Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs AXO Finans
What sets them apart
| Compare |  AvaFin |  AXO Finans |
|---|---|---|
| APR | 7.85% to 52.94% | 4.59% to 57.26%Lower |
| Loan amount | €100 to €20,000 | SEK 5,000 to SEK 800,000 |
| Term | 3 to 84 months | 12 to 180 monthsHigher |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | 0-495 SEK arrangement fee (invoice fee 0-50 SEK) |
| Funding time | Money sent within 15 minutes of approval, same day | Same day: paid directly to your account by the lender after BankID signing |
| Representative example | Consumer loan of 4,500 EUR over 48 months, monthly payment 132.85 EUR, total repayable 6,376 EUR, GPL (APR) 19.91% | Privatlån 150 000 SEK over 120 months at variable nominal 6.95% (effective 7.18%): 1 738 SEK/month, 208 532 SEK total, no arrangement fee |
| Rate type | Fixed | Variable |
| Lender type | Direct lender | Broker |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | Lenders set their own age minimum, require registration as resident in Sweden and stable income from work, pension or benefit |
| Loan types | Personal, Debt consolidation, Credit lineCovers more | Personal, Debt consolidation |
| Origination fee (%) | 9.99% | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- AXO Finans scores higher overall: 9.0 vs 8.9.
- Founded is lower at AXO Finans: 2008 vs 2012.
- AvaFin is licensed in 1 more country.
- AvaFin is available in 3 more countries.
- APR is lower at AXO Finans: 4.59% to 57.26% vs 7.85% to 52.94%.
- Term is higher at AXO Finans: 12 to 180 months vs 3 to 84 months.
- Support channels: only AvaFin offers Chat.
- Features: only AvaFin offers Credit line.
- Loan types: only AvaFin offers Credit line.
Our verdict on each
AvaFin
AvaFin lends directly, so what you apply for is what you sign: an APR of 7.85% to 52.94% on loans of €100 to €20,000. It suits Czech or Slovak residents who want personal, debt consolidation or home improvement money in a hurry, and can repay early without a charge.
AXO Finans
A Swedish broker for borrowers who want a personal loan or debt consolidation without choosing a lender first. AXO Finans passes the application to several lenders, and money can sit in your account the same day, with loan amounts of SEK 5,000 to SEK 800,000 available from the panel.
Score breakdown
| Area | AvaFin | AXO Finans |
|---|---|---|
| Cost | 8.8The 7.85% to 52.94% range tops out above the 12%, and the 9.99% of the loan amount (contract formation fee) adds to the interest. | 9.3Higher |
| Offer | 8.9 | 9.1HigherFees of 0-495 SEK arrangement fee (invoice fee 0-50 SEK) and an APR of 4.59% to 57.26% on a variable rate keep the offer mid-range. |
| Trust | 8.9Higher | 8.6 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
AvaFin
1,256.2 to 10,138.62
1,256.2 to 10,138.62
AXO Finans
723.38 to 11,122.22
723.38 to 11,122.22
AXO Finans comes out 532.82 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Pick AvaFin if, pick AXO Finans if
Pick AvaFin if trust and loan types matter most.
Pick AXO Finans if cost, apr, and term matter most.
Positions in our rankings
| Ranking | AvaFin | AXO Finans |
|---|---|---|
| Personal loans | 771 of 1920 | 661 of 1920 |
| Debt consolidation loans | 263 of 425 | 224 of 425 |
| Home improvement loans | 345 of 562 | 296 of 562 |
Availability and regulation
| Country | AvaFin | AXO Finans |
|---|---|---|
| Czechia | Not confirmed | |
| Latvia | Not confirmed | |
| Sweden | Not confirmed |
Additional countries for AvaFin: 5. Additional countries for AXO Finans: 2.
Every fact side by side
| Fact | AvaFin | AXO Finans |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | AvaFin Holding LTD | Axo Finans AB |
| Headquarters | Cyprus | Sweden |
| Founded | 2012 | 2008Lower |
| Support channels | Email, Phone, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AvaFin | AXO Finans | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 4.59% to 57.26%below the median | 8.99 |
| Term | 3 to 84 monthsabove the median | 12 to 180 monthshighest quarter | 60 |
| Origination fee (%) | 9.99%highest quarter | Not confirmed | 0.25% |
Median across 1152 listed lenders.
