Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs AvaFin Poland
Where Amanahkredit MY and AvaFin Poland differ
| Compare |  Amanahkredit MY |  AvaFin Poland |
|---|---|---|
| APR | 18%Lower | 298.92% |
| Loan amount | MYR 300 to MYR 5,000 | up to PLN 15,000 |
| Term | 2 to 30 months | 30 months |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | 108.20 PLN commission (prowizja) on a 1000 PLN 30-day loan; 1.00 PLN registration fee refunded to borrower |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Money on your account in as little as 5 minutes from submitting the application |
| Rate type | Fixed | Variable |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | Age 19-75; must hold a PESEL number and be permanently registered and resident in Poland; ID document and bank account required; loan not for business or professional activity |
| Loan types | Personal, Payday, Student, BusinessCovers more | Payday, Personal |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | AvaFin loan for a moment: 1000 PLN, 30 days, variable 14.50% p.a. (maximum interest), commission 108.20 PLN, capital interest 11.89 PLN, total loan cost 120.09 PLN, total payable 1120.09 PLN, RRSO 298.92% (as of 05.03.2026) |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 10.82% |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Amanahkredit MY scores higher overall: 9.0 vs 8.9.
- APR is lower at Amanahkredit MY: 18% vs 298.92%.
- Loan types: only Amanahkredit MY offers Student, Business.
Our verdict on each
Amanahkredit MY
Amanahkredit MY is a licensed Malaysian direct lender for small, short personal and payday loans that fund quickly, at an APR of 18%. That sits below the payday ranking median of 36.5%, so it suits borrowers who put payout speed and charge-free early settlement ahead of the lowest price.
AvaFin Poland
AvaFin Poland is a direct lender for adults resident in Poland who need a short 30 cash loan paid out fast. The trade-off is price: an APR of 298.92% sits well above the 12% site median, so speed and simplicity come at a steep cost.
Score breakdown
| Area | Amanahkredit MY | AvaFin Poland |
|---|---|---|
| Cost | 8.9HigherAPR 18% on MYR 300 to MYR 5,000 over 2 to 30, plus an arrangement fee taken upfront from the disbursement amount. | 8.1APR of 298.92% and commission of 10.82% sit far above the 12% site median. |
| Offer | 8.6 | 9.4HigherLoan sizes reach up to PLN 15,000 over a 30 term, plus same-day funding and a hard credit check. |
| Trust | 9.2 | 9.2 |
Feature by feature
| Loan types | Amanahkredit MY | AvaFin Poland |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Business | Yes | No |
| Student | Yes | No |
Positions in our rankings
| Ranking | Amanahkredit MY | AvaFin Poland |
|---|---|---|
| Personal loans | 656 of 1920 | 112 of 1920 |
| Payday and short-term loans | 121 of 247 | 40 of 247 |
Availability and regulation
| Country | Amanahkredit MY | AvaFin Poland |
|---|---|---|
| Malaysia | Ministry of Housing and Local Government (KPKT), Malaysia WL3468/01/01-11/270127 | Not confirmed |
| Poland | Not confirmed |
Additional countries for Amanahkredit MY: 1. Additional countries for AvaFin Poland: 1.
Pick Amanahkredit MY if, pick AvaFin Poland if
Pick Amanahkredit MY if cost, apr, and loan types matter most.
Pick AvaFin Poland if offer matter most.
If neither fits
Sofkredit has apr at 10.74% to 18.06%, against 18% for Amanahkredit MY and 298.92% for AvaFin Poland.
Sofkredit reviewEvery fact side by side
| Fact | Amanahkredit MY | AvaFin Poland |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | AvaFin Poland sp. z o.o. |
| Headquarters | Malaysia | Poland |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Amanahkredit MY | AvaFin Poland | Median |
|---|---|---|---|
| APR | 18%above the median | 298.92%highest quarter | 8.99% |
| Term | 2 to 30 monthsbelow the median | 30 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 10.82%highest quarter | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Amanahkredit MY
Pros
- Licensed in Malaysia by the Ministry of Housing and Local Government (KPKT) under WL3468/01/01-11/270127.
- Funds go out Within 24 hours of approval, same day if applied before 5 pm, with same-day funding among same day funding.
- Early repayment carries no charge, so a shorter payoff costs nothing extra.
Cons
- An APR of 18% is above the site median of 12% and above Monzo Flex at 10% to 23%.
- Terms run 2 to 30, well short of the site median term of 36.
AvaFin Poland
Pros
- Money can reach the account quickly, with same-day funding listed in same day funding
- Loan sizes reach up to PLN 15,000, well above the €876.96 site median
- Support runs through phone, email and help centre
Cons
- APR of 298.92% compares badly with the 12% site median
- The arrangement fee adds commission of 10.82% on top of the interest
- Applications use a hard credit check
Who each suits
Amanahkredit MY
Who it suits
- Malaysian citizens with a MyKad, stable employment and an active local bank account.
- Applicants who need money the same day and would rather clear a short term than stretch it.
- Borrowers who want to settle early without a charge and prefer dealing with a direct lender.
Who should look elsewhere
- Cost-first borrowers, since 18% sits above the site median of 12% and above Monzo Flex at 10% to 23%.
AvaFin Poland
Who it suits
- Adults living in Poland who need cash the same day
- Borrowers with a PESEL number, ID document and bank account
- People covering a short-term bill who accept a variable rate
Who should look elsewhere
- Anyone wanting a longer repayment at a lower cost, since the term runs 30
- Business borrowing, which the eligibility rules exclude
- Borrowers at the top of the stated age range, since eligibility stops at a maximum age
Current offers
AvaFin Poland
Current offer
Bonus
First AvaFin loan promotional (Pożyczka Promocyjna): First loan repayable without paying or with a reduced preparation fee, commission or capital interest (fee 0 PLN when fully waived)
Only for borrowers who have not had an avafin.pl loan before and pass the credit assessment; promotional terms are lost if the loan is repaid after the due date; promotion runs from 23 March 2020 until revoked
Source, checked September 26, 2026
Country by country
| Country | Amanahkredit MY | AvaFin Poland |
|---|---|---|
| Malaysia | Yes | No |
| Poland | No | Yes |
Questions about each
Amanahkredit MY
What rate does Amanahkredit MY charge?+
The published APR is 18%, and the rate type is fixed, so the cost does not drift during the term. That sits above the site median of 12% but below the payday ranking median of 36.5%, where short-term fixes tend to price out.
How much can I borrow, and over what term?+
Loan amounts run MYR 300 to MYR 5,000 and terms run 2 to 30, with home improvement given as the main use. The listed categories are personal, payday and student. That menu suits a planned bill or a contained repair rather than a large project.
AvaFin Poland
What does a loan from AvaFin Poland cost?+
The listed APR is 298.92%, charged on top of commission. The representative example on a small loan shows the commission, the capital interest and the total cost, so the headline rate is not the whole bill.
What is the arrangement fee and is it refundable?+
The arrangement fee is charged as a commission of 10.82%, taken on top of the interest. The registration fee held inside that charge is refunded to the borrower, but the commission itself is not.
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