Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin Poland vs Brixo Privatlån
Where AvaFin Poland and Brixo Privatlån differ
| Compare |  AvaFin Poland |  Brixo Privatlån |
|---|---|---|
| APR | 298.92% | 19.95%Lower |
| Loan amount | up to PLN 15,000 | SEK 10,000 to SEK 200,000 |
| Term | 30 months | 36 to 90 monthsHigher |
| Arrangement fee | 108.20 PLN commission (prowizja) on a 1000 PLN 30-day loan; 1.00 PLN registration fee refunded to borrower | 475 SEK setup fee plus 25 SEK monthly administration fee |
| Funding time | Money on your account in as little as 5 minutes from submitting the application | Same day the application is approved, by Swish or bank transfer, at latest the next banking day |
| Representative example | 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) | Example loan 100 000 SEK repaid with 2 185 SEK per month over 90 months, effective annual rate 22.6 %, total cost 96 650 SEK, total to repay 196 650 SEK |
| Eligibility | 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 | Over 21 years old, annual income of at least 200 000 SEK, Swedish bank account and BankID, registered in Sweden, no current debt enforcement debts (payment remarks accepted) |
| Loan types | Payday, Personal | Personal, Debt consolidation |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 10.82% | Not confirmed |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Rate type (Variable), Lender type (Direct lender).
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Key differences
- Brixo Privatlån scores higher overall: 9.0 vs 8.9.
- APR is lower at Brixo Privatlån: 19.95% vs 298.92%.
- Term is higher at Brixo Privatlån: 36 to 90 months vs 30 months.
- Loan types: only AvaFin Poland offers Payday.
- Loan types: only Brixo Privatlån offers Debt consolidation.
Our verdict on each
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.
Brixo Privatlån
Brixo Privatlån suits Swedish adults with a steady income who want a straightforward personal loan for home improvement, with money often landing the same day it is approved. The cost of that speed is real: an APR of 19.95% on a variable rate sits well above many personal loans here.
Score breakdown
| Area | AvaFin Poland | Brixo Privatlån |
|---|---|---|
| Cost | 8.1APR of 298.92% and commission of 10.82% sit far above the 12% site median. | 8.8HigherAPR of 19.95% plus 475 SEK setup fee plus 25 SEK monthly administration fee on a variable rate leaves the repayment heavy. |
| Offer | 9.4Loan sizes reach up to PLN 15,000 over a 30 term, plus same-day funding and a hard credit check. | 9.4 |
| Trust | 9.2Higher | 8.9 |
Availability and regulation
| Country | AvaFin Poland | Brixo Privatlån |
|---|---|---|
| Poland | Not confirmed | |
| Sweden | Not confirmed |
Additional countries for AvaFin Poland: 1. Additional countries for Brixo Privatlån: 1.
Where they rank in our lists
| Ranking | AvaFin Poland | Brixo Privatlån |
|---|---|---|
| Personal loans | 112 of 1920 | 683 of 1920 |
Sources behind this comparison
AvaFin Poland
- avafin.pl: 16 facts, checked September 26, 2026
Brixo Privatlån
- brixo.se: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | AvaFin Poland | Brixo Privatlån |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | AvaFin Poland sp. z o.o. | Brixo AB (org.nr. 556978-9273) |
| Headquarters | Poland | Sweden |
| Founded | Not confirmed | 2014 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AvaFin Poland | Brixo Privatlån | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | 19.95%highest quarter | 8.99% |
| Term | 30 monthsbelow the median | 36 to 90 monthsabove the median | 60 months |
| Origination fee (%) | 10.82%highest quarter | Not confirmed | 0.25% |
Median across 1152 listed lenders.
Pros and cons
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
Brixo Privatlån
Pros
- Same day funding once an application is approved, by Swish or bank transfer, and free early repayment on the loan.
- Borrowing runs SEK 10,000 to SEK 200,000 over a term of 36 to 90, with personal and debt consolidation loans listed.
- A hard credit check and a fair credit profile are what the lender asks for, so approval is decided on a real credit file.
Cons
- An APR of 19.95% on a variable rate is high next to cheaper personal loans on the site.
- A setup fee plus a monthly administration fee in 475 SEK setup fee plus 25 SEK monthly administration fee adds a fixed cost on top of the interest.
- The minimum term of 36 to 90 rules out short borrowing, so extra interest compounds for longer.
Who each suits
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
Brixo Privatlån
Who it suits
- Adults registered in Sweden with a Swedish bank account and BankID, and a high enough annual income for the lender's criteria
- Borrowers who already have payment remarks but no current debt enforcement debts, and want that treated as workable
- People planning a home improvement project who value same day funding and free early repayment over the lowest rate
Who should look elsewhere
- Anyone hunting for the cheapest borrowing, since 19.95% is well above the site median of 12%
- Borrowers who need a fixed rate, because this loan runs on a variable rate
- Anyone who cannot meet the income requirement, or who needs a loan below SEK 10,000 to SEK 200,000
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 | AvaFin Poland | Brixo Privatlån |
|---|---|---|
| Poland | Yes | No |
| Sweden | No | Yes |
Questions about each
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.
Brixo Privatlån
What rate do I pay on a Brixo personal loan?+
The stated rate is an APR of 19.95%, and the interest rate is variable, so it can move. The representative example shows a higher effective annual rate than the headline figure once the schedule of repayments is taken into account.
What fees sit on top of the interest?+
There is a setup fee and a monthly administration fee, together listed as 475 SEK setup fee plus 25 SEK monthly administration fee. On a short loan those fixed charges weigh heavily, so ask for the total cost before you sign.
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