Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Brixo Privatlån
What sets them apart
| Compare |  AvaFin |  Brixo Privatlån |
|---|---|---|
| APR | 7.85% to 52.94%Lower | 19.95% |
| Loan amount | €100 to €20,000 | SEK 10,000 to SEK 200,000 |
| Term | 3 to 84 months | 36 to 90 monthsHigher |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | 475 SEK setup fee plus 25 SEK monthly administration fee |
| Funding time | Money sent within 15 minutes of approval, same day | Same day the application is approved, by Swish or bank transfer, at latest the next banking day |
| 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% | Example loan 100 000 SEK repaid with 2 185 SEK per month over 90 months, effective annual rate 22.6 %, total cost 96 650 SEK, total to repay 196 650 SEK |
| Rate type | Fixed | Variable |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | Over 21 years old, annual income of at least 200 000 SEK, Swedish bank account and BankID, registered in Sweden, no current debt enforcement debts (payment remarks accepted) |
| Loan types | Personal, Debt consolidation, Credit lineCovers more | Personal, Debt consolidation |
| Origination fee (%) | 9.99% | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Brixo Privatlån scores higher overall: 9.0 vs 8.9.
- Founded is lower at AvaFin: 2012 vs 2014.
- AvaFin is licensed in 1 more country.
- AvaFin is available in 4 more countries.
- APR is lower at AvaFin: 7.85% to 52.94% vs 19.95%.
- Term is higher at Brixo Privatlån: 36 to 90 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.
Brixo Privatlån
Brixo Privatlån suits Swedish adults with a steady income who want a straightforward personal loan for home improvement, with money often landing the same day it is approved. The cost of that speed is real: an APR of 19.95% on a variable rate sits well above many personal loans here.
Score breakdown
| Area | AvaFin | Brixo Privatlån |
|---|---|---|
| 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. | 8.8APR of 19.95% plus 475 SEK setup fee plus 25 SEK monthly administration fee on a variable rate leaves the repayment heavy. |
| Offer | 8.9 | 9.4Higher |
| Trust | 8.9 | 8.9 |
Which one suits you
Pick AvaFin if apr and loan types matter most.
Pick Brixo Privatlån if offer and term matter most.
From lowest to highest
| Fact | AvaFin | Brixo Privatlån |
|---|---|---|
| Term | 3 to 84 months | 36 to 90 months |
How they place
| Ranking | AvaFin | Brixo Privatlån |
|---|---|---|
| Personal loans | 771 of 1920 | 683 of 1920 |
| Debt consolidation loans | 263 of 425 | 233 of 425 |
| Home improvement loans | 345 of 562 | 307 of 562 |
Every fact side by side
| Fact | AvaFin | Brixo Privatlån |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | AvaFin Holding LTD | Brixo AB (org.nr. 556978-9273) |
| Headquarters | Cyprus | Sweden |
| Founded | 2012Lower | 2014 |
| Support channels | Email, Phone, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AvaFin | Brixo Privatlån | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 19.95%highest quarter | 8.99 |
| Term | 3 to 84 monthsabove the median | 36 to 90 monthsabove the median | 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.
Brixo Privatlån
Pros
- Same day funding once an application is approved, by Swish or bank transfer, and free early repayment on the loan.
- Borrowing runs SEK 10,000 to SEK 200,000 over a term of 36 to 90, with personal and debt consolidation loans listed.
- A hard credit check and a fair credit profile are what the lender asks for, so approval is decided on a real credit file.
Cons
- An APR of 19.95% on a variable rate is high next to cheaper personal loans on the site.
- A setup fee plus a monthly administration fee in 475 SEK setup fee plus 25 SEK monthly administration fee adds a fixed cost on top of the interest.
- The minimum term of 36 to 90 rules out short borrowing, so extra interest compounds for longer.
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.
Brixo Privatlån
Who it suits
- Adults registered in Sweden with a Swedish bank account and BankID, and a high enough annual income for the lender's criteria
- Borrowers who already have payment remarks but no current debt enforcement debts, and want that treated as workable
- People planning a home improvement project who value same day funding and free early repayment over the lowest rate
Who should look elsewhere
- Anyone hunting for the cheapest borrowing, since 19.95% is well above the site median of 12%
- Borrowers who need a fixed rate, because this loan runs on a variable rate
- Anyone who cannot meet the income requirement, or who needs a loan below SEK 10,000 to SEK 200,000
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 | Brixo Privatlån |
|---|---|---|
| Czechia | Yes | No |
| Latvia | Yes | No |
| Mexico | Yes | No |
| 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.
Brixo Privatlån
What rate do I pay on a Brixo personal loan?+
The stated rate is an APR of 19.95%, and the interest rate is variable, so it can move. The representative example shows a higher effective annual rate than the headline figure once the schedule of repayments is taken into account.
What fees sit on top of the interest?+
There is a setup fee and a monthly administration fee, together listed as 475 SEK setup fee plus 25 SEK monthly administration fee. On a short loan those fixed charges weigh heavily, so ask for the total cost before you sign.
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