A smart loan, grants quick loans via the Internet 7 days a week, so we have the option of taking a payday loan at the weekend . Smartpożyczka.pl offers payday loans with a maximum amount of $ 8,000. The first loan for new customers may not exceed $ 3,000. The company grants loans for a specific period (30 days). The framework is not flexible. The smart loan is verified by BIG and ERIF, while it grants payday loans without BIK . In addition, Smart Loan, as one of the few lenders, requires you to prove employment or other source of income. For regular customers who take another loan, the company has prepared a loyalty program based on discounts.
Go to the conclusion
Payday loan without BIK in Smartpłat
Many non-banking institutions operating on the market, by advertising their services, tempt customers with the vision of not verifying in BIK
. A smart loan
is one of them and does not check the applicant at BIK
, but checks information offices such as KRD
. KRD is the National Debt Register
, while ERIF is the Economic Information Bureau
containing the register of debtors. We can only get to KRD and ERIF when we do not pay our liabilities for a long time. We do not have to worry about it if we happen to be late with the loan repayment, but we will settle the liability at a later date. We must be aware that appearing in the KRD and / or ERIF rather disqualifies us as borrowers in the Smart payday loan, although each case is considered individually. If we are sure that we do not appear in the indicated registers, we can rest assured. A smart loan
will not obtain a negative opinion about us. BIK, i.e. the Credit Information Bureau, which collects information about the credit history of Poles, will not be checked by Smartpay. A smart loan, similar to similar companies, offers payday loans without certificates
and resigns from unnecessary formalities
. In addition, as part of the security and checking whether the client will have funds to pay off the liability, the Smart Loan requires confirmation of employment or other income. The analysis of our ability to repay the loan taken is therefore based on criteria other than information from BIK
Conditions necessary to receive a loan in SmartPoend
A smart loan, like other non-bank institutions providing payday loans, does not impose excessive conditions on its clients. To get a loan, all you need to do is:
- have an identity card and a PESEL number;
- be a Polish citizen with permanent residence in the country;
- be at least 21 years of age not exceeding 70 years of age;
- have a computer with internet access and a mobile phone;
- have a bank account at a bank operating in the territory of the Republic of Poland with an active internet banking system;
- not be listed in databases such as KRD or ERIF;
- do not have any debt with the lender;
- demonstrate your ability to repay the loan.
Filling in the application itself is not time-consuming as it contains few items. In case of questions or doubts, we can open a chat with a consultant and clarify the complex issues. After sending the application, we transfer $ 0.01 from our account to the Smartpending account so that she can check whether we are actually account holders. The transfer title is clearly specified in the regulations. If we say otherwise, our fee may not be taken into account at all. The company has several accounts, the best way to transfer it is to a bank account in which we have the account ourselves. Then the fee will go to the lender faster. Smart payday
does not use account verification applications, so an activation fee is essential. If we apply for a loan above $ 400, we should also send the lender a scan or photo of both sides of our ID card and our account statement so that the lender can see that we have income. The lender will also check us in KRD and ERIF. The decision can be made in as little as 15 minutes. We will receive an SMS notification. At the same time, the funds will be withdrawn, although their crediting to our account will depend on whether the transfer is made within the same bank or between banks.
See how to apply for a loan
Make an application
Smartpredit belongs to the recognized group of Aventus Group sp. Z oo, which previously made Pożyczka Plus famous, gaining a faithful group of borrowers. Smart loan is a young brand, but it is developing rapidly. In the expert and consumer opinion, the greatest advantages of Smart payday are: customer service 7 days a week, no BIK verification and discounts for regular customers.
Accurate details of the lender
PIXO Sp. z o. o
ul. Nicholas Copernicus 21
Data of the owner of the smartpozyczka.pl website
Aventus Group Sp. z o. o
ul. Wyszyńskiego 2b p. III
15-888 Białystok www.smartpozyczka.pl
SmartPożyczka customer service hours
Monday - Friday:
07:30 - 21:00 Saturday:
09:00 - 17:00 Sunday:
09:00 - 17:00
Take a loan
The first loan selected for a period of 30 days at $ 1,000 costs $ 160.85. Representative example for the first loan: APR (Actual Annual Interest Rate) is 513.92%, assuming: total loan amount $ 1000, total amount to be paid $ 1160.85, RSO (annual interest rate) fixed interest rate 7.2% , total cost $ 160.85, term of the contract 30 days, subject to timely repayment.
The one-time registration fee is $ 0.01. The first loan selected for a period of 30 days at $ 600 costs only $ 0. Representative example for the first loan covered by the promotion: APRC (Actual annual interest rate) is 0%, assuming: total loan amount $ 600, total amount to be repaid $ 0, RSO (annual interest rate) fixed interest rate is 0%, total cost 0 $, including commission $ 0, capital interest $ 0, the term of the contract is 30 days.
Magdalena Mazur Twitter
She graduated from the University of Economics. She specializes in credits, loans and payday loans that can be applied for online. He knows the rules of online offers and is happy to write about them so that anyone interested in taking payday loans online knows what to look for.