Updated September 28, 2026 · BorrowCue Editorial Team
Smartney vs Sofkredit
What sets them apart
| Compare |  Smartney |  Sofkredit |
|---|---|---|
| APR | 17.11% to 36.19% | 10.74% to 18.06%Lower |
| Loan amount | PLN 1,000 to PLN 150,000 | €12,000 to €300,000 |
| Term | 4 to 120 months | 6 to 240 monthsHigher |
| 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 | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | Hard | Soft prequal |
| Funding time | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| 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 | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Lender type | Direct lender | Broker |
| Eligibility | Ages 21-70 holding a bank account in Poland | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Personal, Debt consolidation, Car, Business | Secured, Debt consolidation, Business |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 6% to 9% |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Smartney scores higher overall: 9.0 vs 8.6.
- Sofkredit is licensed in 1 more country.
- Sofkredit is available in 2 more countries.
- APR is lower at Sofkredit: 10.74% to 18.06% vs 17.11% to 36.19%.
- Term is higher at Sofkredit: 6 to 240 months vs 4 to 120 months.
- Loan types: only Smartney offers Personal, Car.
- Loan types: only Sofkredit offers Secured.
Our verdict on each
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.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Smartney | Sofkredit |
|---|---|---|
| Cost | 8.9Higher | 8.5 |
| Offer | 8.9Direct lender: 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, terms of 4 to 120. | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 9.2Higher | 8.3 |
How they place
| Ranking | Smartney | Sofkredit |
|---|---|---|
| Debt consolidation loans | 42 of 425 | 2 of 425 |
| Business loans | 14 of 435 | 1 of 435 |
| Home improvement loans | 51 of 562 | 2 of 562 |
If neither fits
CreditPlus UA has term at 345 to 365 months, against 4 to 120 months for Smartney and 6 to 240 months for Sofkredit.
CreditPlus UA reviewWhat we checked
Smartney
- smartney.pl: 17 facts, checked September 26, 2026
Sofkredit
- sofkredit.com: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Smartney | Sofkredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Smartney Grupa Oney S.A. | Kova Finance, S.L. |
| Headquarters | Poland | Spain |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Smartney | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | Smartney | Sofkredit | Median |
|---|---|---|---|
| APR | 17.11% to 36.19%above the median | 10.74% to 18.06%above the median | 8.99 |
| Term | 4 to 120 monthshighest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%highest quarter | 0.25 |
Median across 1005 listed lenders.
Pros and cons
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
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
Who each suits
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
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
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 | Smartney | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| Poland | Yes | No |
| Spain | No | Yes |
Questions about each
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.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
Other options to compare
Other matchups
- Sofkredit vs First National Bank of Omaha
- Sofkredit vs Wells Fargo
- Sofkredit vs AffinityPlus Credit Union
- Sofkredit vs Alterna Bank
- Sofkredit vs Banco General
- Sofkredit vs BBK
- Sofkredit vs ING Germany
- Sofkredit vs AIB
- Sofkredit vs National Bank of Malawi Mo626 Digital+
- Sofkredit vs VCB Bank
- Sofkredit vs Cathay United Bank
- Sofkredit vs Oney Préstamos ES
- Sofkredit vs Quick Car Finance
- Sofkredit vs Prestamiau ES
- Sofkredit vs Prestamiau
- Sofkredit vs Fidea
- Smartney vs 5in5
- Smartney vs Qonto ES
- Sofkredit vs Fiesta Credito
- Sofkredit vs Fiesta Credito MX
- Smartney vs Lendela
- Sofkredit vs Creditio
- Smartney vs BriteCap Financial
- Sofkredit vs Commerzbank
- Sofkredit vs Postbank
- Sofkredit vs Consumers Credit Union
- Sofkredit vs Upgrade
- Sofkredit vs CHECK24
- Smartney vs Nazivnost
- Sofkredit vs MoneyHero
- Sofkredit vs LEND.ch
- Sofkredit vs CitiBank AE
- Sofkredit vs Borrowell