Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin Poland vs Lendo.no
AvaFin Poland vs Lendo.no: the differences
| Compare |  AvaFin Poland |  Lendo.no |
|---|---|---|
| APR | 298.92% | 9.45% to 17.77%Lower |
| Loan amount | up to PLN 15,000 | NOK 10,000 to NOK 600,000 |
| Term | 30 months | 12 to 180 monthsHigher |
| Arrangement fee | 108.20 PLN commission (prowizja) on a 1000 PLN 30-day loan; 1.00 PLN registration fee refunded to borrower | 0 NOK |
| Funding time | Money on your account in as little as 5 minutes from submitting the application | Bank pays the money out after approval; banks can take up to 24 hours to answer and documentation takes 1-3 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) | 140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK |
| Lender type | Direct lender | Marketplace |
| 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 | Age 18-75; minimum income 120,000 NOK gross per year (not daily pay or stipend); no registered payment remarks or collection cases; own email address and a Norwegian phone number; non-Norwegian citizens need a Norwegian national identity number and at least 3 years of residence in Norway |
| Loan types | Payday, Personal | Personal, Debt consolidation, Credit line, Car, Secured |
| Rate type | Variable | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 10.82% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- APR is lower at Lendo.no: 9.45% to 17.77% vs 298.92%.
- Term is higher at Lendo.no: 12 to 180 months vs 30 months.
- Support channels: only Lendo.no offers Chat.
- Features: only AvaFin Poland offers Same day funding.
- Features: only Lendo.no offers Credit line.
- Loan types: only AvaFin Poland offers Payday.
- Loan types: only Lendo.no offers Debt consolidation, Credit line, 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.
Lendo.no
Lendo is a Norwegian loan marketplace that suits borrowers who would rather see offers from several banks than apply to a single lender. Personal loans run NOK 10,000 to NOK 600,000 at effective rates of 9.45% to 17.77%, with the origination fee at 0 NOK and free early repayment.
Score breakdown
| Area | AvaFin Poland | Lendo.no |
|---|---|---|
| Cost | 8.1APR of 298.92% and commission of 10.82% sit far above the 12% site median. | 9.1Higher |
| Offer | 9.4Loan sizes reach up to PLN 15,000 over a 30 term, plus same-day funding and a hard credit check. | 9.4Marketplace lending spreads offers across banks, with personal loan rates of 9.45% to 17.77% and an origination fee of 0 NOK. |
| Trust | 9.2Higher | 8.4 |
Choosing between them
Pick AvaFin Poland if trust matter most.
Pick Lendo.no if cost, apr, and term matter most.
Side by side, item by item
| Loan types | AvaFin Poland | Lendo.no |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
If neither fits
Prestamiau ES has apr at 0% to 36%, against 298.92% for AvaFin Poland and 9.45% to 17.77% for Lendo.no.
Prestamiau ES reviewHow they place
| Ranking | AvaFin Poland | Lendo.no |
|---|---|---|
| Personal loans | 112 of 1920 | 810 of 1920 |
Every fact side by side
| Fact | AvaFin Poland | Lendo.no |
|---|---|---|
| Features | Same day funding | Credit line |
| Legal entity | AvaFin Poland sp. z o.o. | Lendo AS (org. nr. 997 523 814) |
| Headquarters | Poland | Norway |
| Founded | Not confirmed | 2012 |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | AvaFin Poland | Lendo.no |
|---|---|---|
| Initial rate | Not confirmed | 4.89% to 5.84% |
| APRC | Not confirmed | 5.37% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 90% |
| Product fee | Not confirmed | NOK 0 |
| Purpose | Not confirmed | Remortgage |
Where each stands against the rest
| Fact | AvaFin Poland | Lendo.no | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | 9.45% to 17.77%above the median | 8.99% |
| Term | 30 monthsbelow the median | 12 to 180 monthshighest quarter | 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
Lendo.no
Pros
- As a marketplace it places bank offers behind a single application, spanning personal, debt consolidation, credit line, car and secured loans (personal, debt consolidation and credit line).
- Fees of 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment costs nothing extra.
- Remortgage offers carry an initial rate of 4.89% to 5.84%, an APRC of 5.37% and borrowing up to 90% of property value.
Cons
- Applicants must clear registered payment remarks and collection cases, plus a minimum income, an own email address and a Norwegian phone number.
- Credit checks are hard (hard), so a full search runs rather than a soft prequalification.
- Payout waits on the bank for an answer and a documentation check, so plan for a waiting period.
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
Lendo.no
Who it suits
- Norwegian borrowers with a registered income and a clean payment record who want bank offers side by side.
- People consolidating debts or paying for home improvement, which is a listed use (home improvement).
- Homeowners remortgaging, where offers start at an initial rate of 4.89% to 5.84%.
Who should look elsewhere
- Readers who want a single lender rather than a bank marketplace: Monzo Flex quotes 10% to 23%.
- Borrowers settled on a higher rate profile: Cashspace lists PHP 12 to PHP 36.
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 | Lendo.no |
|---|---|---|
| Norway | 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.
Lendo.no
What fees does Lendo charge?+
The arrangement fees sit at 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment is free. The interest rate comes from the bank that answers your application, with personal loan rates running 9.45% to 17.77%.
Who regulates Lendo?+
Lendo acts as a marketplace, so it introduces you to banks and the lending contract is with the bank, not with Lendo. Its Norwegian licence sits with Finanstilsynet, and consumer loan rates run 9.45% to 17.77%. The published representative example shows what borrowing costs once interest is added to the amount taken.
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