Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin Poland vs Giromatch
AvaFin Poland vs Giromatch: the differences
| Compare |  AvaFin Poland |  Giromatch |
|---|---|---|
| APR | 298.92% | 4.62%Lower |
| Loan amount | up to PLN 15,000 | €100 to €100,000 |
| Term | 30 months | 1 to 120 monthsHigher |
| Arrangement fee | 108.20 PLN commission (prowizja) on a 1000 PLN 30-day loan; 1.00 PLN registration fee refunded to borrower | One-off provision of 1.25% of the net loan amount |
| Credit check | Hard | Soft prequal |
| Funding time | Money on your account in as little as 5 minutes from submitting the application | Same-day payout on business days if applied before 16:00; instant payout within 24 hours on request |
| 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) | Effective annual rate 4.62%, nominal rate 3.90% p.a., net loan amount EUR 10,000, term 4 years, one-off provision 1.25% of net loan amount, monthly rate EUR 228.15, total cost EUR 10,951.07 |
| Rate type | Variable | Fixed |
| 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 | 18 years or older, euro bank account (SEPA), minimum EUR 500 net income per month |
| Origination fee (%) | 10.82% | 1.25%Lower |
| Loan types | Payday, Personal | Personal, Payday, Debt consolidation, Credit line, StudentCovers more |
| 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 8.7.
- Giromatch is available in 2 more countries.
- APR is lower at Giromatch: 4.62% vs 298.92%.
- Origination fee (%) is lower at Giromatch: 1.25% vs 10.82%.
- Term is higher at Giromatch: 1 to 120 months vs 30 months.
- Features: only Giromatch offers Credit line.
- Loan types: only Giromatch offers Debt consolidation, Credit line, Student.
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.
Giromatch
Giromatch is a German broker whose fixed-rate loans start at an APR of 4.62%, with terms from 1 to 120 and free early repayment. It suits adults with a euro bank account and a minimum monthly net income who want a soft prequalification and a payout into the account on the same day.
Score breakdown
| Area | AvaFin Poland | Giromatch |
|---|---|---|
| Cost | 8.1APR of 298.92% and commission of 10.82% sit far above the 12% site median. | 9.1HigherLow APR of 4.62%, offset by a one-off provision of 1.25% on personal and consolidation loans. |
| Offer | 9.4HigherLoan sizes reach up to PLN 15,000 over a 30 term, plus same-day funding and a hard credit check. | 8.6 |
| Trust | 9.2Higher | 8.4 |
Availability and regulation
| Country | AvaFin Poland | Giromatch |
|---|---|---|
| Germany | Not confirmed | |
| Poland | Not confirmed |
Additional countries for AvaFin Poland: 1. Additional countries for Giromatch: 3.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 298.92% for AvaFin Poland and 4.62% for Giromatch.
Prestamiau ES reviewHow they place
| Ranking | AvaFin Poland | Giromatch |
|---|---|---|
| Personal loans | 112 of 1920 | 976 of 1920 |
| Payday and short-term loans | 40 of 247 | 198 of 247 |
Every fact side by side
| Fact | AvaFin Poland | Giromatch |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | AvaFin Poland sp. z o.o. | GIROMATCH GmbH |
| Headquarters | Poland | Germany |
| Founded | Not confirmed | 2014 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AvaFin Poland | Giromatch | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | 4.62%below the median | 8.99% |
| Term | 30 monthsbelow the median | 1 to 120 monthshighest quarter | 60 months |
| Origination fee (%) | 10.82%highest quarter | 1.25%above 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
Giromatch
Pros
- The credit check is a soft prequalification, so the first look at a file is lighter than a hard check.
- Free early repayment, so clearing the balance ahead of schedule adds nothing to the bill.
- Support runs on email, phone and help centre, so phone and email are both open.
Cons
- A one-off provision of 1.25% of the net amount comes on top, so the low rate is not the whole cost.
- The check is a soft prequalification (soft prequal), so a fuller assessment can still follow before money moves.
- Giromatch is a broker (broker), so the rate is set by the lender it pairs you with rather than by Giromatch.
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
Giromatch
Who it suits
- Adults with a euro bank account and a minimum net income each month, which is the eligibility baseline.
- Borrowers with a thin credit file, since the credit needed is poor (poor) and the check is soft.
- People who want fixed-rate borrowing across personal, payday, consolidation, credit line and student loans (personal, payday and debt consolidation).
Who should look elsewhere
- Anyone after a free rate: Cashspace ES lists 0%.
- Borrowers weighing a wider rate range: Monzo Flex quotes 10% to 23%.
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 | Giromatch |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Poland | Yes | No |
| Switzerland | 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.
Giromatch
What rate do I pay on a Giromatch loan?+
The rate is an APR of 4.62% and the rate type is fixed, so the figure does not move with the market. Terms run 1 to 120, which lets you spread the same rate over a longer or shorter repayment. It sits well under the 12% median across the loans on our data.
What fees does Giromatch charge?+
One arrangement cost stands out, a one-off provision of 1.25% of the net amount on personal and consolidation loans (personal, payday and debt consolidation). It is charged once at the start rather than monthly, and early repayment is free, so clearing the balance early adds nothing.
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