Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia vs Smartney
Creditilia vs Smartney: the differences
| Compare |  Creditilia |  Smartney |
|---|---|---|
| APR | 0% to 36%Lower | 17.11% to 36.19% |
| Loan amount | MX$1,000 to MX$150,000 | PLN 1,000 to PLN 150,000 |
| Term | 2 to 3 months | 4 to 120 monthsHigher |
| Arrangement fee | 0 MXN | 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 | Answer in under 24 hours; some offers in minutes | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes |
| Representative example | Personal loan of MXN 1,000 repaid over 67 days: costs $0 pesos, total repayable MXN 1,000, CAT 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 | Marketplace | Direct lender |
| Eligibility | Users must be 18 or older; Mexican market (terms governed by the laws in force in the United Mexican States) | Ages 21-70 holding a bank account in Poland |
| Loan types | Personal, Car, Business, Debt consolidation, SecuredCovers more | Personal, Debt consolidation, Car, Business |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Smartney scores higher overall: 9.0 vs 8.7.
- APR is lower at Creditilia: 0% to 36% vs 17.11% to 36.19%.
- Term is higher at Smartney: 4 to 120 months vs 2 to 3 months.
- Loan types: only Creditilia offers Secured.
Our verdict on each
Creditilia
Creditilia suits borrowers in a single market who want a small personal loan settled quickly and can live with a hard credit check. Its origination fee is 0 MXN and its rate runs 0% to 36%, with a representative example quoted at no extra cost. Short terms mean the balance clears fast rather than lingering.
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 | Creditilia | Smartney |
|---|---|---|
| Cost | 9.7HigherOrigination fee of 0 MXN and 0%, rates run 0% to 36%, against a personal loan example that carries no cost at all. | 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 | 8.1 | 9.2Higher |
How they place
| Ranking | Creditilia | Smartney |
|---|---|---|
| Personal loans | 50 of 1932 | 106 of 1932 |
| Debt consolidation loans | 19 of 425 | 42 of 425 |
| Car loans | 12 of 431 | 27 of 431 |
| Business loans | 7 of 435 | 14 of 435 |
| Home improvement loans | 22 of 562 | 51 of 562 |
Pick Creditilia if, pick Smartney if
Pick Creditilia if cost, apr, and loan types matter most.
Pick Smartney if offer and term matter most.
Side by side, item by item
| Loan types | Creditilia | Smartney |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Use cases | Creditilia | Smartney |
|---|---|---|
| Home improvement | Yes | Yes |
Every fact side by side
| Fact | Creditilia | Smartney |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media LLC | Smartney Grupa Oney S.A. |
| Headquarters | United States | Poland |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Creditilia | 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
Creditilia
Pros
- The origination fee is 0 MXN and 0%, so nothing is added on top of the quoted rate at the point of arrangement.
- Rates run 0% to 36%, and the representative example shown costs nothing extra, which keeps the total repayable close to the amount borrowed.
- Answer in under 24 hours; some offers in minutes covers the answer, so a decision does not depend on waiting a full working week.
Cons
- A hard credit check on hard means an application leaves a mark that a declined application cannot erase.
- Terms are 2 to 3, which is short enough that the balance is cleared quickly but leaves little room to stretch a larger amount.
- The representative example is drawn from the smallest end of MXN 1,000 to MXN 150,000 over 2 to 3, so the headline cost picture describes the smallest loans on the book rather than a typical one.
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
Creditilia
Who it suits
- Adults in a single market whose credit history is poor and who need a small personal loan answered inside Answer in under 24 hours; some offers in minutes.
- Borrowers who want a marketplace rate set by several lenders and a clean, fee-free arrangement on the amount.
- People with a home improvement in mind, which is the stated use for the loan.
Who should look elsewhere
- Anyone who cannot afford a hard credit check on hard, where a soft prequalification would be gentler on the file.
- Borrowers who want a long repayment window, since terms are 2 to 3 and the balance is gone in a short period.
- Applicants who need MXN 1,000 to MXN 150,000 at the top of the range, where the cap sits well below the largest personal loans on the site.
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 | Creditilia | Smartney |
|---|---|---|
| Mexico | Yes | No |
| Poland | No | Yes |
Questions about each
Creditilia
What does a Creditilia personal loan cost to set up?+
The origination fee is 0 MXN and the percentage fee is 0%, so nothing is added on top of the quoted rate when the loan is arranged. Rates run 0% to 36%. The representative example shown quotes a small personal loan with no cost attached, where the total repayable matches the amount borrowed.
Is Creditilia a lender or a marketplace?+
It is a marketplace, which means it puts borrowers in touch with lenders rather than lending the money itself. marketplace is the fact to hold on to, because the rate you are offered, the amount available and the term all come from the lender behind the particular offer.
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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