About Smart Pozyczka

Online payday loans – Quick online payday loan up to PLN 15,000 only in SMART LOAN for 30 days. Do you need an online payday loan?

PLN 3,000 for PLN 0!

First Loan
with 0% APR
Borrow up to PLN 5,000
with a 50% DISCOUNT
(APR 107%)

Check out the benefits of our 100% online loan:

• First loan up to PLN 3,000 for FREE (0% APR)
• Possibility to refinance the loan
• Processing applications 24/7
• Professional service
• 50% DISCOUNT on the first loan up to PLN 5,000 (APR 107%)
• Premium Profile Your benefits package

our loan kit, i.e. what you need to apply for a loan:

• ID card
• Age ranges from 18-73
• Telephone number and e-mail address
• Own bank account

Quick loan in 3 steps:

• Select the amount you are interested in and submit your application

• Verify your details to complete the process and receive an express loan decision 100% online

• Enjoy the money in your account!

Are you looking for an online loan?
Make a SMART choice.

Fast service – Minimum formalities – An attractive offer – A reliable company – THIS IS IT!

• Fast and convenient!
  ​ SMART Loan is a service available 100% online. This allows you to apply for money and receive cash wherever you are. Whenever the need arises.
• Minimum formalities!
  ​ Our intuitive loan application process will only take you a few minutes.
  Without unnecessary formalities and long queues.
• And an attractive offer!
  We have been operating on the Polish market since 2014 and have helped thousands of clients finance all their needs. We offer up to PLN 3,000 for FREE, up to PLN 5,000 with a 50% DISCOUNT and up to PLN 15,000 for regular customers!
• A reliable company!
  Simple process and fair conditions! Join thousands of our satisfied customers
• This is it!
  You are the most important to us, which is why we make sure that customer service and our services are always at the highest level.

We are a valued brand on the market

The standards of our services have been appreciated by both the financial industry and our clients. We have won many prestigious awards, including: Polish Entrepreneurship Medals, Loan Institution of the Year, Loan Magazine Award. We are also a member of the Association of Loan Companies and we guarantee you compliance with the highest ethical and business standards.

In 2016, we received Polish Entrepreneurship Medals in the categories “Professional Service of the Year”, “Quick Loan Leader” and “E-Loan of the Year”. We are very pleased that we have been appreciated by our industry and customers.

“I listen to my customers” and “Reliable opinion” Opineo. We carefully analyze opinions about us – both positive and critical. Our customers' reviews are the main determinant for us in creating the company's development strategy and improving service.

The obtained “Reliable Company” certificate proves our credibility, reliability and solvency.

It is also a confirmation of the ethical way of conducting business on the market.

As a member of the Polish Association of Loan Institutions (PZIP), we must meet even more restrictive requirements than those resulting from the legal provisions themselves. We actively participate in industry self-regulation projects, striving to ensure the highest quality and safety of the services provided.

Helping is close to us

SOCIAL RESPONSIBILITY IN SMART LOAN

• We support foundations and associations that provide help to those most in need
• Every day we work to build lasting, trust-based relationships with our clients, employees and business partners.
• Our employees are actively involved in social campaigns.
• Noble Parcel
• Common HopePomóz IM Foundation – Białystok Children's Hospice

Customer service

• 85 871 00 49
• info@smartpozyczka.pl
• Work hours:Mon. – Fri.: 8:00 – 20:00Sat: 8:00 – 18:00Sun. commercial: 9:00 – 17:00

Check the most important information about our quick loans online

Information about the Credit Intermediary:

Aventus Group Sp. z o. o. with its registered office in Białystok, ul. Cardinal S. Wyszyńskiego 2B p. III, 15-888 Białystok, KRS 0000355948, run by the District Court in Białystok, 12th Commercial Division of the National Court Register, NIP 9662029390, REGON 200358089, share capital PLN 1,500,000.00. Entry in the Register of Credit Intermediaries at the Polish Financial Supervision Authority RPK026240.

The company conducts credit intermediation activities within the meaning of the Act of May 12, 2011 on consumer credit (Journal of Laws 2011, No. 126, item 715, as amended) for lending institutions.

Aventus Group Sp. z o. o. is a member of  the Polish Association of Loan Institutions and a signatory of the Code of Good Practices  in the field of advertising Consumer Credit, adopted for use by members of the Conference of Financial Enterprises (KPF), associating entrepreneurs on the financial market.

Information regarding lenders:

As part of the website, the Intermediary cooperates with the following lending institutions (hereinafter referred to as Entities Cooperating with the Intermediary):
1. PIXO Sp. z o. o. with its registered office in Białystok, ul. Warszawska 6 lok. 32, 15 – 063 Białystok. Entered into the register of entrepreneurs of the National Court Register kept by SR XII Commercial Division of the National Court Register in Białystok under the number 0000530323, NIP: 5272722744, REGON: 147469220. Entry into the Register of Loan Institutions at the Polish Financial Supervision Authority: RIP000404.

2. LTU Finance Sp. z o. o. with its registered office in Białystok, ul. Cieszyńska 3A lok. 308-309, 15–371 Białystok, KRS 000611492, kept by the District Court in Białystok, 12th Commercial Division of the National Court Register, REGON: 364151085, NIP: 5423255388, Entry in the Register of Loan Institutions at the Polish Financial Supervision Authority: RIP000405.

Entities cooperating with the Intermediary grant short-term consumer loans only via the Internet on the basis of the Act of May 12, 2011 on consumer credit (Journal of Laws of 2011, No. 126, item 715, as amended).

