Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Easy Credit
AvaFin vs Easy Credit: the differences
| Compare |  AvaFin |  Easy Credit |
|---|---|---|
| APR | 7.85% to 52.94%Lower | 47.85% |
| Loan amount | €100 to €20,000Higher | €150 to €9,000 |
| Term | 3 to 84 monthsHigher | 6 to 36 months |
| Funding time | Money sent within 15 minutes of approval, same day | Up to 24 hours after 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% | Изи Кредит: 200 EUR, 24 weekly instalments of 9.14 EUR, 6 months, total repayable 219.36 EUR, nominal interest 39.00%, annual cost 47.85% |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | 18 or older, permanently resident citizen of Bulgaria, valid ID card |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Guarantor, Secured |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | Not confirmed |
| 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).
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Key differences
- Founded is lower at Easy Credit: 2005 vs 2012.
- 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 47.85%.
- Loan amount is higher at AvaFin: €100 to €20,000 vs €150 to €9,000.
- Term is higher at AvaFin: 3 to 84 months vs 6 to 36 months.
- Support channels: only AvaFin offers Email.
- Loan types: only AvaFin offers Debt consolidation, Credit line.
- Loan types: only Easy Credit offers Guarantor, Secured.
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.
Easy Credit
Easy Credit is a Bulgarian direct lender offering personal, guarantor and secured loans of €150 to €9,000, and it suits borrowers who want a fixed rate, free early repayment and money Up to 24 hours after approval.
Score breakdown
| Area | AvaFin | Easy Credit |
|---|---|---|
| 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. | 8.7At 47.85%, the annual rate sits far above the 12% site median on personal loans, so cost scores low. |
| Offer | 8.9 | 8.9 |
| Trust | 8.9 | 9.1Higher |
Licences and countries
| Country | AvaFin | Easy Credit |
|---|---|---|
| Bulgaria | Not confirmed | |
| Czechia | Not confirmed | |
| Latvia | Not confirmed |
Additional countries for AvaFin: 5. Additional countries for Easy Credit: 1.
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
AvaFin
628.1 to 5,069.31
628.1 to 5,069.31
Easy Credit
4,503.17
4,503.17
AvaFin comes out 3,875.07 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.
How they place
| Ranking | AvaFin | Easy Credit |
|---|---|---|
| Personal loans | 771 of 1920 | 799 of 1920 |
Every fact side by side
| Fact | AvaFin | Easy Credit |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | Izi Asset Management AD (Изи Асет Мениджмънт АД), EIK 131576434 |
| Headquarters | Cyprus | Bulgaria |
| Founded | 2012 | 2005Lower |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | AvaFin | Easy Credit | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 47.85%highest quarter | 8.99 |
| Loan amount | €100 to €20,000below the median | €150 to €9,000below the median | €40,000 |
| Term | 3 to 84 monthsabove the median | 6 to 36 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.
Easy Credit
Pros
- Fixed rate on every loan (fixed), so instalments hold steady across the term.
- Funding Up to 24 hours after approval, and free early repayment if you settle sooner.
- Regulated by the Bulgarian National Bank as a non-bank financial institution, licence BGR00009.
Cons
- Cost is the weak point: the annual rate is 47.85% against a site median of 12% on personal loans.
- The credit check is hard, so an application can leave a mark on the credit file.
- Loan sizes run €150 to €9,000 and terms 6 to 36, so it cannot cover a large, long borrowing.
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.
Easy Credit
Who it suits
- Bulgarian residents with a valid ID card who need a loan of €150 to €9,000.
- Borrowers who want a fixed rate and can clear the debt early without charge.
- Anyone who needs the money Up to 24 hours after approval and can plan around the weekly instalments.
Who should look elsewhere
- Borrowers chasing a low rate: Monzo Flex lists 10% to 23%, well below the 47.85% here.
- Readers wanting a free comparison point: Cashspace ES shows 0% against this lender's 47.85%.
- Readers comparing across markets: Cashspace runs PHP 12 to PHP 36 in a different market and a different product type.
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 | Easy Credit |
|---|---|---|
| Bulgaria | 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.
Easy Credit
What rate do I pay on an Easy Credit loan?+
Easy Credit publishes an annual rate of 47.85%. Its representative example is a small personal loan repaid in weekly instalments, and the annual cost there is the same figure. What you pay weekly depends on the amount and the term, so treat the example as a guide.
How much can I borrow, and for how long?+
Loan amounts run €150 to €9,000 and terms run 6 to 36, which suits a small purchase or a bill rather than a large renovation. The top of the range sits above the site median of €876.96 and the bottom well below it, so the spread is wide.
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