Updated September 29, 2026 · BorrowCue Editorial Team
Qonto ES vs Smartney
Qonto ES vs Smartney: the differences
| Compare |  Qonto ES |  Smartney |
|---|---|---|
| APR | 19.5% | 17.11% to 36.19%Lower |
| Loan amount | €750 to €1,000,000 | PLN 1,000 to PLN 150,000 |
| Term | 1 to 12 months | 4 to 120 monthsHigher |
| Funding time | Answer within max 48 h, money in the Qonto account within a few days | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes |
| Rate type | Fixed | Variable |
| Lender type | Broker | Direct lender |
| Eligibility | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required | Ages 21-70 holding a bank account in Poland |
| Loan types | Business, Credit line | Personal, Debt consolidation, Car, Business |
| Arrangement fee | Not confirmed | 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 |
| 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 |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Good | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Smartney scores higher overall: 9.0 vs 8.6.
- Qonto ES is licensed in 1 more country.
- Qonto ES is available in 29 more countries.
- APR is lower at Smartney: 17.11% to 36.19% vs 19.5%.
- Term is higher at Smartney: 4 to 120 months vs 1 to 12 months.
- Support channels: only Qonto ES offers Chat.
- Features: only Qonto ES offers Credit line.
- Features: only Smartney offers Same day funding.
- Loan types: only Qonto ES offers Credit line.
- Loan types: only Smartney offers Personal, Debt consolidation, Car.
Our verdict on each
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
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 | Qonto ES | Smartney |
|---|---|---|
| Cost | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. | 8.9Higher |
| Offer | 9.0Higher | 8.9Direct 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 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Qonto ES
1,087.44
1,087.44
Smartney
950.84 to 2,066.85
950.84 to 2,066.85
Smartney comes out 136.6 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.
If neither fits
Sofkredit has term at 6 to 240 months, against 1 to 12 months for Qonto ES and 4 to 120 months for Smartney.
Sofkredit reviewWhat we checked
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Smartney
- smartney.pl: 17 facts, checked September 26, 2026
How they place
| Ranking | Qonto ES | Smartney |
|---|---|---|
| Business loans | 5 of 435 | 14 of 435 |
Every fact side by side
| Fact | Qonto ES | Smartney |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding |
| Legal entity | QONTO | Smartney Grupa Oney S.A. |
| Headquarters | France | Poland |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Qonto ES | Smartney | Median |
|---|---|---|---|
| APR | 19.5%highest quarter | 17.11% to 36.19%above the median | 8.99% |
| Term | 1 to 12 monthslowest quarter | 4 to 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
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
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
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
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
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 | Qonto ES | Smartney |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 30 countries where either is available.
Questions about each
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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.
Other options to compare
Other matchups
- Qonto ES vs Sofkredit
- Qonto ES vs Andacredito
- Qonto ES vs Plazo ES
- Qonto ES vs 5in5
- Qonto ES vs Multitude Bank p.l.c
- Qonto ES vs Cashspace
- Qonto ES vs Solcredito
- Qonto ES vs Lendela
- Qonto ES vs BriteCap Financial
- Qonto ES vs Kredivo
- Qonto ES vs Moneyveo UA
- Qonto ES vs TF Bank
- Qonto ES vs Upgrade
- Qonto ES vs Novo
- Qonto ES vs Nazivnost