Character of the lender
SuperGrosz is a hybrid — two segments in one product. A client can start with a payday loan and, if serviced on time, the firm offers to convert it to an instalment loan with a lower RRSO. This model works for clients starting on an emergency but with stable finances.
Cost sits mid-segment. First payday free (like Vivus, Wonga), later loans close to the statutory cap. A 5 000 PLN, 12-month instalment loan: about 570 PLN/month, RRSO around 55%, total cost about 1 850 PLN. Middle ground between Smartney (30–45%) and rolled payday (60–90%).
After the 2022 amendment the firm shrank its portfolio but held position in the mid-loan segment. SuperGrosz is one of Kreditano's LeadGid partners — visible in our payday-loan top 10.
Offer
- Payday: 100–3 000 PLN over 7–65 days, first free up to 3 000 PLN
- Instalment loan: 1 000–25 000 PLN, term 3–30 months, RRSO 45–68%
- Payday-to-instalment conversion — for clients paying on time
- Mobile app with full end-to-end service
Application process
Online application on supergrosz.pl in 5 minutes. Instant decision on payday loans up to 1 000 PLN, up to 30 minutes on bigger amounts. Same-day disbursement, express transfer in 15–60 minutes. ID via 1 grosz transfer or selfie with ID card.
Fits well for
- Clients starting on payday but expecting a longer term
- Anyone needing a fast online decision (under 30 minutes)
- Clients with BIK score 320+ (lower bar than Smartney)
Not for
- Anyone hunting the lowest instalment RRSO — Smartney is cheaper
- Clients seeking loans longer than 30 months
- Clients with 3+ active payday loans — SuperGrosz declines
Frequently asked questions
Payday: up to 3 000 PLN over 65 days, single repayment. Instalment: up to 25 000 PLN, term up to 30 months, monthly payments. Instalment RRSO lower than payday but still usually above bank rates.
Payday: 300+. Instalment: 350+. The firm accepts a lower bar than Smartney but at a higher RRSO.
No, every KNF-registered firm pulls BIK. A firm advertising „no-BIK loan" while being on the KNF register is misleading — BIK is pulled, only the acceptance bar is low.