Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Kredit.de
What sets them apart
| Compare |  AvaFin |  Kredit.de |
|---|---|---|
| Loan amount | €100 to €20,000 | €120,000Higher |
| Term | 3 to 84 months | 12 to 120 monthsHigher |
| 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 | Loan amount usually credited to the account within a few business days |
| 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% | Example personal loan: 12,000 EUR, 6.17% effective annual rate, 56 months, 250.00 EUR monthly rate, total cost 13,756.13 EUR |
| Lender type | Direct lender | Broker |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | Minimum age 18, main residence in Germany, German current account, sufficient and secured income |
| Origination fee (%) | 9.99% | 0%Lower |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Car, Debt consolidation, Secured |
| APR | 7.85% to 52.94% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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
- Kredit.de scores higher overall: 9.0 vs 8.9.
- Founded is lower at AvaFin: 2012 vs 2017.
- AvaFin is licensed in 1 more country.
- AvaFin is available in 4 more countries.
- Origination fee (%) is lower at Kredit.de: 0% vs 9.99%.
- Loan amount is higher at Kredit.de: €120,000 vs €100 to €20,000.
- Term is higher at Kredit.de: 12 to 120 months vs 3 to 84 months.
- Support channels: only AvaFin offers Chat.
- Loan types: only AvaFin offers Credit line.
- Loan types: only Kredit.de offers Car, 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.
Kredit.de
Kredit.de is a German credit broker rather than a lender, so it suits adults in Germany holding a German current account who want lender offers compared side by side. Personal loans reach €120,000, and it ranks 27 of 685 brands on loan amount.
Score breakdown
| Area | AvaFin | Kredit.de |
|---|---|---|
| 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. | 9.4HigherArrangement fee 0 EUR on personal loans, product fee €0 on home finance and an initial rate of 3.25% on property. |
| Offer | 8.9 | 9.5Higher |
| Trust | 8.9Higher | 8.3 |
How they place
| Ranking | AvaFin | Kredit.de |
|---|---|---|
| Personal loans | 771 of 1920 | 699 of 1920 |
| Debt consolidation loans | 263 of 425 | 239 of 425 |
| Home improvement loans | 345 of 562 | 313 of 562 |
Side by side, item by item
| Loan types | AvaFin | Kredit.de |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Secured | No | Yes |
| Car | No | Yes |
| Use cases | AvaFin | Kredit.de |
|---|---|---|
| Home improvement | Yes | Yes |
Licences and countries
| Country | AvaFin | Kredit.de |
|---|---|---|
| Czechia | Not confirmed | |
| Germany | Not confirmed | |
| Latvia | Not confirmed |
Additional countries for AvaFin: 5. Additional countries for Kredit.de: 1.
Where these facts come from
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
Kredit.de
- kredit.de: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | AvaFin | Kredit.de |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | KREDIT.DE AG |
| Headquarters | Cyprus | Germany |
| Founded | 2012Lower | 2017 |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Email, Help centre |
Mortgages
| Fact | AvaFin | Kredit.de |
|---|---|---|
| Initial rate | Not confirmed | 3.25% |
| Fixed period | Not confirmed | 10 to 40 years |
| Maximum loan to value | Not confirmed | 110% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | AvaFin | Kredit.de | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | Not confirmed | 8.99 |
| Loan amount | €100 to €20,000below the median | €120,000highest quarter | €40,000 |
| Term | 3 to 84 monthsabove the median | 12 to 120 monthshighest 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.
Kredit.de
Pros
- The arrangement fee on personal loans is 0 EUR and the product fee on home finance is €0, so there is no upfront charge to weigh up.
- Personal loans reach €120,000 with terms running 12 to 120, well past the €2,500 upper quartile of amounts listed.
- Early repayment is free, as it is for 79.5% of the lenders compared.
Cons
- Kredit.de is a broker, so the rate comes from the partner lender rather than a published price.
- Pricing runs on a fixed model under fixed rate terms, leaving no variable rate option to switch to.
- Support runs on phone, email and help centre only, with no live chat for quick questions.
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.
Kredit.de
Who it suits
- Adults living in Germany with a German current account and income they can evidence, since eligibility asks for all of these.
- Borrowers after a car loan, debt consolidation or a secured loan, as personal, car and debt consolidation covers those alongside personal lending.
- Homebuyers and remortgagors wanting a maximum loan to value of 110% on fixed periods of 10 to 40.
Who should look elsewhere
- Monzo Flex, which lends £10,000 to £35,000, belongs to a different currency market than the euro €120,000 range at Kredit.de.
- Cashspace ES, capped at €100 to €5,000, is too small for a larger home project, where Kredit.de covers €120,000.
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 | Kredit.de |
|---|---|---|
| Czechia | Yes | No |
| Germany | No | Yes |
| 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.
Kredit.de
What does Kredit.de charge for arranging a loan?+
Personal loans carry an arrangement fee of 0 EUR, and residential home finance a product fee of €0. A representative example is published for a personal loan, showing the effective annual rate, the monthly instalment and the total cost of borrowing.
How much can I borrow, and for how long?+
Personal loans reach €120,000 with terms running 12 to 120. On property finance the site quotes an initial rate of 3.25% with a maximum loan to value of 110%, above the 90% across these listings, on fixed periods of 10 to 40.
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 CashXpress
- AvaFin vs Coopenae
- 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
- Kredit.de vs AvaFin Poland