Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Lånekoll
What sets them apart
| Compare |  AvaFin |  Lånekoll |
|---|---|---|
| APR | 7.85% to 52.94% | 2.32% to 7.9%Lower |
| Loan amount | €100 to €20,000 | SEK 2,550,000 |
| Term | 3 to 84 months | 12 to 180 monthsHigher |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | 0 SEK |
| 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% | Bolån via partners: 2.75% nominal (2.79% effective) on a 2.55 Mkr loan, interest cost 5 844 kr per month, amortisation 4 250 kr per month, no setup fee |
| 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 and resident in Sweden |
| Loan types | Personal, Debt consolidation, Credit line | Secured, Personal, Debt consolidation, Car |
| Funding time | Money sent within 15 minutes of approval, same day | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 9.99% | Not confirmed |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Lånekoll scores higher overall: 9.1 vs 8.9.
- Founded is lower at AvaFin: 2012 vs 2014.
- AvaFin is licensed in 1 more country.
- AvaFin is available in 4 more countries.
- APR is lower at Lånekoll: 2.32% to 7.9% vs 7.85% to 52.94%.
- Term is higher at Lånekoll: 12 to 180 months vs 3 to 84 months.
- Support channels: only AvaFin offers Chat.
- Loan types: only AvaFin offers Credit line.
- Loan types: only Lånekoll offers Secured, 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.
Lånekoll
Lånekoll suits Swedish borrowers who want a mortgage quote brokered across partner lenders at an arrangement fee of 0 SEK. Rates of 2.32% to 7.9% sit below what Monzo Flex charges, and support runs on email, phone and help centre for anyone weighing a purchase against a remortgage.
Score breakdown
| Area | AvaFin | Lånekoll |
|---|---|---|
| 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. | 9.7Higher |
| Offer | 8.9 | 9.5HigherRange 2.32% to 7.9% on a SEK 2,550,000 example, matched to lenders by broker, broker, with a low starting rate 2.32%. |
| Trust | 8.9Higher | 8.4 |
Licences and countries
| Country | AvaFin | Lånekoll |
|---|---|---|
| Czechia | Not confirmed | |
| Latvia | Not confirmed | |
| Sweden | Not confirmed | Finansinspektionen 44027 |
Additional countries for AvaFin: 5. Additional countries for Lånekoll: 1.
Where they rank in our lists
| Ranking | AvaFin | Lånekoll |
|---|---|---|
| Personal loans | 771 of 1920 | 565 of 1920 |
| Debt consolidation loans | 263 of 425 | 180 of 425 |
| Home improvement loans | 345 of 562 | 240 of 562 |
Every fact side by side
| Fact | AvaFin | Lånekoll |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | Consector AB |
| Headquarters | Cyprus | Sweden |
| Founded | 2012Lower | 2014 |
| Support channels | Email, Phone, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | AvaFin | Lånekoll |
|---|---|---|
| Initial rate | Not confirmed | 2.32% |
| APRC | Not confirmed | 2.35% |
| Fixed period | Not confirmed | 0.25 years |
| Maximum loan to value | Not confirmed | 90% |
| Product fee | Not confirmed | SEK 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | AvaFin | Lånekoll | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 2.32% to 7.9%lowest quarter | 8.99 |
| Term | 3 to 84 monthsabove the median | 12 to 180 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.
Lånekoll
Pros
- The mortgage rate range of 2.32% to 7.9% compares well with 10% to 23% and PHP 12 to PHP 36 at the other lenders listed here.
- The arrangement fee on the mortgage example is 0 SEK, and the example carries no setup fee.
- Brokering, broker, means one application is weighed against lenders rather than a single desk.
Cons
- Brokering means the lender, not Lånekoll, sets the final rate and terms: broker.
- A hard credit check, hard, is part of the route, so there is no soft prequalification step first.
- The headline rate is the floor of a band: 2.32% to 7.9%, so your own offer can land higher.
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.
Lånekoll
Who it suits
- Swedish buyers and remortgagers who want a property-sized mortgage, SEK 2,550,000, compared across partner lenders.
- Borrowers who want to avoid a start fee: 0 SEK on the mortgage example.
- People who also need a car, personal or debt consolidation loan, since the loan types cover secured, personal and debt consolidation.
Who should look elsewhere
- Borrowers who prefer a single lender on the terms: Lånekoll is a broker, broker, so you deal with two firms.
- Readers shopping for an unsecured personal loan rate: Monzo Flex quotes 10% to 23% and Cashspace PHP 12 to PHP 36, both above the 2.32% to 7.9% Lånekoll range.
- Anyone needing a repayment period longer than 12 to 180 or a gentler check than a hard one.
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
Lånekoll
Current offer
First period offer
Skaffa koll membership free of charge (Lånekoll service): Free, stated value 49 kr/month
Cost-free membership in the Lånekoll service, issued to persons over 18
Source, checked September 26, 2026
Country by country
| Country | AvaFin | Lånekoll |
|---|---|---|
| Czechia | Yes | No |
| Latvia | Yes | No |
| Mexico | Yes | No |
| Poland | Yes | No |
| Spain | Yes | No |
| Sweden | No | 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.
Lånekoll
What will a Lånekoll mortgage cost me?+
The quoted rate range is 2.32% to 7.9% and the starting rate shown is 2.32%. The arrangement fee on the example is 0 SEK, and the example itself carries no setup fee. Interest and amortisation are both charged monthly, so the monthly figure is what leaves your account each period.
Are there any fees on a Lånekoll loan?+
On the mortgage example the arrangement fee is 0 SEK and the product fee is SEK 0, so nothing is added when the loan starts. The representative example also shows no setup fee, which leaves interest as the main cost to weigh. In that example the effective rate sits just above the nominal rate because the loan is repaid in instalments.
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