Updated September 28, 2026 · BorrowCue Editorial Team

AvaFin vs Buyway BE

AvaFin scores 8.9 and Buyway BE 9.3 out of 10. Compare their differences and shared features below.

AvaFin

8.9/10

Facts checked September 26, 2026.

Buyway BE

9.3/10

Facts checked September 26, 2026.

AvaFin vs Buyway BE: the differences

AvaFin vs Buyway BE
Compare
AvaFinAvaFin
ReviewSee alternativesSee alternatives
Buyway BEBuyway BE
ReviewSee alternativesSee alternatives
APR7.85% to 52.94%7.49%Lower
Loan amount€100 to €20,000Higher€5,000 to €10,001
Term3 to 84 monthsHigher12 to 57 months
Funding timeMoney sent within 15 minutes of approval, same dayWithin 2 business days of the request, money arrives in the customer's bank account
Representative exampleConsumer loan of 4,500 EUR over 48 months, monthly payment 132.85 EUR, total repayable 6,376 EUR, GPL (APR) 19.91%Personal loan (pret a temperament) of 10,001.00 EUR over 57 months at 7.49% APR (fixed debtor rate): 57 monthly payments of 207.88 EUR, total 11,849.16 EUR
Loan typesPersonal, Debt consolidation, Credit lineCovers moreCredit line, Personal
Arrangement fee9.99% of the loan amount (contract formation fee)Not confirmed
Credit checkHardNot confirmed
Free early repaymentYesNot confirmed
EligibilityIndividuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank accountNot confirmed
Origination fee (%)9.99%Not confirmed

Same on both: Rate type (Fixed), Lender type (Direct lender), Use cases (Home improvement).

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Key differences

  • Buyway BE scores higher overall: 9.3 vs 8.9.
  • AvaFin is licensed in 1 more country.
  • AvaFin is available in 4 more countries.
  • APR is lower at Buyway BE: 7.49% vs 7.85% to 52.94%.
  • Loan amount is higher at AvaFin: €100 to €20,000 vs €5,000 to €10,001.
  • Term is higher at AvaFin: 3 to 84 months vs 12 to 57 months.
  • Support channels: only AvaFin offers Email.
  • Features: only AvaFin offers Same day funding.
  • Loan types: only AvaFin offers Debt consolidation.

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.

Read the full AvaFin review

Buyway BE

Buyway BE suits Belgian adults planning a home improvement who want a fixed rate and a revolving credit line alongside a personal loan. Its APR of 7.49% sits below the site median of 12%, and it is supervised by the FSMA in Belgium.

Read the full Buyway BE review

Score breakdown

AvaFin vs Buyway BE
AreaAvaFinBuyway BE
Cost8.8The 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.9.2HigherPersonal loan at an APR of 7.49% on amounts of €5,000 to €10,001, with 12 to 57 to repay and a fixed rate.
Offer8.99.4Higher
Trust8.99.2Higher

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

Buyway BE

1,196.59

1,196.59

Buyway BE comes out 59.61 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.

Where they rank in our lists

AvaFin vs Buyway BE
RankingAvaFinBuyway BE
Personal loans771 of 1920327 of 1920
Lines of credit191 of 32859 of 328
Home improvement loans345 of 562109 of 562

Choosing between them

Pick AvaFin if loan amount, term, and loan types matter most.

Pick Buyway BE if cost, offer, trust, and apr matter most.

A third option

Deudafix has loan amount at €5,000 to €5,000,000, against €100 to €20,000 for AvaFin and €5,000 to €10,001 for Buyway BE.

Deudafix review

What we checked

AvaFin

  • avafin.lv: 11 facts, checked September 26, 2026
  • avafin.cz: 6 facts, checked September 26, 2026
  • avafin.com: 3 facts, checked September 26, 2026

Buyway BE

  • buyway.be: 14 facts, checked September 26, 2026

Every fact side by side

AvaFin vs Buyway BE
FactAvaFinBuyway BE
Pricing modelFixed rateFixed rate
FeaturesSame day funding, Credit lineCovers moreCredit line
Legal entityAvaFin Holding LTDBUY WAY PERSONAL FINANCE SA
HeadquartersCyprusBelgium
Founded2012Not confirmed
Support channelsEmail, Phone, Chat, Help centreCovers moreChat, Help centre, Phone

Where each stands against the rest

AvaFin vs Buyway BE
FactAvaFinBuyway BEMedian
APR7.85% to 52.94%below the median7.49%below the median8.99
Loan amount€100 to €20,000below the median€5,000 to €10,001below the median€40,000
Term3 to 84 monthsabove the median12 to 57 monthsbelow the median60
Origination fee (%)9.99%highest quarterNot confirmed0.25%

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.

Buyway BE

Pros

  • APR of 7.49% is below the site median of 12%
  • Lends directly as direct lender, with a fixed rate on credit line and personal
  • Offers a credit line as well as a personal loan, per credit line and personal

Cons

  • Borrowing starts at a high €5,000 to €10,001, which excludes small loans
  • Support runs on chat, help centre and phone only, so questions are handled remotely
  • The rate is fixed, so fixed rate loans do not benefit from falling market rates

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.

Buyway BE

Who it suits

  • Belgian adults planning a renovation
  • Borrowers who want one fixed rate for the whole term
  • People who may want a credit line as well as a lump sum

Who should look elsewhere

  • Borrowers who need a small amount below the €5,000 to €10,001 floor
  • Readers wanting a variable rate, since the model here is fixed rate

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

AvaFin vs Buyway BE
CountryAvaFinBuyway BE
BelgiumNoYes
CzechiaYesNo
LatviaYesNo
MexicoYesNo
PolandYesNo
SpainYesNo

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.

Buyway BE

What rate does Buyway BE charge?+

Its personal loan runs at an APR of 7.49% on a fixed rate, so the cost of borrowing stays the same across the term. That sits below the site median of 12% for loans on file.

How much can I borrow and for how long?+

Personal loans run in amounts of €5,000 to €10,001 with terms of 12 to 57. The figure is a high floor for a personal loan, which suits a planned renovation rather than a small purchase.

Other options to compare

Buyway BE

Buyway BE

Higher score in this comparison

9.3/10See alternatives

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