Smart Loan is a new company established in June 2014. The loan company is a new child of Mała Loan, which also manages the Loan Plus brand. Mandes Group sp. Z o. O. Was founded in Lithuania in 2010 and since then has expanded its activities to operate on a vast area at present. Mandes Group is also a member of the Loan Companies Association.
Smart loan – free first loan up to 3000 PLN
Smart Loan offers payday loans for people from 19 to 73 years, for an amount of up to PLN 7,000, but we will get the first online loan for a maximum of PLN 2000 (it is a free loan with an interest rate of 0%). The second loan is offered in the amount of PLN 3,500, the third and fourth one from the amount of PLN 4,000. From the fifth loan, we can take 5000 zlotys, from the seventh 6000. We can take a thousand more from a loan of 9. The moment cap is granted for 10, 15, 20, 25 and 30 days. New Smart Clients. Loans can count on a 30-day free payday. After this period, we can extend the repayment period to 10, 20 or 30 days. Smart Loan does not check BIK, it is characterized by a fast inference process and fast payout.
Conditions for taking a loan in Smart Loan
To reach for a loan in Smart Loan you must meet the requirements of the lender. One of them is the borrower’s right age. In the case of Smart Loan it is 19-73 years. Thanks to this, both students and pensioners can apply for a loan. We will also need proof to take the loan. It is from this that we will have to provide the most important data in the application. It is also necessary to have a fixed income to get a loan. The lender must know that we are a reliable person who can afford to repay the loan on time.
As Smart Loan pays money to the bank account of the applicant, a bank account will be necessary. Often, a verification fee is made. However, the method of confirming the identity largely depends on the requirements of the lenders. As Smart Loan customers, we should also have an active mobile phone and e-mail address. They will help us contact the lender.
How to take out a loan in Smart Loan?
In order to reach for a loan in Smart Loan, it is enough to go to the lender’s website and use the sliders placed there to choose the loan amount we are interested in and the period of its repayment. After making the right choice, go to fill in the application. All data provided in it will be verified by the lender. It is worth checking their correctness. This will improve the process of considering the application as well as withdrawing money from the loan.
After submitting the completed application, we can expect a message indicating how to verify the data. We will receive such information by phone or e-mail. After completing all the commands, we can count on a quick payment of money. They should appear on our account within a dozen or so minutes.
The cost of a payday loan in Smart Loan
A big plus of Smart Loans is that it is provided completely on-line. In addition, the company values loyal customers, so if we pay off the first minute on time, we can count on much faster verification and more attractive terms with subsequent loans. When applying for a payday, we need to set up an individual account on the lender’s website. It is useful for checking the condition of our loan. Using the panel, we can also extend the repayment of our payday. However, if we are ready for early repayment of debt, we can do it. It is important, however, to notify the lender in advance that you want to pay off your debt. The payment of the payday will take place as in the case of regular installments.
The costs of extending the repayment date
Every customer who uses a free loan, in the event of problems, can expect an extension of its repayment date. He can do that for the number of days the loan was taken. Detailed information on postponing the term of the loan can be found in the terms and conditions of the promotion placed on the lender’s website. If regular customers have problems with repayment, they can reach for a refinancing loan. The company will be contacted by a friend company with a lender that provides similar services. The loan will be refinanced by the number of days for which the customer originally took out the loan.
If the loan is not repaid on time, the client is obliged to pay the total amount of the loan, which consists of: loan amount, loan commission and costs related to the actions taken to recover the debt. The debt collection and writ-up activities consist of: reminders sent via SMS messages, reminders sent via email, written requests for payment sent by registered mail, possibly telephone reminders and interest for delayed payment of loans are calculated in the amount of maximum interest specified in art. 359 § 2 (1) of the Civil Code, ie four times the Lombard loan amount of the National Bank of Poland.
|600 PLN||1000 PLN||PLN 1,500||PLN 2,000||PLN 2,500|
|10 days||PLN 129||PLN 209||PLN 299||PLN 389||PLN 449|
|20 days||PLN 159||PLN 239||PLN 359||PLN 469||PLN 569|
|30 days||199 PLN||PLN 309||PLN 439||PLN 569||PLN 659|
The cost of prompts
If the loan is not repaid on time, the client is obliged to pay the total amount of the loan, which consists of the loan amount, a loan commission and costs related to the actions taken to recover the debt. The debt collection and writ-up activities consist of: reminders sent via SMS messages, reminders sent via email, written requests for payment sent by registered mail, possibly telephone reminders and interest for delayed payment of loans are calculated in the amount of maximum interest specified in art. 359 § 2 (1) of the Civil Code, ie four times the Lombard loan amount of the National Bank of Poland.