Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Credafin
What sets them apart
| Compare |  AvaFin |  Credafin |
|---|---|---|
| Term | 3 to 84 months | 12 to 84 months |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | 0 EUR |
| Funding time | Money sent within 15 minutes of approval, same day | Within 48 hours after contract signature and bank validation |
| Lender type | Direct lender | Broker |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | At least 18 years old, regular income, resident in Belgium, not registered in the BNB national payment incidents file |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Debt consolidation, Car, Student |
| APR | 7.85% to 52.94% | Not confirmed |
| Loan amount | €100 to €20,000 | Not confirmed |
| 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% | Not confirmed |
| Origination fee (%) | 9.99% | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- AvaFin scores higher overall: 8.9 vs 8.8.
- AvaFin is licensed in 1 more country.
- AvaFin is available in 4 more countries.
- Support channels: only AvaFin offers Chat, Help centre.
- Loan types: only AvaFin offers Credit line.
- Loan types: only Credafin offers Car, Student.
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.
Credafin
Credafin suits Belgian borrowers with a regular income who want an intermediary for a personal, car, student or consolidation loan rather than a direct lender. Fees stay modest, with an origination fee of 0 EUR, free early repayment and funding Within 48 hours after contract signature and bank validation after signature.
Score breakdown
| Area | AvaFin | Credafin |
|---|---|---|
| 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. | 9.2Higher |
| Offer | 8.9 | 8.9 |
| Trust | 8.9Higher | 8.3 |
Sources behind this comparison
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
Credafin
- credafin.be: 14 facts, checked September 26, 2026
How they place
| Ranking | AvaFin | Credafin |
|---|---|---|
| Personal loans | 771 of 1920 | 879 of 1920 |
| Debt consolidation loans | 263 of 425 | 307 of 425 |
| Home improvement loans | 345 of 562 | 403 of 562 |
Every fact side by side
| Fact | AvaFin | Credafin |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | Credafin SPRL |
| Headquarters | Cyprus | Belgium |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Phone, Chat, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | AvaFin | Credafin | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | Not confirmed | 8.99 |
| Loan amount | €100 to €20,000below the median | Not confirmed | €40,000 |
| Term | 3 to 84 monthsabove the median | 12 to 84 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.
Credafin
Pros
- Origination fee of 0 EUR on personal loans, plus free early repayment
- Fixed rate model, fixed rate, across terms of 12 to 84
- Funding Within 48 hours after contract signature and bank validation once the contract is signed and the bank has validated
Cons
- Credit check is hard, hard, so the search is recorded on your file
- Support runs on email and phone only, with no live chat among the listed routes
- As a broker, the offer and the lender come from a partner rather than from Credafin itself
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.
Credafin
Who it suits
- Belgian residents with a regular income who can pass a hard credit check
- Borrowers consolidating debts, or covering car, study or home improvement costs
- People who expect to repay early and want to do it at no extra cost
Who should look elsewhere
- Borrowers wanting a gentler first look, since Cashspace ES runs a soft prequal where Credafin uses a hard
- Anyone recorded in the BNB national payment incidents file, which eligibility rules out
- People after a very short window, since Cashspace runs terms of 2 to 4 against 12 to 84 here
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 | Credafin |
|---|---|---|
| Belgium | No | Yes |
| Czechia | Yes | No |
| Latvia | Yes | No |
| Mexico | Yes | No |
| 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.
Credafin
What does Credafin charge to arrange a personal loan?+
The origination fee is 0 EUR, and early repayment carries no extra charge. That leaves interest as the main cost of a loan, so the fixed rate on fixed rate loans is the figure worth comparing across lenders.
How quickly does money arrive after applying?+
Funding happens Within 48 hours after contract signature and bank validation. The clock starts once you have signed the contract and your bank has validated the details, so the payout follows a contract step rather than an instant decision, and it is worth asking how quickly your bank completes validation.
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