Character of the lender
Aasa positions directly against Smartney — similar amount segment, similar RRSO (35–50%), similar process. Difference: Aasa is stricter with clients holding active payday loans. It declines more often but pricing is close to Smartney.
Application flow mirrors the competitor: online on aasa.pl, 15–30 minute decision up to 15 000 PLN, phone verification with income documents above that. Aasa accepts Open Banking but usually also asks for an account statement (a Kontomatik snapshot alone often is not enough).
The firm is one of the more conservative players. Aasa does not lend beyond 48 months (Smartney goes to 60), max amount 50 000 PLN (Smartney 60 000), and rarely accepts clients with less than 12 months of employment history.
Offer
- Instalment loan: 2 000–50 000 PLN, term 6–48 months, RRSO 35–50%
- Consolidation loan: up to 50 000 PLN, payday loans into one Aasa payment
- Early repayment: no fees, proportional cost refund
- Online + phone service, no in-person visits
Application process
Online application on aasa.pl in 15 minutes. Up to 15 000 PLN — instant decision (Open Banking + BIK). Above that — call from an adviser and PIT/certificate documents within 24 hours. Disbursement in 24–48 hours after signing.
Fits well for
- Clients with a full income profile who fail bank checks
- Anyone consolidating payday and instalment payday loans
- Freelancers with 12+ months of documented income
Not for
- Clients with 3+ active payday loans — Aasa usually declines
- People on short service contracts (below 6 months)
- Anyone hunting a loan longer than 4 years
Frequently asked questions
Yes, like every KNF-registered lender. Every Aasa loan sits in BIK from the day of signing.
24–48 hours by standard transfer. Aasa does not offer express transfers — if you need money in minutes, pick a competitor with that option.
Yes, early repayment any time with no fees. The firm must return the proportional share of non-interest costs (consumer credit act art. 49).