Verdict
RRSO is close at both firms (Smartney 29–49%, Aasa 35–50%). For an identical profile Smartney usually comes out 2–4 pp cheaper. The gap mostly affects multi-product clients — Smartney runs a loyalty programme with discounts up to 5% RRSO for clients on time for 12+ months.
Assessment: Smartney accepts BIK score 350+, Aasa 360+. Nominally a small gap, but in practice Aasa is stricter on clients with active payday loans — even 2 active payday loans may lead to a decline. Smartney accepts these clients and offers consolidation as the core product.
Max amount and term: Smartney to 60 000 PLN, 60 months; Aasa to 50 000 PLN, 48 months. For clients needing a bigger amount or longer term Smartney is the only pick of the two. Process speed: Smartney up to 20 000 PLN instant decision, Aasa 15–30 minutes. Disbursement: both in 24–48 hours.
Terms compared
| Product | Smartney | Aasa Polska |
|---|---|---|
| RRSO 2026 | ✓ 29–49% | 35–50% |
| Maximum amount | ✓ 60 000 PLN | 50 000 PLN |
| Maximum term | ✓ 60 months | 48 months |
| Minimum BIK score | ✓ 350 | 360 |
| Client with 2 payday loans | ✓ accepted | often declined |
| Disbursement | ✓ 24 hours | 24–48 hours |
| Owner | Grupa Smartney sp. z o.o. (PL) | Aasa Group (Finland) |
Fits for
Smartney
- Clients with 2–5 active payday loans seeking consolidation
- Anyone needing a bigger amount (50–60 000 PLN) over a longer term (48–60 months)
- Repeat Smartney clients — loyalty programme gives discounts
Aasa Polska
- Clients without active payday loans with a full profile
- Anyone needing a faster online decision
- Clients who value Finnish conservatism in risk assessment
Frequently asked questions
Yes, in the segment of clients with active payday loans. Smartney offers consolidation as a core product; Aasa avoids these clients as too risky.
Smartney, on average 2–4 pp cheaper (29–49% vs 35–50%). For an identical profile Smartney usually beats.
Smartney up to 20 000 PLN: instant decision, disbursement in 24 hours. Aasa: 15–30 minute decision, 24–48 hour disbursement. Smartney is slightly faster.