the concept of "smart living" applied to finance!

Creation : In 2019
Activity : Personal Loans
Implantation : Poland

Who we are ?

Smartney, subsidiary of Oney, was created in 2018 in Poland to offer customers the possibility of borrowing in a simple and innovative way and on favourable terms, using cutting-edge technology!

Smartney - A unique offer on the market

A unique offer on the market

To meet the Polish way of life, Oney offers loan solutions via "Smartney". This new structure creates a new category of non-banking products, at rates that are among the lowest on the market, over longer terms and for larger amounts. Using the latest technologies, Smartney offers simple, fast and completely digital loan offers. Smartney offers are available from brokers, at points of sale and online. The innovative Smartney solution enables Polish people to obtain consumer credit in less than 15 minutes, so that they can complete their projects in record time.

Our portfolio of solutions

We offer our customers unsecured loans up to PLN 60K for up to 5 years, allowing them quick access to higher amounts at a price not available on the market.
Our membership of the Oney group gives reliability and guarantees.

The process:

  • Fast online process: paperless, easy with instant credit decision and fast money transfer
  • Automated credit risk assessment of customers.

A wide offer

  • 24/7: online and mobile app and service
  • offline: all the major brokers in Poland offer Smartney

Smartney is a dynamic start-up that successfully launched its sales on the market in just nine months from scratch: design of its back-end system, development through the design of UX, development of a risk strategy, brand design and implementation of a back-office policy.

By establishing its presence in both channels: online and offline and combining it with a dynamic increase in sales, Smartney has demonstrated great potential for its business model.
The further growth of Smartney is planned along two axes: growth of our sales volumes and creation of new products.