Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin Poland vs Kredit.de
Where AvaFin Poland and Kredit.de differ
| Compare |  AvaFin Poland |  Kredit.de |
|---|---|---|
| Loan amount | up to PLN 15,000 | €120,000 |
| Term | 30 months | 12 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 | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Money on your account in as little as 5 minutes from submitting the application | Loan amount usually credited to the account within a few business days |
| 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 personal loan: 12,000 EUR, 6.17% effective annual rate, 56 months, 250.00 EUR monthly rate, total cost 13,756.13 EUR |
| 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 | Minimum age 18, main residence in Germany, German current account, sufficient and secured income |
| Origination fee (%) | 10.82% | 0%Lower |
| Loan types | Payday, Personal | Personal, Car, Debt consolidation, Secured |
| APR | 298.92% | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Kredit.de scores higher overall: 9.0 vs 8.9.
- Origination fee (%) is lower at Kredit.de: 0% vs 10.82%.
- Term is higher at Kredit.de: 12 to 120 months vs 30 months.
- Loan types: only AvaFin Poland offers Payday.
- Loan types: only Kredit.de offers Car, Debt consolidation, Secured.
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.
Kredit.de
Kredit.de is a German credit broker rather than a lender, so it suits adults in Germany holding a German current account who want lender offers compared side by side. Personal loans reach €120,000, and it ranks 27 of 685 brands on loan amount.
Score breakdown
| Area | AvaFin Poland | Kredit.de |
|---|---|---|
| Cost | 8.1APR of 298.92% and commission of 10.82% sit far above the 12% site median. | 9.4HigherArrangement fee 0 EUR on personal loans, product fee €0 on home finance and an initial rate of 3.25% on property. |
| Offer | 9.4Loan sizes reach up to PLN 15,000 over a 30 term, plus same-day funding and a hard credit check. | 9.5Higher |
| Trust | 9.2Higher | 8.3 |
Where they rank in our lists
| Ranking | AvaFin Poland | Kredit.de |
|---|---|---|
| Personal loans | 112 of 1920 | 699 of 1920 |
Where each is licensed and available
| Country | AvaFin Poland | Kredit.de |
|---|---|---|
| Germany | Not confirmed | |
| Poland | Not confirmed |
Additional countries for AvaFin Poland: 1. Additional countries for Kredit.de: 1.
Sources behind this comparison
AvaFin Poland
- avafin.pl: 16 facts, checked September 26, 2026
Kredit.de
- kredit.de: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | AvaFin Poland | Kredit.de |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | AvaFin Poland sp. z o.o. | KREDIT.DE AG |
| Headquarters | Poland | Germany |
| Founded | Not confirmed | 2017 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | AvaFin Poland | Kredit.de |
|---|---|---|
| Initial rate | Not confirmed | 3.25% |
| Fixed period | Not confirmed | 10 to 40 years |
| Maximum loan to value | Not confirmed | 110% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | AvaFin Poland | Kredit.de | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | Not confirmed | 8.99% |
| Term | 30 monthsbelow the median | 12 to 120 monthshighest 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
Kredit.de
Pros
- The arrangement fee on personal loans is 0 EUR and the product fee on home finance is €0, so there is no upfront charge to weigh up.
- Personal loans reach €120,000 with terms running 12 to 120, well past the €2,500 upper quartile of amounts listed.
- Early repayment is free, as it is for 79.5% of the lenders compared.
Cons
- Kredit.de is a broker, so the rate comes from the partner lender rather than a published price.
- Pricing runs on a fixed model under fixed rate terms, leaving no variable rate option to switch to.
- Support runs on phone, email and help centre only, with no live chat for quick questions.
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
Kredit.de
Who it suits
- Adults living in Germany with a German current account and income they can evidence, since eligibility asks for all of these.
- Borrowers after a car loan, debt consolidation or a secured loan, as personal, car and debt consolidation covers those alongside personal lending.
- Homebuyers and remortgagors wanting a maximum loan to value of 110% on fixed periods of 10 to 40.
Who should look elsewhere
- Monzo Flex, which lends £10,000 to £35,000, belongs to a different currency market than the euro €120,000 range at Kredit.de.
- Cashspace ES, capped at €100 to €5,000, is too small for a larger home project, where Kredit.de covers €120,000.
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 | Kredit.de |
|---|---|---|
| Germany | 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.
Kredit.de
What does Kredit.de charge for arranging a loan?+
Personal loans carry an arrangement fee of 0 EUR, and residential home finance a product fee of €0. A representative example is published for a personal loan, showing the effective annual rate, the monthly instalment and the total cost of borrowing.
How much can I borrow, and for how long?+
Personal loans reach €120,000 with terms running 12 to 120. On property finance the site quotes an initial rate of 3.25% with a maximum loan to value of 110%, above the 90% across these listings, on fixed periods of 10 to 40.
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