Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs BBVA TDC
What sets them apart
| Compare |  AvaFin |  BBVA TDC |
|---|---|---|
| APR | 7.85% to 52.94%Lower | 25.75% to 39.95% |
| Loan amount | €100 to €20,000 | MX$3,000 to MX$1,500,000 |
| Term | 3 to 84 monthsHigher | 6 to 72 months |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | 2.75% + IVA of the credit amount, charged once at origination |
| 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% | Prestamo Personal Inmediato: CAT promedio ponderado 36.1% sin IVA informativo; fixed annual interest rate 25.75% to 39.95% without VAT |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | BBVA customer (deposit account or credit card), age 18-84, age plus term not more than 84 years and 364 days, good credit history, valid pre-approved offer |
| Origination fee (%) | 9.99% | 2.75%Lower |
| Loan types | Personal, Debt consolidation, Credit lineCovers more | Personal |
| Funding time | Money sent within 15 minutes of approval, same day | Not confirmed |
| Credit needed | Not confirmed | Good |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- BBVA TDC scores higher overall: 9.1 vs 8.9.
- Founded is lower at BBVA TDC: 1932 vs 2012.
- AvaFin is available in 4 more countries.
- APR is lower at AvaFin: 7.85% to 52.94% vs 25.75% to 39.95%.
- Origination fee (%) is lower at BBVA TDC: 2.75% vs 9.99%.
- Term is higher at AvaFin: 3 to 84 months vs 6 to 72 months.
- Support channels: only AvaFin offers Chat.
- Loan types: only AvaFin offers Debt consolidation, 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.
BBVA TDC
BBVA TDC lends directly to existing customers in Mexico, so the way in runs through a deposit account or credit card you already hold. Costs sit at the wide end though, with interest of 25.75% to 39.95% and an origination charge of 2.75% on top.
Score breakdown
| Area | AvaFin | BBVA TDC |
|---|---|---|
| Cost | 8.8HigherThe 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. | 8.7Fixed annual interest rate 25.75% to 39.95%, plus an origination fee of 2.75% plus IVA charged once at origination. |
| Offer | 8.9 | 8.9 |
| Trust | 8.9 | 9.6Higher |
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
BBVA TDC
4,456.72 to 7,309.15
4,456.72 to 7,309.15
AvaFin comes out 3,200.52 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.
From lowest to highest
| Fact | AvaFin | BBVA TDC |
|---|---|---|
| APR | 7.85% to 52.94% | 25.75% to 39.95% |
| Term | 3 to 84 months | 6 to 72 months |
Availability and regulation
| Country | AvaFin | BBVA TDC |
|---|---|---|
| Czechia | Not confirmed | |
| Latvia | Not confirmed |
Available in 1 country for both. Additional countries for AvaFin: 4.
How they place
| Ranking | AvaFin | BBVA TDC |
|---|---|---|
| Personal loans | 771 of 1920 | 528 of 1920 |
Every fact side by side
| Fact | AvaFin | BBVA TDC |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | BBVA Mexico, S.A., Institucion de Banca Multiple, Grupo Financiero BBVA Mexico |
| Headquarters | Cyprus | Mexico |
| Founded | 2012 | 1932Lower |
| Support channels | Email, Phone, Chat, Help centreCovers more | Help centre, Phone, Email |
Where each stands against the rest
| Fact | AvaFin | BBVA TDC | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 25.75% to 39.95%highest quarter | 8.99 |
| Term | 3 to 84 monthsabove the median | 6 to 72 monthsabove the median | 60 |
| Origination fee (%) | 9.99%highest quarter | 2.75%highest quarter | 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.
BBVA TDC
Pros
- Fixed annual interest rate of 25.75% to 39.95% that does not reset
- Free early repayment, so settling early costs nothing extra
- Loans of MXN 3,000 to MXN 1,500,000 over terms of 6 to 72
Cons
- Interest of 25.75% to 39.95% sits well above the site median of 12%
- An arrangement fee of 2.75% plus IVA of the credit amount is charged once at origination
- A hard credit check, and the credit needed is good
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.
BBVA TDC
Who it suits
- Adults with a BBVA Mexico deposit account or credit card
- Borrowers with good credit history and a valid pre-approved offer
- Anyone comfortable with a fixed rate and paying a fee up front
Who should look elsewhere
- Monzo Flex, where interest runs at 10% to 23% for customers who can access it
- Cashspace, listed at PHP 12 to PHP 36
- Applicants without a good credit history or a pre-approved offer
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
BBVA TDC
Current offer
Discount code
Auto nuevo sin comision por apertura (new car, 0% opening commission): 0% comision por contratacion
Home page states it applies during this promo month for any car brand, via BBVA auto loan
Source, checked September 26, 2026
Country by country
| Country | AvaFin | BBVA TDC |
|---|---|---|
| Czechia | Yes | No |
| Latvia | Yes | No |
| Poland | Yes | No |
| Spain | Yes | No |
| Mexico | Yes | 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.
BBVA TDC
What rate will I pay on a BBVA TDC personal loan?+
The fixed annual interest rate is 25.75% to 39.95%, so the rate is set when the loan is agreed and does not move afterwards. The published representative example for Prestamo Personal Inmediato pairs a weighted average CAT with the same band, without VAT. Compare that against the site median of 12% for personal loans.
What does the arrangement fee cost?+
An arrangement fee of 2.75% plus IVA of the credit amount is charged once, at origination. It is a one-off rather than a recurring cost, so it adds to the first payment rather than every instalment. Borrowers should add it to their total repayment when weighing affordability.
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