Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin Poland vs Finteres
What sets them apart
| Compare |  AvaFin Poland |  Finteres |
|---|---|---|
| APR | 298.92% | 0% to 36%Lower |
| Loan amount | up to PLN 15,000 | €100 to €5,000 |
| Term | 30 monthsHigher | 3 to 4 months |
| Arrangement fee | 108.20 PLN commission (prowizja) on a 1000 PLN 30-day loan; 1.00 PLN registration fee refunded to borrower | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Money on your account in as little as 5 minutes from submitting the application | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| 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) | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Lender type | Direct lender | Broker |
| 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 | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Origination fee (%) | 10.82% | 0%Lower |
| Loan types | Payday, Personal | Personal, Payday, Debt consolidation, CarCovers more |
| Rate type | Variable | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
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Key differences
- AvaFin Poland scores higher overall: 8.9 vs 8.8.
- APR is lower at Finteres: 0% to 36% vs 298.92%.
- Origination fee (%) is lower at Finteres: 0% vs 10.82%.
- Term is higher at AvaFin Poland: 30 months vs 3 to 4 months.
- Loan types: only Finteres offers Debt consolidation, Car.
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.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | AvaFin Poland | Finteres |
|---|---|---|
| Cost | 8.1APR of 298.92% and commission of 10.82% sit far above the 12% site median. | 9.5HigherArrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 9.4HigherLoan sizes reach up to PLN 15,000 over a 30 term, plus same-day funding and a hard credit check. | 8.7 |
| Trust | 9.2Higher | 8.3 |
Where each is licensed and available
| Country | AvaFin Poland | Finteres |
|---|---|---|
| Poland | Not confirmed |
Additional countries for AvaFin Poland: 1. Additional countries for Finteres: 1.
Choosing between them
Pick AvaFin Poland if offer, trust, and term matter most.
Pick Finteres if cost, apr, origination fee (%), and loan types matter most.
Side by side, item by item
| Loan types | AvaFin Poland | Finteres |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
Positions in our rankings
| Ranking | AvaFin Poland | Finteres |
|---|---|---|
| Personal loans | 112 of 1920 | 27 of 1920 |
| Payday and short-term loans | 40 of 247 | 12 of 247 |
Where these facts come from
AvaFin Poland
- avafin.pl: 16 facts, checked September 26, 2026
Finteres
- finteres.es: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | AvaFin Poland | Finteres |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | AvaFin Poland sp. z o.o. | Fininity OÜ |
| Headquarters | Poland | Estonia |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AvaFin Poland | Finteres | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | 0% to 36%lowest quarter | 8.99% |
| Term | 30 monthsbelow the median | 3 to 4 monthslowest quarter | 60 months |
| Origination fee (%) | 10.82%highest quarter | 0%below the median | 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
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
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
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
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
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | AvaFin Poland | Finteres |
|---|---|---|
| Poland | Yes | No |
| Spain | 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.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
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