Pros and cons
AvaFin
Pros
- You borrow from the lender itself rather than a broker, so direct lender keeps the chain short.
- Free early repayment is part of the deal, so settling ahead of schedule costs nothing extra.
- Speed is the strong point: Money sent within 15 minutes of approval, same day.
Cons
- The credit check is hard, so a rejection can leave a search on your file.
- You pay 9.99% of the loan amount (contract formation fee) when the contract is formed, on top of the interest.
- Eligibility is narrow: Czech or Slovak citizenship, a Czech phone number and a bank account.
AXO Finans
Pros
- Money can arrive the same day, paid directly into your account after you sign with BankID.
- Early repayment is free, so clearing the balance ahead of schedule adds no fee.
- It is a broker rather than a lender, so offers come from several lenders on the panel.
Cons
- The credit check is hard, so every application is judged on the full credit file.
- The rate type is variable, so the cost of the loan can move during the term.
- An arrangement fee sits at the top of fees of 0-495 SEK arrangement fee (invoice fee 0-50 SEK), so a loan here is not always fee free.
Who each suits
AvaFin
Who it suits
- Czech or Slovak citizens with a Czech phone number and a bank account who can pass a hard credit check.
- Borrowers folding several balances into a single €100 to €20,000 repayment at a fixed rate.
- Anyone working to a date, because money moves Money sent within 15 minutes of approval, same day.
Who should look elsewhere
- Monzo Flex, if rate is the priority: 10% to 23% sits under AvaFin at the top end.
- Cashspace, which quotes PHP 12 to PHP 36 in a different currency and belongs to a different market.
- Borrowers wanting a soft prequalification, since the check listed here is hard.
AXO Finans
Who it suits
- Borrowers registered as residents in Sweden with a stable income from work, a pension or a benefit.
- Anyone after a personal loan or debt consolidation, including home improvement borrowing.
- People who want the money in their own account the same day and can sign with BankID.
Who should look elsewhere
- Monzo Flex, whose APR of 10% to 23% covers a narrower band than 4.59% to 57.26% here.
- Cashspace, whose listed APR of PHP 12 to PHP 36 is quoted in another currency and a different range.
Current offers
AvaFin
Current offer
Discount code
Special offer for new clients: simple loan with no hidden fees (1-1-1), newly lower price: 1 CZK per day for each 1,000 CZK drawn
New customers; consumer loan (spotřebitelský úvěr) as revolving credit line; max first-loan amount 50,000 CZK
Source, checked September 26, 2026
Country by country
| Country | AvaFin | AXO Finans |
|---|---|---|
| Czechia | Yes | No |
| Latvia | Yes | No |
| Mexico | Yes | No |
| Norway | No | Yes |
| Poland | Yes | No |
| Spain | Yes | No |
| Sweden | No | Yes |
Questions about each
AvaFin
What fees will I pay?+
AvaFin charges a contract formation fee on top of the interest, listed as 9.99% of the loan amount (contract formation fee). The rate itself is fixed at 7.85% to 52.94%, so payments do not drift across the term. Treat the fee as part of the true cost and compare the total repayable in the representative example with cheaper looking rivals.
How much can I borrow and over what term?+
Loans run €100 to €20,000 and terms run 3 to 84, which covers short repayments and longer ones for a bigger purchase. The loan types are personal, debt consolidation and credit line, so a consolidation loan and a home improvement loan sit under the same ceiling.
AXO Finans
What fees does AXO Finans charge?+
A loan arranged through AXO Finans carries fees of 0-495 SEK arrangement fee (invoice fee 0-50 SEK), depending on which lender you are matched with. The representative example on the personal loan page shows a loan with no arrangement fee, so the fee is a lender choice rather than a flat brand charge. Get the fee in writing from the lender before you sign.
What rate will I pay?+
The APR depends on the lender and on your own profile, and the range shown is 4.59% to 57.26%. The rate type is variable, so the interest is not locked for the whole term. Lenders set their own pricing, so the number you are offered can sit anywhere inside that range.
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