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Smartney review

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

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Our verdict

Smartney is a Polish lender for adults who need cash in a hurry and already hold a bank account in Poland. Cost is the weak spot: the 17.11% to 36.19% range sits well above the 14.43% typical of personal loans here, so borrow for speed rather than for the cheapest rate.

Key facts

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

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
WikidataLinkedInyoutube.comfacebook.com

Pros and cons

Pros

  • Early repayment is free, so clearing the balance sooner costs nothing extra.
  • Support runs on email, phone and help centre, giving help by phone, by email and through the help centre.
  • Terms run 4 to 120, so a larger loan can be spread over a longer schedule.

Cons

  • The 17.11% to 36.19% range sits above the 14.43% median for personal loans on the site.
  • The hard credit check means applications rest on your credit file.
  • A commission for granting and servicing the loan is charged with the interest, and only the current promotion sets it to free.
Smartney

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Adults with a bank account in Poland who need the money today.
  • Borrowers planning a home improvement, the stated use case.
  • Borrowers who expect to clear a balance early.

Who should look elsewhere

  • Rate shoppers who want a lower headline number, since Sofkredit lists 10.74% to 18.06% against the 17.11% to 36.19% range here.
  • Borrowers with a thin credit file, because the hard check is the gate to apply.
  • People who want to fix a rate in advance, since Smartney prices on a variable basis.

Who runs it

Smartney is Smartney Grupa Oney S.A., a lender based in Poland. It sits in the Komisja Nadzoru Finansowego register of credit institutions under RIP 000610, and also in the register of insurance agents under 11225430/A. Both registrations sit with the same Polish supervisor, so the lending side is supervised. Support runs on email, phone and help centre.

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 borrowing from Smartney cost?+

Rates run 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000. A commission for granting and servicing the loan is charged together with the interest, and a current promotion waives that commission. Early repayment is free, so clearing the balance sooner costs nothing extra.

Is Smartney properly regulated?+

Yes. The lender is Smartney Grupa Oney S.A., listed in the Komisja Nadzoru Finansowego register of credit institutions under RIP 000610. It also appears in the register of insurance agents under 11225430/A, and both entries sit with the same supervisor.

Who can apply for a Smartney loan?+

Applicants must be adults who hold a bank account in Poland, which is what the Ages 21-70 holding a bank account in Poland rule sets out. Applications also run a hard credit check, so the credit file you hold has a direct say.

Can I pay a Smartney loan back early?+

Yes, early repayment is free, so there is no charge for settling the balance before the end of the term. With a variable rate, that choice matters, since the cost of borrowing continues for as long as the loan stays open.

What can I use the money for?+

The stated use case is home improvement, and personal, debt consolidation and car covers personal, debt consolidation, car and business lending. Because Smartney is a direct lender, the money comes from the lender itself rather than from a panel of brokers.

How much and how long can I borrow?+

Amounts run PLN 1,000 to PLN 150,000 and terms run 4 to 120, which is wide at both ends. For comparison, the site median for personal loans is 36 months, so a longer schedule here sits well above the typical one.

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

Same day cash in Poland for adults with a Polish bank account.

9.1/10Visit