Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Lendo.no
Where AvaFin and Lendo.no differ
| Compare |  AvaFin |  Lendo.no |
|---|---|---|
| APR | 7.85% to 52.94%Lower | 9.45% to 17.77% |
| Loan amount | €100 to €20,000 | NOK 10,000 to NOK 600,000 |
| Term | 3 to 84 months | 12 to 180 monthsHigher |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | 0 NOK |
| Funding time | Money sent within 15 minutes of approval, same day | Bank pays the money out after approval; banks can take up to 24 hours to answer and documentation takes 1-3 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% | 140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK |
| Lender type | Direct lender | Marketplace |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | Age 18-75; minimum income 120,000 NOK gross per year (not daily pay or stipend); no registered payment remarks or collection cases; own email address and a Norwegian phone number; non-Norwegian citizens need a Norwegian national identity number and at least 3 years of residence in Norway |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Debt consolidation, Credit line, Car, SecuredCovers more |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | 9.99% | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- 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 9.45% to 17.77%.
- Term is higher at Lendo.no: 12 to 180 months vs 3 to 84 months.
- Features: only AvaFin offers Same day funding.
- Loan types: only Lendo.no 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.
Lendo.no
Lendo is a Norwegian loan marketplace that suits borrowers who would rather see offers from several banks than apply to a single lender. Personal loans run NOK 10,000 to NOK 600,000 at effective rates of 9.45% to 17.77%, with the origination fee at 0 NOK and free early repayment.
Score breakdown
| Area | AvaFin | Lendo.no |
|---|---|---|
| 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. | 9.1Higher |
| Offer | 8.9 | 9.4HigherMarketplace lending spreads offers across banks, with personal loan rates of 9.45% to 17.77% and an origination fee of 0 NOK. |
| Trust | 8.9Higher | 8.4 |
Positions in our rankings
| Ranking | AvaFin | Lendo.no |
|---|---|---|
| Personal loans | 771 of 1920 | 810 of 1920 |
| Debt consolidation loans | 263 of 425 | 280 of 425 |
| Lines of credit | 191 of 328 | 202 of 328 |
| Home improvement loans | 345 of 562 | 365 of 562 |
A third option
Sofkredit has term at 6 to 240 months, against 3 to 84 months for AvaFin and 12 to 180 months for Lendo.no.
Sofkredit reviewWhat we checked
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
Lendo.no
- lendo.no: 16 facts, checked September 26, 2026
- no.linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | AvaFin | Lendo.no |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit lineCovers more | Credit line |
| Legal entity | AvaFin Holding LTD | Lendo AS (org. nr. 997 523 814) |
| Headquarters | Cyprus | Norway |
| Founded | 2012 | 2012 |
| Support channels | Email, Phone, Chat, Help centre | Phone, Email, Chat, Help centre |
Mortgages
| Fact | AvaFin | Lendo.no |
|---|---|---|
| Initial rate | Not confirmed | 4.89% to 5.84% |
| APRC | Not confirmed | 5.37% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 90% |
| Product fee | Not confirmed | NOK 0 |
| Purpose | Not confirmed | Remortgage |
Where each stands against the rest
| Fact | AvaFin | Lendo.no | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 9.45% to 17.77%above the median | 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.
Lendo.no
Pros
- As a marketplace it places bank offers behind a single application, spanning personal, debt consolidation, credit line, car and secured loans (personal, debt consolidation and credit line).
- Fees of 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment costs nothing extra.
- Remortgage offers carry an initial rate of 4.89% to 5.84%, an APRC of 5.37% and borrowing up to 90% of property value.
Cons
- Applicants must clear registered payment remarks and collection cases, plus a minimum income, an own email address and a Norwegian phone number.
- Credit checks are hard (hard), so a full search runs rather than a soft prequalification.
- Payout waits on the bank for an answer and a documentation check, so plan for a waiting period.
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.
Lendo.no
Who it suits
- Norwegian borrowers with a registered income and a clean payment record who want bank offers side by side.
- People consolidating debts or paying for home improvement, which is a listed use (home improvement).
- Homeowners remortgaging, where offers start at an initial rate of 4.89% to 5.84%.
Who should look elsewhere
- Readers who want a single lender rather than a bank marketplace: Monzo Flex quotes 10% to 23%.
- Borrowers settled on a higher rate profile: Cashspace lists PHP 12 to PHP 36.
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 | Lendo.no |
|---|---|---|
| Czechia | Yes | No |
| Latvia | Yes | No |
| Mexico | Yes | No |
| Norway | No | Yes |
| 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.
Lendo.no
What fees does Lendo charge?+
The arrangement fees sit at 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment is free. The interest rate comes from the bank that answers your application, with personal loan rates running 9.45% to 17.77%.
Who regulates Lendo?+
Lendo acts as a marketplace, so it introduces you to banks and the lending contract is with the bank, not with Lendo. Its Norwegian licence sits with Finanstilsynet, and consumer loan rates run 9.45% to 17.77%. The published representative example shows what borrowing costs once interest is added to the amount taken.
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