Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin Poland vs Sambla
What sets them apart
| Compare |  AvaFin Poland |  Sambla |
|---|---|---|
| APR | 298.92% | 7.92% to 13.24%Lower |
| Loan amount | up to PLN 15,000 | SEK 5,000 to SEK 800,000 |
| Arrangement fee | 108.20 PLN commission (prowizja) on a 1000 PLN 30-day loan; 1.00 PLN registration fee refunded to borrower | 0 SEK - free to apply and compare, lender pays Sambla |
| Funding time | Money on your account in as little as 5 minutes from submitting the application | Usually 1-3 days from signing to payout |
| 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) | 160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK |
| 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+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK |
| Loan types | Payday, Personal | Personal, Debt consolidation, Car, Secured |
| Term | 30 months | Not confirmed |
| Origination fee (%) | 10.82% | Not confirmed |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Rate type (Variable).
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Key differences
- APR is lower at Sambla: 7.92% to 13.24% vs 298.92%.
- Support channels: only Sambla offers Chat.
- Loan types: only AvaFin Poland offers Payday.
- Loan types: only Sambla offers Debt consolidation, Car, 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.
Sambla
Sambla is a Swedish loan broker that passes one application to several lenders and charges applicants nothing, so the applicant fee is 0 SEK - free to apply and compare, lender pays Sambla. It suits adults with fair credit, and its rates run 7.92% to 13.24% against a site median of 12%.
Score breakdown
| Area | AvaFin Poland | Sambla |
|---|---|---|
| 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. | 9.4The offer covers personal, debt consolidation and car lending from one application, priced at a variable rate. |
| Trust | 9.2Higher | 8.4 |
What each covers
| Loan types | AvaFin Poland | Sambla |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
How they place
| Ranking | AvaFin Poland | Sambla |
|---|---|---|
| Personal loans | 112 of 1920 | 844 of 1920 |
Which one suits you
Pick AvaFin Poland if trust matter most.
Pick Sambla if cost and apr matter most.
A third option
Prestamiau ES has apr at 0% to 36%, against 298.92% for AvaFin Poland and 7.92% to 13.24% for Sambla.
Prestamiau ES reviewEvery fact side by side
| Fact | AvaFin Poland | Sambla |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | AvaFin Poland sp. z o.o. | Sambla Group AB |
| Headquarters | Poland | Sweden |
| Founded | Not confirmed | 2014 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre, ChatCovers more |
Where each stands against the rest
| Fact | AvaFin Poland | Sambla | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | 7.92% to 13.24%below the median | 8.99% |
| Term | 30 monthsbelow the median | Not confirmed | 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
Sambla
Pros
- Applying and comparing costs applicants nothing: 0 SEK - free to apply and compare, lender pays Sambla.
- Timing from signing to payout is Usually 1-3 days from signing to payout.
- Support runs on email, phone and help centre.
Cons
- The credit check is hard and the credit it needs is fair, so a thin file is turned down early.
- Pricing is variable, so a monthly amount set today can move after signing.
- Eligibility is narrow: an applicant must be an adult, resident in Sweden for a period, clear at Kronofogden for a period, and above a minimum monthly income.
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
Sambla
Who it suits
- People with fair credit who want personal, consolidation, car and secured offers side by side.
- Home improvement projects, which Sambla names as a use case: home improvement.
- Anyone who wants to compare lenders first, since comparing is 0 SEK - free to apply and compare, lender pays Sambla.
Who should look elsewhere
- Monzo Flex, whose 10% to 23% ceiling is higher than Sambla's 7.92% to 13.24%.
- Cashspace, whose PHP 12 to PHP 36 is quoted in another currency, if you are not shopping in Sweden.
- Cashspace ES, at 0%, where the listed rate leaves nothing to weigh against Sambla's 7.92% to 13.24%.
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 | Sambla |
|---|---|---|
| Poland | Yes | No |
| Sweden | 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.
Sambla
What does it cost to apply through Sambla?+
Applying and comparing is free, because the fee is 0 SEK - free to apply and compare, lender pays Sambla and the lender pays Sambla. What you repay is the interest on the loan itself, quoted as 7.92% to 13.24% on a variable basis, so the headline figure is a starting point rather than a fixed monthly sum.
Who can apply for a loan through Sambla?+
Applicants must be adults, registered as residents in Sweden for a period, free of Kronofogden entries for a period, and earning above a minimum monthly income. Sambla also lists the credit needed as fair, so a thin credit file is the usual reason an application stalls.
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