Online loans from Smart Pożyczka

Current promotions

• First loan without interest - Every new customer who applies for a loan from the company for the first time has the opportunity to take advantage of the popular promotion of the first loan without interest. This loan is granted for a maximum amount of PLN 8,000.

  Promotion of the first loan: PLN 2,100-8,000 for 30 or 65 days, cost PLN 0 and APR 0% if the regulations are met and repayment is made on time. Standard example LTU: PLN 2,500 / 30 days, cost PLN 300.28, payable PLN 2,800.28; APR 297.51%.

  The LTU promotion only applies to the amount of PLN 2,100-8,000 for 30 or 65 days and requires timely repayment; lower amount does not benefit from this promotion.

Requirements and documents

A company loan certainly cannot be called Smart. Identification and financial information is required when submitting your application. Depending on the assessment process, proof of income may be required. The form itself has quite a lot of fields that need to be filled in, such as place of work, monthly income, form of employment or purpose of the loan. The applicant should be a Polish citizen and a consumer within the meaning of Art. 221 of the Civil Code, i.e. a natural person performing a legal act not directly related to business or professional activity

Customer verification in BIK, ERIF, KRD and others

The compensation for the not very simple application is certainly the fact that the company does not check its clients at the Credit Information Bureau (BIK). This means that if we are in arrears with the repayment of a bank loan installment, we can apply for a loan without any worries.

Unfortunately, if you are listed in the ERIF register of debtors or the National Register of Debtors (KRD), your chances of receiving a loan from Smart Pożyczka will significantly decrease. The company clearly informs its customers when applying for a loan. Traditionally, however, it is worth a try, minor reasons for entries do not necessarily have to influence the decision to grant or refuse a loan, especially for lower amounts. However, if you are listed in the KRD or ERIF for more serious reasons, you can forget about the loan from Smart Pożyczka.

How to apply for a loan

The application for a loan at Smart Pożyczka should start by selecting the interesting loan amount and its repayment period. For this purpose, we use a clearly prepared loan calculator, thanks to which we will select the appropriate loan parameters. The calculator will continuously calculate the interest due and display the selected amount, loan cost, total repayment amount, repayment date and APR. Unfortunately, filling out a loan application is not that easy anymore. The form contains many fields and, in addition to standard data, also requires information about place of employment, position, monthly income and purpose of the loan. Depending on the assessment process, proof of income may be required. All this means that if you want to get a loan, you need to be properly prepared and equipped in advance.

After completing the not very simple form, we can confirm the data by logging in to the account or making a verification transfer. The selected method is used to confirm the compliance of the personal data provided during registration and the bank account affiliation. The amount of the registration transfer is PLN 0.01 (one grosz). All data needed to make the transfer will be displayed on the screen. To speed up obtaining a loan as much as possible, the transfer should be made to the account where we have an account. If our bank does not match any of the banks offered by the lender, the application processing time may extend to 24 business hours due to delays in interbank transactions.

Available banks and identification methods can be checked when applying. The data can be confirmed by logging in to the bank or transferring PLN 0.01.

Once the company records the transfer, it immediately proceeds to verify the application and decide to grant or refuse the loan. Personal data are checked, their compliance and verification in the KRD and ERIF. The decision to grant or refuse will be sent via e-mail and SMS. In the event of a positive decision, the money is paid to the account from which the verification fee of one grosz was made. All information about the loan and its repayment is sent to the email address provided during registration.

When can Smart Pożyczka refuse to grant a loan?

• sent documents in an illegible way
• does not have permanent employment
• has his salary seized by the bailiff
• appears in KRD or ERIF
• has outstanding liabilities to Smart Pożyczka
• he filled out the loan application incorrectly
• under 18 years of age
• does not have Polish citizenship or permanent residence in the country

Repayment and extension of the loan repayment period

To repay the loan, you must transfer the appropriate amount due to the lender's account. All necessary information, such as the account number or individual transfer details, was sent to your e-mail address immediately after the loan was granted. In case of doubts, it is worth contacting the lender at 85 871 00 49

If you experience repayment difficulties, a separate refinancing loan offer may be available. Its granting requires an application and assessment, and the cost and deadline are specified in the documents of the new contract. The information is available after logging in to your account or at the Customer Service Office.

Regular customers who have problems with timely repayment of the loan should immediately contact the Smart Pożyczka Customer Service Office to report the fact and work out a common solution. Usually it is the possibility of the so-called Loan refinancing. This option is paid depending on the loan amount and granted for the period of the refinanced loan.

Consequences of failure to repay the loan

If the loan is not repaid within the prescribed period, the lender may initiate recovery actions. Their rules are specified in the current contract.

Contact details

• Aventus Group sp. o. o.
• Address: Al. 1000-lecia Pani Polskiego 6, 15-111 Białystok
• Customer service office: 85 871 00 49, info@smartpozyczka.pl

Summary

Smart Pożyczka is certainly not as smart as the name suggests, but it is nevertheless worth recommending, especially to all those who are on the BIK lists. When borrowing for the first time, you can count on an amount of PLN 8,000. The first loan is covered by the interest-free loan promotion, for the amount of PLN 2,100-8,000 for 30 or 65 days, after meeting the regulations and timely repayment. The maximum loan amount available at Smart Pożyczka is PLN 20,000, depending on your creditworthiness assessment. The form requires data on your financial situation; income documents may be needed during the assessment. The application is processed within 15 minutes from the moment the verification transfer is posted. You can apply for another loan via your customer profile or by phone. The minimum age of the applicant is 18 years. Refinancing is a separate offer depending on the assessment and terms of the contract.