Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin Poland vs Credius
AvaFin Poland vs Credius: the differences
| Compare |  AvaFin Poland | Credius ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 298.92% | 36.91% to 274.26%Lower |
| Loan amount | up to PLN 15,000 | RON 1,850 to RON 100,000 |
| Term | 30 months | 12 to 60 monthsHigher |
| Arrangement fee | 108.20 PLN commission (prowizja) on a 1000 PLN 30-day loan; 1.00 PLN registration fee refunded to borrower | 500 RON file analysis commission (representative example) |
| Funding time | Money on your account in as little as 5 minutes from submitting the application | About 5 minutes from approval, delivered directly to card |
| 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) | Credit cu buletinul: 5,000 lei over 24 months at 45%/year, 0% monthly administration commission plus 500 lei file analysis commission, 319.59 lei monthly, DAE 75.39%, total payable 8,170.16 lei |
| 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 | Minimum 18 years old, Romanian citizenship and residence in Romania, at least 1 month job tenure, pensioners present pension slip |
| Loan types | Payday, Personal | Personal, Payday, BusinessCovers more |
| Credit check | Hard | Not confirmed |
| Rate type | Variable | Not confirmed |
| 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: Lender type (Direct lender).
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Key differences
- APR is lower at Credius: 36.91% to 274.26% vs 298.92%.
- Term is higher at Credius: 12 to 60 months vs 30 months.
- Support channels: only Credius offers Chat.
- Loan types: only Credius offers Business.
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.
Credius
Credius suits Romanian borrowers who need a straightforward personal loan and can wait for approval before the money lands. Loan amounts run RON 1,850 to RON 100,000 over 12 to 60, with rates at 36.91% to 274.26% on file-analysis lending.
Score breakdown
| Area | AvaFin Poland | Credius |
|---|---|---|
| Cost | 8.1APR of 298.92% and commission of 10.82% sit far above the 12% site median. | 8.7Higher |
| Offer | 9.4HigherLoan sizes reach up to PLN 15,000 over a 30 term, plus same-day funding and a hard credit check. | 9.3 |
| Trust | 9.2Higher | 8.9 |
Positions in our rankings
| Ranking | AvaFin Poland | Credius |
|---|---|---|
| Personal loans | 112 of 1920 | 787 of 1920 |
| Payday and short-term loans | 40 of 247 | 141 of 247 |
Where each is licensed and available
| Country | AvaFin Poland | Credius |
|---|---|---|
| Poland | Not confirmed | |
| Romania | Not confirmed | Banca Nationala a Romaniei (BNR), General Register of non-bank financial institutions RG-PJR-42-110277/01.08.2013 Banca Nationala a Romaniei (BNR), Special Register of non-bank financial institutions RG-PJR-42-110086/16.02.2018 |
Additional countries for AvaFin Poland: 1. Additional countries for Credius: 1.
What each covers
| Loan types | AvaFin Poland | Credius |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Business | No | Yes |
A third option
Sofkredit has apr at 10.74% to 18.06%, against 298.92% for AvaFin Poland and 36.91% to 274.26% for Credius.
Sofkredit reviewEvery fact side by side
| Fact | AvaFin Poland | Credius |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | AvaFin Poland sp. z o.o. | Credius IFN S.A. |
| Headquarters | Poland | Romania |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | AvaFin Poland | Credius | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | 36.91% to 274.26%highest quarter | 8.99% |
| Term | 30 monthsbelow the median | 12 to 60 monthsat 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
Credius
Pros
- Free early repayment means you can clear the balance early without an exit charge from the lender.
- Funding is About 5 minutes from approval, delivered directly to card and the same-day-funding feature is listed, so approved borrowers are not left waiting on transfers.
- Support runs through email, chat and phone, giving borrowers a phone line and a help centre as well as email and chat.
Cons
- Rates of 36.91% to 274.26% are steep for a personal loan, sitting well above the site median of 12%.
- The fee to watch is 500 RON file analysis commission (representative example), charged on the representative example on top of the borrowing rate.
- Applications ask for Romanian citizenship and residence, a minimum age, and a job tenure or a pension slip, which narrows who can qualify.
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
Credius
Who it suits
- Romanian residents with stable income or a pension who need a personal, payday or business loan.
- Borrowers who want to clear the balance early without paying an exit charge for doing so.
- Anyone who values a quick payout after approval more than a low rate.
Who should look elsewhere
- Anyone living outside Romania, since eligibility asks for Romanian citizenship and residence in the country.
- Borrowers with thin files who want a low rate, given fair credit and rates at 36.91% to 274.26%.
- People who want a long repayment period spread thin, since terms run 12 to 60 at 36.91% to 274.26%.
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 | Credius |
|---|---|---|
| Poland | Yes | No |
| Romania | 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.
Credius
What does Credius cost to borrow?+
Rates run 36.91% to 274.26% on file-analysis lending, and amounts run RON 1,850 to RON 100,000. The representative example carries a file analysis commission of 500 RON file analysis commission (representative example), so the up-front fee matters as much as the rate.
How long does a Credius loan take to repay?+
Terms run 12 to 60, a narrower spread than many personal loans offer. The lender serves a single market, so the full range applies to Romanian borrowers only, and a longer term means more months charged at 36.91% to 274.26%.
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