave a mark on the credit file
- Costs sit high, with the representative example at the top of the 17.11% to 36.19% range
- The rate type is variable, so the cost can move over the term
Who each suits
5in5
Who it suits
- Sole businesses needing €5,000 may prefer 5in5 over Qonto with €150 to €100,000 when the need is modest
- Firms valuing payout in Same day up to 1 business day may prefer 5in5 over Sofkredit with €12,000 to €300,000
- Dutch traders based near NL may prefer local handling over Finmercado with MXN 500 to MXN 200,000
Who should look elsewhere
- Borrowers needing larger tickets than €5,000 may prefer Qonto with €150 to €100,000
- Borrowers seeking peso funding may prefer Finmercado with MXN 500 to MXN 200,000
Smartney
Who it suits
- Borrowers with a bank account in Poland who need the money quickly
- Anyone consolidating several debts into a single instalment
- Drivers and homeowners funding a car or home improvement work
Who should look elsewhere
- Cost-first borrowers, since Monzo Flex lists 10% to 23% and Cashspace ES lists 0%
- Anyone wanting a locked instalment, because the rate type here is variable
- Borrowers who cannot pass a credit check that is hard
Current offers
Smartney
Current offer
Bonus
0 zł prowizji (Pożyczka w jednym palcu): 0 PLN commission for granting and servicing the loan
07.09.2026-31.10.2026, new customers who had no Smartney loan before, 10,000-20,000 PLN over 72-84 months, once per promotion; example RRSO 15.5%
Source, checked September 26, 2026
Country by country
| Country | 5in5 | Smartney |
|---|---|---|
| Netherlands | Yes | No |
| Poland | No | Yes |
Questions about each
5in5
Who can apply for a loan from this lender+
You apply as a registered sole business with a business account and request €5,000. Terms run 0.5 to 24 and payout arrives in Same day up to 1 business day. The structure suits short dated needs where rapid settlement matters more than extended repayment.
How large is the loan and how long does it last+
The ticket is fixed at €5,000, so planning is simple but flexibility is limited. Terms run 0.5 to 24, which keeps the commitment short dated. Borrowers needing larger sums may compare Qonto with €150 to €100,000 before deciding.
Smartney
What does a Smartney loan cost?+
The representative APR is 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, and the rate type is variable rather than fixed. The published example sits at the dearer end of that range, so the total repayable figure is the number to check before you apply.
Is there an arrangement fee?+
There is a commission for granting and servicing the loan, charged together with the interest rather than taken as a separate upfront payment. The current promotion waives that commission, so on a promoted loan the interest is the only charge on top of what you borrow.