{"id":72915,"date":"2026-05-17T19:14:00","date_gmt":"2026-05-17T19:14:00","guid":{"rendered":"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/"},"modified":"2026-05-17T19:14:18","modified_gmt":"2026-05-17T19:14:18","slug":"30eb2afa-6126-4d24-b302-f3b2881ab79a","status":"publish","type":"post","link":"https:\/\/thefundmentor.com\/fr\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/","title":{"rendered":"Konsolidacyjna Smartney \u2013 Po\u017cyczka do 150 000 z\u0142 z lekk\u0105 rat\u0105, ca\u0142kowicie online"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Polecane dla Ciebie<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Smartney<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Po\u017cyczka konsolidacyjna Smartney \u2013 do 150 000 z\u0142, rata od 307 z\u0142, RRSO od 14,65%. Skonsoliduj zobowi\u0105zania wygodnie online i zyskaj lekki bud\u017cet!<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/fr\/redirect\/?https:\/\/www.smartney.pl\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Z\u0142o\u017cy\u0107 wniosek teraz<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Zostaniesz przekierowany na inn\u0105 stron\u0119<\/small>\n<\/div>\n<p>Smartney oferuje konsolidacyjn\u0105 po\u017cyczk\u0119 do 150 000 z\u0142 z atrakcyjn\u0105 rat\u0105 ju\u017c od 307 z\u0142 miesi\u0119cznie. Rzeczywista Roczna Stopa Oprocentowania (RRSO) to tylko 14,65%, a prowizja wynosi 0 z\u0142 dla nowych klient\u00f3w. Ca\u0142y proces odbywa si\u0119 online \u2014 bez papier\u00f3w i zb\u0119dnych formalno\u015bci.<\/p>\n<p>Po\u017cyczka konsolidacyjna Smartney pozwala po\u0142\u0105czy\u0107 r\u00f3\u017cne zobowi\u0105zania w jedn\u0105, l\u017cejsz\u0105 rat\u0119. To wygodne, gdy masz kilka kredyt\u00f3w lub po\u017cyczek i chcesz \u0142atwiej zarz\u0105dza\u0107 bud\u017cetem. Dodatkowym plusem jest szybka decyzja, minimum formalno\u015bci i dost\u0119pno\u015b\u0107 nawet du\u017cych kwot.<\/p>\n<p>Kwoty po\u017cyczki wahaj\u0105 si\u0119 od 1 000 z\u0142 do 150 000 z\u0142. Sp\u0142ata rozk\u0142adana jest na wygodne raty dostosowane do mo\u017cliwo\u015bci klienta. Dla zobowi\u0105zania 15 000 z\u0142 na 72 miesi\u0105ce, rata to tylko 307 z\u0142. Odsetki przy tej kwocie wynosz\u0105 7 123 z\u0142, a ca\u0142kowita sp\u0142ata nie przekracza 22 123 z\u0142.<\/p>\n<h3>Jak z\u0142o\u017cy\u0107 wniosek? Kroki w procesie<\/h3>\n<ol>\n<li>Wype\u0142nij wniosek online na platformie Smartney \u2014 podaj niezb\u0119dne dane.<\/li>\n<li>Zaloguj si\u0119 przez bankowo\u015b\u0107 elektroniczn\u0105 \u2014 nie s\u0105 wymagane \u017cadne dokumenty.<\/li>\n<li>Poczekaj na szybk\u0105 decyzj\u0119. Pieni\u0105dze trafi\u0105 na Twoje konto nawet w tym samym dniu.<\/li>\n<\/ol>\n<h3>Zalety po\u017cyczki Smartney \u2013 co j\u0105 wyr\u00f3\u017cnia?<\/h3>\n<p>Najwi\u0119kszym atutem jest ca\u0142kowicie online\u2019owy proces \u2014 mo\u017cesz ubiega\u0107 si\u0119 o po\u017cyczk\u0119 nie wychodz\u0105c z domu. Minimum formalno\u015bci i elastyczny wyb\u00f3r rat u\u0142atwiaj\u0105 \u017cycie.<\/p>\n<p>Kredyt konsolidacyjny Smartney charakteryzuje si\u0119 niskimi ratami i brakiem prowizji. Jest to rozwi\u0105zanie dla os\u00f3b, kt\u00f3re chc\u0105 uporz\u0105dkowa\u0107 finanse i nie obci\u0105\u017caj\u0105 ich trudne w obs\u0142udze raty.<\/p>\n<h3>S\u0142absze strony oferty<\/h3>\n<p>Dla niekt\u00f3rych klient\u00f3w minusem mo\u017ce by\u0107 konieczno\u015b\u0107 pe\u0142nej weryfikacji dochod\u00f3w poprzez logowanie do banku. Dla os\u00f3b bez dost\u0119pu do e-bankowo\u015bci proces nie b\u0119dzie dost\u0119pny.<\/p>\n<p>Oferta jest skierowana g\u0142\u00f3wnie do os\u00f3b z pozytywn\u0105 histori\u0105 kredytow\u0105 \u2014 negatywne wpisy mog\u0105 uniemo\u017cliwi\u0107 uzyskanie \u015brodk\u00f3w.<\/p>\n<h3>Werdykt ko\u0144cowy<\/h3>\n<p>Smartney zas\u0142uguje na uwag\u0119 os\u00f3b szukaj\u0105cych wygodnej konsolidacji zobowi\u0105za\u0144. Szybki, elektroniczny proces, atrakcyjne warunki i brak prowizji sprzyjaj\u0105 pozytywnej ocenie. Proces jest przejrzysty, a koszt po\u017cyczki znany z g\u00f3ry. Oferta nie b\u0119dzie uniwersalna dla wszystkich, ale dla wielu os\u00f3b uporz\u0105dkowanie bud\u017cetu z pomoc\u0105 Smartney to dobry wyb\u00f3r.