Verdict
RRSO Smartney 29–49%, Hapi 55–72%. Big price gap. Smartney accepts score 350+, Hapi 340+. Nominally Hapi is more lenient, gap marginal.
Maximum amount: Smartney 60 000 PLN, Hapi 30 000 PLN. For clients needing larger amounts Smartney is the only pick. Payday consolidation: both firms offer, but Smartney has a longer track record.
Terms compared
| Product | Smartney | Hapi Pożyczki |
|---|---|---|
| RRSO 2026 | ✓ 29–49% | 55–72% |
| Maximum amount | ✓ 60 000 PLN | 30 000 PLN |
| Maximum term | ✓ 60 months | 36 months |
| Minimum BIK score | 350+ | ✓ 340+ |
| Payday consolidation | ✓ core product | available |
Fits for
Smartney
- Clients needing a bigger amount (30–60 000 PLN)
- Anyone consolidating payday loans
- Fuller-profile clients hunting the lowest RRSO
Hapi Pożyczki
- Clients with score 340–350 declined at Smartney
- Anyone needing a smaller amount (up to 30 000 PLN)
- Clients valuing a simple mobile app
Frequently asked questions
Which is cheaper — Smartney or Hapi?+
Smartney clearly: RRSO 29–49% vs 55–72% Hapi. The 15–25 pp gap equals thousands of PLN on a 24-month loan.
When to pick Hapi over Smartney?+
When Smartney declined due to lower BIK score (340–350) or active payday loans. Hapi accepts a wider profile at higher RRSO.