Character of the lender
Hapi Pożyczki and SuperGrosz are two brands of the same group — Aventus. Role split: SuperGrosz handles payday and mixed loans, Hapi only instalment loans. This lets the group run separate marketing and different BIK acceptance bars per segment.
Hapi's terms are slightly pricier than SuperGrosz on instalment loans (RRSO 55–72% vs 45–68%), but the firm accepts a lower BIK score (340+ vs 350+). A classic trade: more clients let in, more expensive terms for each.
The Hapi mobile app is basic, focused on the essentials (application, repayment, history). No advanced spending analytics or calculators, but also no needless complexity.
Offer
- Instalment loan: 2 000–30 000 PLN, term 6–36 months, RRSO 55–72%
- Consolidation loan: up to 30 000 PLN, paying off payday loans at other firms
- Early repayment with no fees, proportional cost refund
- Mobile app with basic functionality
Application process
Online application on hapipozyczki.pl in 10 minutes. 15–30 minute decision for clients with score 400+ (Open Banking + BIK). Above that — phone contact and PIT/certificate documents. Disbursement in 24 hours from signing.
Fits well for
- Clients with BIK score 340–420 declined by cheaper firms
- Anyone consolidating other firms' payday loans into one payment
- Clients who value a simple app without extras
Not for
- Clients with score 420+ — SuperGrosz is cheaper
- Anyone hunting the lowest RRSO — Smartney and Aasa are better
- People on short service contracts (below 6 months)
Frequently asked questions
Both belong to the Aventus Group. SuperGrosz handles payday and mixed loans. Hapi only instalment, with a lower BIK acceptance bar and higher RRSO. Same owner, different positioning.
In 2026 about 590 PLN/month at RRSO 60%. Total cost about 4 200 PLN. Actual terms depend on the client profile.
Not in the classic „no-BIK loan" sense. Every application requires BIK consent. An ID document (national ID or passport) is required for identity verification.