Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Smartney
Where Andacredito and Smartney differ
| Compare |  Andacredito |  Smartney |
|---|---|---|
| APR | 0% to 36%Lower | 17.11% to 36.19% |
| Loan amount | €100 to €5,000 | PLN 1,000 to PLN 150,000 |
| Term | 2 to 3 months | 4 to 120 monthsHigher |
| Arrangement fee | 0 EUR | 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 | 10 minutes | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 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 |
| Lender type | Broker | Direct lender |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Ages 21-70 holding a bank account in Poland |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Debt consolidation, Car, Business |
| Credit check | Not confirmed | Hard |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Variable), Free early repayment (Yes).
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Key differences
- Smartney scores higher overall: 9.0 vs 8.7.
- APR is lower at Andacredito: 0% to 36% vs 17.11% to 36.19%.
- Term is higher at Smartney: 4 to 120 months vs 2 to 3 months.
- Support channels: only Smartney offers Phone, Help centre.
- Loan types: only Andacredito offers Payday, Student.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
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 | Andacredito | Smartney |
|---|---|---|
| Cost | 9.5Higher | 8.9 |
| Offer | 8.3 | 8.9HigherDirect lender: 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, terms of 4 to 120. |
| Trust | 8.3 | 9.2Higher |
Choosing between them
Pick Andacredito if cost, apr, and loan types matter most.
Pick Smartney if offer, trust, and term matter most.
Feature by feature
| Loan types | Andacredito | Smartney |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | Yes | No |
Ranges side by side
| Fact | Andacredito | Smartney |
|---|---|---|
| APR | 0% to 36% | 17.11% to 36.19% |
| Term | 2 to 3 months | 4 to 120 months |
How they place
| Ranking | Andacredito | Smartney |
|---|---|---|
| Personal loans | 13 of 1932 | 106 of 1932 |
| Debt consolidation loans | 5 of 425 | 42 of 425 |
| Car loans | 3 of 431 | 27 of 431 |
| Business loans | 2 of 435 | 14 of 435 |
Every fact side by side
| Fact | Andacredito | Smartney |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Smartney Grupa Oney S.A. |
| Headquarters | Estonia | Poland |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Smartney | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 17.11% to 36.19%above the median | 8.99 |
| Term | 2 to 3 monthslowest quarter | 4 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
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
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
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
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
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 | Andacredito | Smartney |
|---|---|---|
| Poland | No | Yes |
| Spain | Yes | No |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
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.
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