Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin Poland vs Buyway BE
Where AvaFin Poland and Buyway BE differ
| Compare |  AvaFin Poland |  Buyway BE |
|---|---|---|
| APR | 298.92% | 7.49%Lower |
| Loan amount | up to PLN 15,000 | €5,000 to €10,001 |
| Term | 30 months | 12 to 57 monthsHigher |
| Funding time | Money on your account in as little as 5 minutes from submitting the application | Within 2 business days of the request, money arrives in the customer's bank account |
| 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) | Personal loan (pret a temperament) of 10,001.00 EUR over 57 months at 7.49% APR (fixed debtor rate): 57 monthly payments of 207.88 EUR, total 11,849.16 EUR |
| Rate type | Variable | Fixed |
| Loan types | Payday, Personal | Credit line, Personal |
| Arrangement fee | 108.20 PLN commission (prowizja) on a 1000 PLN 30-day loan; 1.00 PLN registration fee refunded to borrower | Not confirmed |
| Credit check | Hard | Not confirmed |
| 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 | Not confirmed |
| Origination fee (%) | 10.82% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Buyway BE scores higher overall: 9.3 vs 8.9.
- APR is lower at Buyway BE: 7.49% vs 298.92%.
- Term is higher at Buyway BE: 12 to 57 months vs 30 months.
- Support channels: only AvaFin Poland offers Email.
- Support channels: only Buyway BE offers Chat.
- Features: only AvaFin Poland offers Same day funding.
- Features: only Buyway BE offers Credit line.
- Loan types: only AvaFin Poland offers Payday.
- Loan types: only Buyway BE offers Credit line.
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.
Buyway BE
Buyway BE suits Belgian adults planning a home improvement who want a fixed rate and a revolving credit line alongside a personal loan. Its APR of 7.49% sits below the site median of 12%, and it is supervised by the FSMA in Belgium.
Score breakdown
| Area | AvaFin Poland | Buyway BE |
|---|---|---|
| Cost | 8.1APR of 298.92% and commission of 10.82% sit far above the 12% site median. | 9.2HigherPersonal loan at an APR of 7.49% on amounts of €5,000 to €10,001, with 12 to 57 to repay and a fixed rate. |
| 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 | 9.2 | 9.2 |
Availability and regulation
| Country | AvaFin Poland | Buyway BE |
|---|---|---|
| Belgium | Not confirmed | |
| Poland | Not confirmed |
Additional countries for AvaFin Poland: 1. Additional countries for Buyway BE: 1.
Where they rank in our lists
| Ranking | AvaFin Poland | Buyway BE |
|---|---|---|
| Personal loans | 112 of 1920 | 327 of 1920 |
Side by side, item by item
| Loan types | AvaFin Poland | Buyway BE |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Credit line | No | Yes |
Every fact side by side
| Fact | AvaFin Poland | Buyway BE |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | AvaFin Poland sp. z o.o. | BUY WAY PERSONAL FINANCE SA |
| Headquarters | Poland | Belgium |
| Support channels | Phone, Email, Help centre | Chat, Help centre, Phone |
Where each stands against the rest
| Fact | AvaFin Poland | Buyway BE | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | 7.49%below the median | 8.99% |
| Term | 30 monthsbelow the median | 12 to 57 monthsbelow 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
Buyway BE
Pros
- APR of 7.49% is below the site median of 12%
- Lends directly as direct lender, with a fixed rate on credit line and personal
- Offers a credit line as well as a personal loan, per credit line and personal
Cons
- Borrowing starts at a high €5,000 to €10,001, which excludes small loans
- Support runs on chat, help centre and phone only, so questions are handled remotely
- The rate is fixed, so fixed rate loans do not benefit from falling market rates
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
Buyway BE
Who it suits
- Belgian adults planning a renovation
- Borrowers who want one fixed rate for the whole term
- People who may want a credit line as well as a lump sum
Who should look elsewhere
- Borrowers who need a small amount below the €5,000 to €10,001 floor
- Readers wanting a variable rate, since the model here is fixed rate
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 | Buyway BE |
|---|---|---|
| Belgium | No | Yes |
| Poland | Yes | No |
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.
Buyway BE
What rate does Buyway BE charge?+
Its personal loan runs at an APR of 7.49% on a fixed rate, so the cost of borrowing stays the same across the term. That sits below the site median of 12% for loans on file.
How much can I borrow and for how long?+
Personal loans run in amounts of €5,000 to €10,001 with terms of 12 to 57. The figure is a high floor for a personal loan, which suits a planned renovation rather than a small purchase.
Other options to compare
Other matchups
- AvaFin Poland vs Credius
- AvaFin Poland vs Giromatch
- AvaFin Poland vs Kredit.de
- AvaFin Poland vs Amanahkredit MY
- AvaFin Poland vs Abhi
- AvaFin Poland vs Cofidis FR
- AvaFin Poland vs Lendo.no
- AvaFin Poland vs Finteres
- AvaFin Poland vs Fidea MX
- AvaFin Poland vs AXI Card Tarjeta y Credito
- AvaFin Poland vs Rahalaitos