Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Cashper ES
Where AvaFin and Cashper ES differ
| Compare |  AvaFin |  Cashper ES |
|---|---|---|
| APR | 7.85% to 52.94%Lower | 2,450% to 59,141% |
| Loan amount | €100 to €20,000Higher | €50 to €1,000 |
| Term | 3 to 84 monthsHigher | 15 to 45 months |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | Gastos de gestion: EUR 15-305 for 15/30 day terms; EUR 16-80 for 16-45 day terms on loans up to EUR 250 |
| Funding time | Money sent within 15 minutes of approval, same day | Transfer effective in 24 to 48 hours |
| 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% | Loan of EUR 200 over 30 days, fee EUR 65, total repayable EUR 265, TAE (APR) 2,968.7% |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | Natural person of legal age with permanent residence in Spain |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Payday |
| Origination fee (%) | 9.99% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cashper ES scores higher overall: 9.0 vs 8.9.
- AvaFin is available in 3 more countries.
- APR is lower at AvaFin: 7.85% to 52.94% vs 2,450% to 59,141%.
- Loan amount is higher at AvaFin: €100 to €20,000 vs €50 to €1,000.
- Term is higher at AvaFin: 3 to 84 months vs 15 to 45 months.
- Support channels: only AvaFin offers Chat.
- Loan types: only AvaFin offers Debt consolidation, Credit line.
- Loan types: only Cashper ES offers Payday.
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.
Cashper ES
Cashper ES is a Spanish short-term lender for adults with permanent residence in Spain who need a small sum quickly rather than a long personal loan. The catch is cost: the stated APR runs 2,450% to 59,141% on fixed-rate personal and payday loans of €50 to €1,000.
Score breakdown
| Area | AvaFin | Cashper ES |
|---|---|---|
| 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. | 8.6 |
| Offer | 8.9 | 9.0HigherFixed-rate loans with free early repayment, but 2,450% to 59,141% on sums of €50 to €1,000 pulls the offer score down. |
| Trust | 8.9 | 9.2Higher |
Side by side, item by item
| Loan types | AvaFin | Cashper ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
AvaFin
62.81 to 506.93
62.81 to 506.93
Cashper ES
36,250 to 886,615
36,250 to 886,615
AvaFin comes out 36,187.19 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 each is licensed and available
| Country | AvaFin | Cashper ES |
|---|---|---|
| Czechia | Not confirmed | |
| Latvia | Not confirmed | |
| Malta | Not confirmed | |
| Spain | Not confirmed |
Available in 1 country for both. Additional countries for AvaFin: 4. Additional countries for Cashper ES: 1.
How they place
| Ranking | AvaFin | Cashper ES |
|---|---|---|
| Personal loans | 771 of 1920 | 691 of 1920 |
Every fact side by side
| Fact | AvaFin | Cashper ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | Bank DiMare Limited |
| Headquarters | Cyprus | Malta |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Phone, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AvaFin | Cashper ES | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 2,450% to 59,141%highest quarter | 8.99 |
| Loan amount | €100 to €20,000below the median | €50 to €1,000lowest quarter | €40,000 |
| Term | 3 to 84 monthsabove the median | 15 to 45 monthsbelow 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.
Cashper ES
Pros
- Repay early with no extra charge, so a bonus or a windfall can clear the balance early.
- Quick disbursement: Transfer effective in 24 to 48 hours.
- Fixed-rate terms on both personal and payday loans, so the rate does not move with the market.
Cons
- The rate is the sticking point: 2,450% to 59,141%, far above the 36.5% typical across the payday ranking here.
- The arrangement fee is charged on the shortest terms, and again on the longer terms for smaller loans.
- A hard credit check (hard) at application, so a decline still leaves a trace on your file.
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.
Cashper ES
Who it suits
- Adults with permanent residence in Spain who need a bridging sum between payslips.
- Borrowers who want one fixed rate and no early repayment penalty.
- People who can handle a hard credit check and read a very high rate before applying.
Who should look elsewhere
- Monzo Flex, whose listed APR of 10% to 23% sits far below Cashper's 2,450% to 59,141%.
- Cashspace ES, whose listed APR of 0% undercuts Cashper's 2,450% to 59,141% by a wide margin.
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 | Cashper ES |
|---|---|---|
| Czechia | Yes | No |
| Latvia | Yes | No |
| Malta | No | Yes |
| Mexico | Yes | No |
| Poland | Yes | No |
| Spain | 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.
Cashper ES
What rate do you pay on a Cashper loan?+
Cashper charges a fixed rate, so the percentage you sign for is the one that applies through the term. The stated APR runs 2,450% to 59,141%, and that headline figure is what makes a short loan look expensive: a small balance carried briefly turns into a large annual number. Weigh 2,450% to 59,141%, not the cash you hand back.
Is there an arrangement fee on top?+
There is a handling charge, and it is not spread evenly. It applies to the shortest terms, and on smaller loans in the lower part of €50 to €1,000 it also applies across the longer terms. Because the charge follows term length and size, the smallest sum over the shortest 15 to 45 you can clear keeps it down.
Other options to compare
Other matchups
- AvaFin vs Sambla
- AvaFin vs Buyway BE
- AvaFin vs Lånekoll
- AvaFin vs SMBC card loan
- AvaFin vs Brixo Privatlån
- AvaFin vs Bank Neo Commerce
- AvaFin vs Easy Credit
- AvaFin vs Cetelem
- AvaFin vs Credafin
- AvaFin vs Kredit.de
- AvaFin vs CreditoZen
- AvaFin vs Finteres
- AvaFin vs Qonto ES
- AvaFin vs Fidea MX
- AvaFin vs AXI Card Tarjeta y Credito
- AvaFin vs Rahalaitos
- AvaFin vs Smava