Soonly Finance

What Soonly Finance does

Soonly Finance is a Polish consumer finance fintech that operates fully digital short-term and installment lending products targeted at individual Polish borrowers. Founded in 2012 under the Vivus brand, the company is headquartered in Warsaw with approximately 180 employees and serves roughly 3 million customers through three core product brands: Vivigo (short-term online loans up to 9,600 PLN for existing customers), Viviraty (installment loans up to 9,600 PLN repayable over 3 months), and Patento (a pre-salary advance product for salaried employees, launched in 2023). Distribution runs through proprietary websites, mobile applications, telephone sales, and embedded channels such as the mPay payment app.

The company's underlying platform combines proprietary analytical tools for credit risk assessment with automation of the loan sales process to enable express disbursement. Supporting infrastructure includes Google reCAPTCHA-based bot verification and a cookie consent management system. Go-to-market is direct-to-consumer and self-serve, with no physical branch network. Revenue is generated transactionally through interest and commissions on disbursed loans: first loans are offered at 0% RRSO as a customer acquisition tool, while subsequent loans carry a 14.5% annual interest rate and a representative RRSO of 297.33%.

In FY2022, Soonly reported revenue of 371.9 million PLN and net profit of 64.6 million PLN, positioning it as the largest Polish online lender by revenue and the third-largest non-bank lender overall, behind Provident (906.9 million PLN) and Everest Finanse/Bocian (389.6 million PLN). The company became 100% Polish-owned in April 2022 when Ewa Wernerowicz acquired it from the Latvian 4Finance group, severing ties with Russian capital and triggering a rebrand from Vivus Finance to Soonly Finance. In October 2023, Robert Szcześniewski was appointed CEO and the board was expanded from two to six members to prepare the business for entry under KNF (Polish Financial Supervision Authority) supervision. The company is a member of the Związek Przedsiębiorstw Finansowych w Polsce (ZPF) and undergoes annual ethical audits under ZPF Good Practices.

Name

Soonly Finance

Legal name

Soonly Finance spółka z ograniczoną odpowiedzialnością

Website

https://soonly.pl

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

Soonly Finance is a Warsaw-based Polish fintech that operates fully digital consumer lending products — short-term loans, installment loans, and pre-salary advances — serving approximately 3 million Polish retail borrowers through websites, mobile apps, and partner channels.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

akta.pro secondary industries

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI), Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

Keywords

• Online consumer lending
• Short-term loans
• Installment loans
• Pre-salary advances
• Digital lending platform

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Short-term Online Loans: Payday loans up to 9,600 PLN for existing customers, with interest and fees charged on disbursed amounts
2. Installment Loans: Installment loans up to 9,600 PLN repayable over 3 months, with interest and fees
3. Pre-salary Product (Patento): Pre-pension/pre-salary advance product for employees with regular income

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Soonly Finance is a Polish fintech consumer lender that provides short-term online loans (Vivigo up to ~9,600 PLN), installment loans (Viviraty up to ~9,600 PLN over 3 months), and pre-salary advances (Patento) to individual Polish consumers through fully digital, self-serve channels. The company operates a proprietary lending platform with automated underwriting and express disbursement, serving approximately 3 million customers and generating revenue through interest and fees on disbursed loans.

Product overview

Soonly Finance is a Polish fintech company that operates as a consumer finance lender offering digital financial products. The company provides three main products: Vivigo (short-term online loans up to 9,600 PLN), Viviraty (installment loans up to 9,600 PLN over 3 months), and Patento (pre-salary advance for employed individuals). All products are accessible digitally via smartphone or computer, designed to meet modern customers' financial needs quickly and conveniently.

Differentiator

Problem solved

Functional benefit

Products and services

• Vivigo (short-term online loan) Vivigo offers online loans up to 9,000–9,600 PLN targeted at existing/repeat Soonly Finance customers for fast, transparent short-term cash needs. Application is fully digital via Vivigo.pl or mobile, with no branch visit, clear terms and no hidden fees.
• Viviraty (installment loan) Viviraty provides installment loans up to 9,000–9,600 PLN repayable over a 3-month term, with all formalities handled online through an on-site calculator. Designed for Polish consumers who prefer structured repayment over a short fixed term, with no hidden fees.
• Patento (pre-salary advance) Patento offers pre-salary / pre-pension advances for individuals with regular employment income, allowing them to improve financial liquidity or support their household budget without hidden costs. Distributed via Patento.pl as a fully digital self-serve product.

Quantifiable outcome

• Lowest non-performing loan ratio in market, close to banking sector levels
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• mPaycoreChannel Partner/ Reseller/ Distributor · 14 October 2022mPay became the first intermediary to offer Soonly Finance loans in a fully automated sales process. Users of the mPay application gain easy access to additional financing from Soonly Finance through the loan platform integrated in the mPay app.
• Związek Przedsiębiorstw Finansowych w Polsce (ZPF)coreOthersSoonly Finance is a member of the Financial Companies Association in Poland. As a member, the company is obligated to follow the Good Practices principles, undergoes annual ethical audits, and customers can file complaints to the ZPF Ethics Commission.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Klarna: Global BNPL leader increasingly active in Poland offering 0% short-term installment credit at point of sale. Adjacent rather than direct — encroaches on Soonly's short-term consumer credit demand rather than competing on identical products.

Direct peers

• Extraportfel: Polish online consumer lender offering short-term and installment loans via a digital platform. Directly comparable in target customer, ticket size, and D2C self-serve model.
• Aasa Polska: Polish arm of Aasa International (formerly Takto Finanse), offering online installment and short-term loans to Polish consumers. Directly comparable product set and D2C digital channel to Soonly.
• Kredito24 (Kreditech): Polish online lending brand of Kreditech, offering personal short-term and installment loans to Polish consumers. Competes head-to-head with Soonly in the online non-bank segment.
• Provident Polska: Largest non-bank consumer lender in Poland by revenue (906.9M PLN in 2022), part of International Personal Finance. Directly comparable to Soonly as a leading non-bank installment and short-term loan provider in the Polish market.
• NetCredit Polska: Polish operations of online consumer lender NetCredit, providing short-term and installment loans to Polish consumers. Directly comparable D2C short-term installment product.
• Wonga (Polish market): Historic Polish online payday/short-term lender; although it exited the Polish market in 2018, it remains a structural comparator for the online short-term consumer lending category Soonly still operates in.
• Everest Finanse (Bocian): Operates the Bocian brand and was the #2 non-bank lender in Poland by 2022 revenue (389.6M PLN). Directly competes with Soonly in short-term and installment consumer lending.

Broad incumbents

• mBank: Major Polish retail and digital bank offering consumer loans and credit cards. A broad incumbent that competes with Soonly for the same Polish consumer credit demand but with deposit-funded, lower-cost balance sheet.
• PKO Bank Polski: Largest Polish bank by assets, offering a full suite of consumer credit products. Represents the regulated-depository incumbent alternative to non-bank lenders like Soonly for Polish consumers seeking credit.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/soonlyfinance
• LinkedInlinkedin.com/company/soonly

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Soonly Finance