Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Finteres
AvaFin vs Finteres: the differences
| Compare |  AvaFin |  Finteres |
|---|---|---|
| APR | 7.85% to 52.94% | 0% to 36%Lower |
| Loan amount | €100 to €20,000Higher | €100 to €5,000 |
| Term | 3 to 84 monthsHigher | 3 to 4 months |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Money sent within 15 minutes of approval, same day | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| 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 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Lender type | Direct lender | Broker |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Origination fee (%) | 9.99% | 0%Lower |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Payday, Debt consolidation, Car |
| Rate type | Fixed | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Free early repayment (Yes).
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Key differences
- AvaFin scores higher overall: 8.9 vs 8.8.
- AvaFin is available in 4 more countries.
- APR is lower at Finteres: 0% to 36% vs 7.85% to 52.94%.
- Origination fee (%) is lower at Finteres: 0% vs 9.99%.
- Loan amount is higher at AvaFin: €100 to €20,000 vs €100 to €5,000.
- Term is higher at AvaFin: 3 to 84 months vs 3 to 4 months.
- Support channels: only AvaFin offers Chat.
- Features: only AvaFin offers Credit line.
- Loan types: only AvaFin offers Credit line.
- Loan types: only Finteres offers Payday, Car.
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.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | AvaFin | Finteres |
|---|---|---|
| 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. | 9.5HigherArrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 8.9Higher | 8.7 |
| Trust | 8.9Higher | 8.3 |
Positions in our rankings
| Ranking | AvaFin | Finteres |
|---|---|---|
| Personal loans | 771 of 1920 | 27 of 1920 |
| Debt consolidation loans | 263 of 425 | 10 of 425 |
Every fact side by side
| Fact | AvaFin | Finteres |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | AvaFin Holding LTD | Fininity OÜ |
| Headquarters | Cyprus | Estonia |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Phone, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AvaFin | Finteres | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 0% to 36%lowest quarter | 8.99 |
| Loan amount | €100 to €20,000below the median | €100 to €5,000lowest quarter | €40,000 |
| Term | 3 to 84 monthsabove the median | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | 9.99%highest quarter | 0%below the median | 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.
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
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.
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
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
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | AvaFin | Finteres |
|---|---|---|
| Czechia | Yes | No |
| Latvia | Yes | No |
| 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.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
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