Smart Pożyczka — reviews, costs and terms 2026
Smart Pożyczka offers payday loans online from PLN 100 to PLN 20,000 for 7–61 days. First loan for new customers at 0% APR. Decision in 10-15 minut.
Amount
PLN 100 – 20,000
Term
7 – 61 days
APR
0% – 750%
First loan
0 PLN (0% APR)
Payout
10-15 minut
About Smart Pożyczka
Smart Pożyczka is a non-bank lender focused on payday loans for new customers with the "first loan for PLN 0" promo. For first-time customers the APR is 0% — you repay exactly what you borrowed.
The process is fully online: you fill out a form, ID verification runs via 1-grosz transfer or Kontomatik. Maximum first-loan amount is PLN 7,000 — far higher than competitors (typically PLN 1,500–3,000).
Smart Pożyczka checks BIG registries (KRD, ERIF) but applies a soft BIK rule — loans are available for customers with lower credit scores, provided they have no current arrears. Subsequent loans carry standard pricing with APR 500–800%.
Pros
- +First loan up to PLN 7,000 at 0% APR
- +Decision and payout in minutes
- +Full online verification
- +High limit for a first payday loan
Cons
- −Subsequent loans at standard (higher) cost
- −Short term (~60 days max)
- −Rollovers increase cost
Requirements
- Age 18–75
- Polish ID card
- Polish bank account
- Active phone and email
Ready to apply at Smart Pożyczka?
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Go to Smart PożyczkaFrequently asked questions about Smart Pożyczka
How does the 0-cost first loan work?
For a first-time customer Smart Pożyczka charges no commission and no interest — APR 0%. Borrow PLN 5,000 for 30 days, repay exactly PLN 5,000. A rollover cancels the zero-cost promo.
What is the maximum first-loan amount?
Up to PLN 7,000. The actual limit depends on your income check — typically PLN 1,500–5,000 for new customers.
Does Smart Pożyczka check BIK?
Yes, but with a soft rule — current arrears (KRD, ERIF) matter more than historical delays. People without current debts often get approved even with lower BIK scores.
