Smartney review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Polish adults who want same-day cash and can clear a hard credit check.
APR
17.11% to 36.19% (Source, checked September 26, 2026)
Loan amount
PLN 1,000 to PLN 150,000 (Source, checked September 26, 2026)
Term
4 to 120 months (Source, checked September 26, 2026)
Arrangement fee
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 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes (Source, checked September 26, 2026)
Representative example
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 (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Ages 21-70 holding a bank account in Poland (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Smartney Grupa Oney S.A. (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
smartney.pl

Apps and profiles

Elsewhere
WikidataLinkedInyoutube.comfacebook.com

Pros and cons

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
  • Support runs through email, phone and help centre

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
Smartney

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Scored 9.0 / 10 by BorrowCue.

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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

Safety and regulation

Smartney is a direct lender, so the money comes from the lender itself rather than a broker. It appears in the Komisja Nadzoru Finansowego register of credit institutions under RIP 000610, and in the register of insurance agents under 11225430/A. The representative example shows the cost sitting at the top of the 17.11% to 36.19% range, which is the figure to weigh before applying.

How Smartney compares

Where Smartney is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (KNF), register of credit institutions (RIP 000610), checked September 26, 2026
Licence in Poland
Komisja Nadzoru Finansowego (KNF), register of insurance agents (11225430/A), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How quickly do I get the money?+

Payouts usually land in minutes for most customers, and same-day funding is listed among the features. Support runs through email, phone and help centre if an application needs a closer look, so a status question does not have to sit unanswered until a reply arrives.

Can I repay the loan early?+

Free early repayment is offered, so clearing all or part of the balance early carries nothing extra. With a variable rate, paying sooner also limits how long the rate can move against whatever is left, which makes lump sums worth considering.

Who can apply?+

Eligibility covers adults holding a bank account in Poland, and the credit check is hard. That kind of check means the decision leans on your credit file, so reviewing it first avoids an application that is unlikely to change the answer.

Is Smartney regulated?+

The lender is listed in the Komisja Nadzoru Finansowego register of credit institutions as RIP 000610, and in the register of insurance agents as 11225430/A. The regulator listings let you check the entry against the register before you apply.

What can I use the loan for?+

The listed use is home improvement, and the same lender covers personal, debt consolidation, car and business loans. Terms of 4 to 120 give room to spread a larger purchase over a longer period, and amounts of PLN 1,000 to PLN 150,000 cover both small jobs and bigger ones.

Is the rate fixed?+

The rate type is variable, so the cost is not locked for the whole term. Anyone budgeting to a fixed instalment should check what the rate does over the term before signing, because variable pricing can move and the repayment changes with it.

Sources

  • smartney.pl/kontakt checked September 26, 2026

    Backs: Support channels

  • smartney.pl/pozyczka-gotowkowa checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Headquarters, Legal entity, Lender type, Loan types, Arrangement fee, Representative example, Term, Use cases

    “Oferta produktowa „DaSię Więcej” ... RRSO wynosi 17,11% ... „DaSię Wygodnie” ... RRSO wynosi 20,52% ... „DaSię Teraz” ... RRSO wynosi 36,19%”

  • smartney.pl/pytania-i-odpowiedzi checked September 26, 2026

    Backs: Credit check, Free early repayment, Rate type, Licences

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Smartney

Smartney

Polish adults who want same-day cash and can clear a hard credit check.

9.0/10Visit

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