Updated September 29, 2026 · BorrowCue Editorial Team
AvaFin vs Qonto ES
Where AvaFin and Qonto ES differ
| Compare |  AvaFin |  Qonto ES |
|---|---|---|
| APR | 7.85% to 52.94%Lower | 19.5% |
| Loan amount | €100 to €20,000 | €750 to €1,000,000Higher |
| Term | 3 to 84 monthsHigher | 1 to 12 months |
| Funding time | Money sent within 15 minutes of approval, same day | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Direct lender | Broker |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required |
| Loan types | Personal, Debt consolidation, Credit line | Business, Credit line |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | Not confirmed |
| 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% | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 9.99% | Not confirmed |
| Credit needed | Not confirmed | Good |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed).
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Key differences
- AvaFin scores higher overall: 8.9 vs 8.6.
- Qonto ES is available in 25 more countries.
- APR is lower at AvaFin: 7.85% to 52.94% vs 19.5%.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €100 to €20,000.
- Term is higher at AvaFin: 3 to 84 months vs 1 to 12 months.
- Features: only AvaFin offers Same day funding.
- Loan types: only AvaFin offers Personal, Debt consolidation.
- Loan types: only Qonto ES offers Business.
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.
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
Score breakdown
| Area | AvaFin | Qonto ES |
|---|---|---|
| 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. | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 8.9 | 9.0Higher |
| Trust | 8.9Higher | 8.3 |
Side by side, item by item
| Loan types | AvaFin | Qonto ES |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Credit line | Yes | Yes |
| Business | No | Yes |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
AvaFin
430.29 to 3,093.53
430.29 to 3,093.53
Qonto ES
1,087.44
1,087.44
AvaFin comes out 657.15 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.
Pick AvaFin if, pick Qonto ES if
Pick AvaFin if cost, trust, apr, and term matter most.
Pick Qonto ES if loan amount matter most.
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
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | AvaFin | Qonto ES |
|---|---|---|
| Lines of credit | 191 of 328 | 6 of 328 |
Every fact side by side
| Fact | AvaFin | Qonto ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Credit line |
| Legal entity | AvaFin Holding LTD | QONTO |
| Headquarters | Cyprus | France |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Phone, Chat, Help centre | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | AvaFin | Qonto ES | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 19.5%highest quarter | 8.99 |
| Loan amount | €100 to €20,000below the median | €750 to €1,000,000highest quarter | €40,000 |
| Term | 3 to 84 monthsabove the median | 1 to 12 monthslowest 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.
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
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.
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
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
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
Source, checked September 26, 2026
Country by country
| Country | AvaFin | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 31 countries where either is available.
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.
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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