Out-of-court dispute resolution:

The Financial Ombudsman is the body competent to conduct out-of-court settlement of disputes arising from the contract between the consumer and the Lender. All information regarding the rules of conduct is available on the website of the Financial Ombudsman

Personal data administration:

We ensure that all information and data you provide to us are stored and processed in accordance with the law and in compliance with the necessary security rules. We are a reliable financial partner. The credit intermediary, which is Aventus Group Sp. z o. o. based in Białystok – the owner of the Website available in the domain www.smartpozyczka.pl belongs to the prestigious group of the Association of Loan Institutions and the Conference of Financial Enterprises in Poland.

The Personal Data Administrator is the Intermediary – AVENTUS GROUP Spółka z ograniczoną odpowiedzialnością with its registered office in Białystok at ul. Cardinal St. Wyszyńskiego 2B, 15-888 Białystok (Poland), e-mail address: info@smartpozyczka.pl , telephone number: (85) 871 00 49.

The personal data administrator is Aventus Group Sp. z o. o. appointed Mr. Maciej Kaczmarski as Data Protection Inspector. The Inspector can be contacted at iod@aventusgroup.pl .

Online payday loans – what is worth knowing about them?

A payday loan is one of the financial products that is gaining importance on the Polish market. It is a convenient alternative to other loans offered on the market, including long-term loans offered by banks. With its help, you can receive quick financial support when you are surprised by unexpected expenses or need to quickly obtain additional money. Online payday loans are financial aid that can be obtained without leaving home – via the Internet, 100% online, by submitting an application at any time of the day and in any place. What is worth knowing about this type of financial product?

What is a payday loan?

An online payday loan is a short-term non-bank loan. As a rule, this is financial support ranging from several hundred zlotys to several or even several dozen thousand zlotys. To obtain them, you need to complete much fewer formalities than, among others, bank loan. The advantage of this financial product is the speed of receiving the money – without a long procedure and numerous formalities. The decision to grant a loan is very quick, in the opinion of many customers who have already had the opportunity to use online loans, even immediate.

Due to the fact that a payday loan can be obtained instantly, without unnecessary formalities, you should take into account the higher cost of obtaining it (and therefore a higher APR) than, for example, a bank loan. However, remember that the first payday loan is often completely free. One condition that must be met for this to actually happen is to return the money on time – then we can forget about the loan costs for good.

What conditions must be met to receive a payday loan?

Online payday loans are a financial product that, as we mentioned above, does not require many formalities. Therefore, obtaining them is easier than in the case of, among others, bank loans. Who can apply for a loan from a non-bank company? A person who:

– is over 18 years old and has an ID card (in the case of Smart Pożyczka, she is no more than 73 years old),
– is the owner of a personal bank account (set up under her data),
– has successfully passed the data verification process (which is to prevent fraud and loan fraud by people third and ensure the security of the Customer's data and guarantees that the loan will be transferred to his bank account),
– has an active telephone number and e-mail address,
– has access to the Internet and a device on which he can complete the application (e.g. telephone, tablet, computer),
– does not hold a prominent political position of PEP,
– has successfully completed account registration on the intermediary's website, (it is necessary to provide the data necessary to obtain financial support).

How can you apply for a payday loan? Here is a simple step-by-step guide.

1) Just select the appropriate amount and loan period on the special slider on the loan company's home page. Most often, the first loan is granted completely free of charge.

2) The next step for a new customer is to complete registration. To do this, simply complete the registration form, providing basic data and confirm your identity (e.g. through express verification, the so-called Kontomatik or Instantor, or another quick form of verification available on the website where the loan application is submitted).

3) Now all you have to do is wait for the decision to grant an online payday loan. Most often, the customer is informed about this via SMS or e-mail. If the decision is positive, the funds will be transferred directly to the borrower's account.

A payday loan is a product that, like any other product, requires checking your creditworthiness, but receiving a positive decision to grant a payday loan is much more likely than in the case of a bank loan. A reliable lender is one who lends money to solvent people so as not to get them into even greater financial problems.

Online payday loans – how much can you borrow?

Payday loans online are short-term liabilities. For this reason, their amount cannot be too high, but for regular customers it can reach up to several dozen zlotys (in the case of SMART Pożyczka it is up to PLN 15,000). Typically, the repayment period is 30 days. Therefore, when borrowing money, we must measure the financial capabilities of our household in order to repay the loan on time.

As a new customer, you can take advantage of the promotion – the first payday loan is usually free (0% APR). Most often, however, its amount does not exceed PLN 3,000. If we want to borrow more money, we can use the paid offer. SMART Pożyczka offers new customers the option of taking out a first loan of up to PLN 5,000. This loan is also granted to new customers on promotional terms, with a discount of up to 50% (APR 109%). As we mentioned earlier, as regular borrowers, Smart Loan customers can count on support of up to several thousand zlotys – up to PLN 15,000.

Payday loans 24/7 – is it possible?

Is it possible that you can get a payday loan 24/7? You can apply for a non-bank loan online 24 hours a day, 7 days a week. This means that the form can be completed at any time of the day or night – regardless of the day of the week. The application can be submitted on weekends and holidays. All you need is internet access.

The moment of receiving the money does not depend on the lending company, but on the bank where the potential client has an account. In some situations, the funds will be transferred to your account immediately, in others you will have to wait for a while.

Online payday loans are a product that is becoming more and more popular among customers. The rising cost of living means that sometimes an unexpected expense can put a significant strain on our home budget. In times like these, payday loans may be the best solution.