Updated September 28, 2026 · BorrowCue Editorial Team
Nazivnost vs Smartney
What sets them apart
| Compare |  Nazivnost |  Smartney |
|---|---|---|
| APR | 0.037% to 30,341%Lower | 17.11% to 36.19% |
| Loan amount | CZK 5,000 to CZK 200,000 | PLN 1,000 to PLN 150,000 |
| Term | 2 to 12 months | 4 to 120 monthsHigher |
| Arrangement fee | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans | 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 | Within minutes of approval, at latest the next day | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes |
| Representative example | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc | 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 | Fixed | Variable |
| Eligibility | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts | Ages 21-70 holding a bank account in Poland |
| Loan types | Business, Payday | Personal, Debt consolidation, Car, Business |
| Origination fee (%) | 0.05% | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- APR is lower at Nazivnost: 0.037% to 30,341% vs 17.11% to 36.19%.
- Term is higher at Smartney: 4 to 120 months vs 2 to 12 months.
- Loan types: only Nazivnost offers Payday.
- Loan types: only Smartney offers Personal, Debt consolidation, Car.
Our verdict on each
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
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 | Nazivnost | Smartney |
|---|---|---|
| Cost | 9.3HigherRates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. | 8.9 |
| Offer | 8.7 | 8.9HigherDirect lender: 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, terms of 4 to 120. |
| Trust | 8.8 | 9.2Higher |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Nazivnost
1.98 to 3,024,100
1.98 to 3,024,100
Smartney
950.84 to 2,066.85
950.84 to 2,066.85
Nazivnost comes out 948.86 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
From lowest to highest
| Fact | Nazivnost | Smartney |
|---|---|---|
| APR | 0.037% to 30,341% | 17.11% to 36.19% |
| Term | 2 to 12 months | 4 to 120 months |
How they place
| Ranking | Nazivnost | Smartney |
|---|---|---|
| Business loans | 13 of 435 | 14 of 435 |
Every fact side by side
| Fact | Nazivnost | Smartney |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | CreditKasa s.r.o. (IČO 048 23 541) | Smartney Grupa Oney S.A. |
| Headquarters | Czechia | Poland |
| Founded | 2016 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Nazivnost | Smartney | Median |
|---|---|---|---|
| APR | 0.037% to 30,341%lowest quarter | 17.11% to 36.19%above the median | 8.99 |
| Term | 2 to 12 monthslowest quarter | 4 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0.05%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
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
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
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 | Nazivnost | Smartney |
|---|---|---|
| Czechia | Yes | No |
| Poland | No | Yes |
Questions about each
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.
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.