Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs CashXpress
Where AvaFin and CashXpress differ
| Compare |  AvaFin | CashXpress ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 7.85% to 52.94% | 0% to 726.35%Lower |
| Loan amount | €100 to €20,000 | ₱1,000 to ₱50,000 |
| Term | 3 to 84 months | 180 to 365 monthsHigher |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | PHP 1,000 |
| Credit check | Hard | None |
| Funding time | Money sent within 15 minutes of approval, same day | Funds within 24 hours of approval |
| 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% | 10,000 PHP for 182 days at 700% APR, total to repay 38,999 PHP |
| Lender type | Direct lender | Broker |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | 21-70 years old, Filipino citizen living in the Philippines, employed or with stable income, active mobile number, active bank account or e-wallet, one valid government ID |
| Loan types | Personal, Debt consolidation, Credit lineCovers more | Personal |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 9.99% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- CashXpress scores higher overall: 9.1 vs 8.9.
- AvaFin is licensed in 1 more country.
- AvaFin is available in 4 more countries.
- APR is lower at CashXpress: 0% to 726.35% vs 7.85% to 52.94%.
- Term is higher at CashXpress: 180 to 365 months vs 3 to 84 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.
CashXpress
CashXpress suits employed Filipino adults with poor credit who need money quickly and face no credit check. Personal loans run PHP 1,000 to PHP 50,000 at an APR of 0% to 726.35%, funds arrive Funds within 24 hours of approval, and the headline cost is easy to underestimate once the origination fee is counted.
Score breakdown
| Area | AvaFin | CashXpress |
|---|---|---|
| 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. | 9.9Higher |
| Offer | 8.9 | 9.1HigherAPR 0% to 726.35% plus an origination fee of PHP 1,000: quick payout, weak on cost. |
| Trust | 8.9Higher | 8.3 |
What each covers
| Loan types | AvaFin | CashXpress |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Use cases | AvaFin | CashXpress |
|---|---|---|
| Home improvement | Yes | Yes |
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
CashXpress
- cashxpress.ph: 15 facts, checked September 26, 2026
How they place
| Ranking | AvaFin | CashXpress |
|---|---|---|
| Personal loans | 771 of 1920 | 558 of 1920 |
| Home improvement loans | 345 of 562 | 236 of 562 |
Every fact side by side
| Fact | AvaFin | CashXpress |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | Cash-Express Philippines Financing Inc. |
| Headquarters | Cyprus | Philippines |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | AvaFin | CashXpress | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 0% to 726.35%lowest quarter | 8.99 |
| Term | 3 to 84 monthsabove the median | 180 to 365 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.
CashXpress
Pros
- No credit check, and poor credit is accepted, so a bureau score does not block the application.
- Funds Funds within 24 hours of approval, which matters when the need is an emergency.
- Licensed by the Securities and Exchange Commission (Philippines), with a named legal entity behind the site.
Cons
- CashXpress charges 0% to 726.35%, while the site's personal loan APR median is 12.25%.
- An origination fee of PHP 1,000 is added on top of the interest.
- The book is personal loans only, so a home improvement project has no secured route to a cheaper rate.
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.
CashXpress
Who it suits
- Filipino adults with poor credit who are turned away by a credit check elsewhere, and who need PHP 1,000 to PHP 50,000 rather than a cheque from a bank queue.
- Borrowers weighing a broker with no credit check against cheaper lenders such as Cashspace at PHP 12 to PHP 36.
- People paying for home improvement work who need cash in hand faster than a normal bank turnaround.
Who should look elsewhere
- Borrowers after the cheapest rate: Cashspace ES lists an APR of 0%, far below 0% to 726.35%.
- Anyone who can pass a credit check and wants to borrow more cheaply: Cashspace at PHP 12 to PHP 36 or Monzo Flex at 10% to 23% costs less to owe.
- Applicants planning a long repayment: terms of 180 to 365 months mean that many months of interest at 0% to 726.35%.
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
CashXpress
Current offer
First period offer
Promo offer for New Customers (First Time Loan): 0% interest for the first 7 days
New customers, first time loan; then 1.99% per day for the rest of the loan duration; minimum term 180 days, maximum term 365 days
Source, checked September 26, 2026
Country by country
| Country | AvaFin | CashXpress |
|---|---|---|
| Czechia | Yes | No |
| Latvia | Yes | No |
| Mexico | Yes | No |
| Philippines | No | Yes |
| Poland | Yes | No |
| Spain | Yes | No |
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.
CashXpress
How much does a CashXpress personal loan cost?+
The published representative example repays far more than it lends, so judge the offer on the total repay figure rather than the headline rate. Interest runs at 0% to 726.35%, and an origination fee of PHP 1,000 is charged on top, which makes a short loan expensive in absolute terms.
Does CashXpress run a credit check?+
There is no credit check, and applicants with poor credit are accepted. CashXpress works as a broker, so an application goes to lenders who set their own pricing, which is why the rate can land anywhere in the 0% to 726.35% range.
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