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Polecane dla Ciebie<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Smartney<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Po\u017cyczka konsolidacyjna Smartney \u2013 do 150 000 z\u0142, rata od 307 z\u0142, RRSO od 14,65%. Skonsoliduj zobowi\u0105zania wygodnie online i zyskaj lekki bud\u017cet!<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/fr\/redirect\/?https:\/\/www.smartney.pl\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Z\u0142o\u017cy\u0107 wniosek teraz<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Zostaniesz przekierowany na inn\u0105 stron\u0119<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Poznaj konsolidacyjn\u0105 po\u017cyczk\u0119 Smartney do 150 000 z\u0142. Lekkie raty od 307 z\u0142. Szybki i prosty proces online dla os\u00f3b chc\u0105cych uporz\u0105dkowa\u0107 finanse i po\u0142\u0105czy\u0107 zobowi\u0105zania.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Konsolidacyjna Smartney \u2013 Po\u017cyczka do 150 000 z\u0142 z lekk\u0105 rat\u0105, ca\u0142kowicie online - The Fund Mentor<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thefundmentor.com\/fr\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Konsolidacyjna Smartney \u2013 Po\u017cyczka do 150 000 z\u0142 z lekk\u0105 rat\u0105, ca\u0142kowicie online - The Fund Mentor\" \/>\n<meta property=\"og:description\" content=\"Poznaj konsolidacyjn\u0105 po\u017cyczk\u0119 Smartney do 150 000 z\u0142. 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Szybki i prosty proces online dla os\u00f3b chc\u0105cych uporz\u0105dkowa\u0107 finanse i po\u0142\u0105czy\u0107 zobowi\u0105zania.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thefundmentor.com\/fr\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/\" \/>\n<meta property=\"og:site_name\" content=\"The Fund Mentor\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-17T19:14:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-17T19:14:18+00:00\" \/>\n<meta name=\"author\" content=\"Bruno Gianni\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bruno Gianni\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/\"},\"author\":{\"name\":\"Bruno Gianni\",\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/person\/d52888235fd6563bd07d97185d6a61e4\"},\"headline\":\"Konsolidacyjna Smartney \u2013 Po\u017cyczka do 150 000 z\u0142 z lekk\u0105 rat\u0105, ca\u0142kowicie online\",\"datePublished\":\"2026-05-17T19:14:00+00:00\",\"dateModified\":\"2026-05-17T19:14:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/\"},\"wordCount\":458,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/thefundmentor.com\/#organization\"},\"articleSection\":[\"Hidden\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/\",\"url\":\"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/\",\"name\":\"Konsolidacyjna Smartney \u2013 Po\u017cyczka do 150 000 z\u0142 z lekk\u0105 rat\u0105, ca\u0142kowicie online - The Fund Mentor\",\"isPartOf\":{\"@id\":\"https:\/\/thefundmentor.com\/#website\"},\"datePublished\":\"2026-05-17T19:14:00+00:00\",\"dateModified\":\"2026-05-17T19:14:18+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/thefundmentor.com\/30eb2afa-6126-4d24-b302-f3b2881ab79a\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/thefundmentor.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Konsolidacyjna Smartney \u2013 Po\u017cyczka do 150 000 z\u0142 z lekk\u0105 rat\u0105, ca\u0142kowicie online\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/thefundmentor.com\/#website\",\"url\":\"https:\/\/thefundmentor.com\/\",\"name\":\"The Fund Mentor\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/thefundmentor.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/thefundmentor.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/thefundmentor.com\/#organization\",\"name\":\"The Fund Mentor\",\"url\":\"https:\/\/thefundmentor.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/thefundmentor.com\/wp-content\/uploads\/sites\/506\/2025\/11\/Logo-The-Fund-Mentor.png\",\"contentUrl\":\"https:\/\/thefundmentor.com\/wp-content\/uploads\/sites\/506\/2025\/11\/Logo-The-Fund-Mentor.png\",\"width\":600,\"height\":600,\"caption\":\"The Fund Mentor\"},\"image\":{\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/person\/d52888235fd6563bd07d97185d6a61e4\",\"name\":\"Bruno Gianni\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g\",\"caption\":\"Bruno Gianni\"},\"description\":\"Bruno writes the way he lives, with curiosity, care, and respect for people. 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