Smartney

A non-bank lender on the KNF Register of Lending Institutions, focused on mid-size instalment loans (5–60 000 PLN) with terms up to 60 months. Smartney was founded in 2017 and quickly took the lead in the „bridge segment": not as expensive as payday loans, not as strict as banks. Owner: Grupa Smartney sp. z o.o.

Active since: 2017 · Non-bank lender (KNF register)

Character of the lender

Smartney profiles itself as the alternative for clients who do not clear a bank loan but need more than a standard payday amount. RRSO 29–49% in 2026 sits between banks (10–15%) and payday firms (30–80%). Minimum BIK score for acceptance: 350 (banks want 420+, payday firms 300).

The process is hybrid. Online application on smartney.pl — decision in 15–60 minutes. Above 20 000 PLN Smartney usually asks for a phone call with an adviser and income documents (PIT or certificate). That sets the firm apart from pure payday — Smartney invests time in verification because the amounts and terms are bigger.

The firm leads consolidation loans in the non-bank segment. A client with 3–5 rolled payday loans often finds Smartney a sensible bridge out of the spiral — one Smartney payment instead of five payday ones, RRSO lower than the sum of the earlier costs.

Offer

  • Instalment loan: 1 000–60 000 PLN, term 3–60 months, RRSO 29–49%
  • Consolidation loan: up to 60 000 PLN, several payday loans into one payment
  • Loyalty programme: discounts for on-time repayment
  • Flexible repayment: early repayment free, up to 3 payment holidays

Application process

Online application on smartney.pl in 15 minutes. Up to 20 000 PLN — instant decision (Open Banking). Above that — call from an adviser within 2 hours, income documents required. Disbursement within 24 hours of e-signing. Requires legal age, Polish citizenship or a residence card, an account at a Polish bank.

Fits well for

  • Clients with 3–5 payday loans looking for consolidation cheaper than the current sum
  • Anyone needing 10–60 000 PLN after a bank refusal
  • Freelancers and self-employed with short business history (6–12 months)

Not for

  • Clients who clear a bank check — a bank always beats on price
  • Anyone needing a loan longer than 5 years — Smartney maxes at 60 months
  • Clients with BIK score below 340 — Smartney will decline

Frequently asked questions

Is Smartney a bank?+

No, Smartney is a non-bank lender on the KNF Register of Lending Institutions, without a banking licence. Subject to the consumer credit act and the anti-usury act.

What documents does a Smartney loan need?+

Up to 20 000 PLN: ID card, an account at a Polish bank, Open Banking consent. Above 20 000 PLN: also PIT statement, employment income certificate, or 3 months of account statements.

What does a 20 000 PLN, 36-month Smartney loan cost?+

In 2026, about 830 PLN/month at RRSO 35%. Total cost about 9 800 PLN. Actual terms depend on the client profile.