Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Sambla
What sets them apart
| Compare |  AvaFin |  Sambla |
|---|---|---|
| APR | 7.85% to 52.94%Lower | 7.92% to 13.24% |
| Loan amount | €100 to €20,000 | SEK 5,000 to SEK 800,000 |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | 0 SEK - free to apply and compare, lender pays Sambla |
| Funding time | Money sent within 15 minutes of approval, same day | Usually 1-3 days from signing to payout |
| 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% | 160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK |
| Rate type | Fixed | Variable |
| Lender type | Direct lender | Broker |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | 18+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Debt consolidation, Car, Secured |
| Term | 3 to 84 months | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 9.99% | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- 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 AvaFin: 7.85% to 52.94% vs 7.92% to 13.24%.
- Loan types: only AvaFin offers Credit line.
- Loan types: only Sambla 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.
Sambla
Sambla is a Swedish loan broker that passes one application to several lenders and charges applicants nothing, so the applicant fee is 0 SEK - free to apply and compare, lender pays Sambla. It suits adults with fair credit, and its rates run 7.92% to 13.24% against a site median of 12%.
Score breakdown
| Area | AvaFin | Sambla |
|---|---|---|
| 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 | 9.4HigherThe offer covers personal, debt consolidation and car lending from one application, priced at a variable rate. |
| Trust | 8.9Higher | 8.4 |
What each covers
| Loan types | AvaFin | Sambla |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Secured | No | Yes |
| Car | No | Yes |
| Use cases | AvaFin | Sambla |
|---|---|---|
| Home improvement | Yes | Yes |
Choosing between them
Pick AvaFin if trust and apr matter most.
Pick Sambla if cost and offer matter most.
How they place
| Ranking | AvaFin | Sambla |
|---|---|---|
| Personal loans | 771 of 1920 | 844 of 1920 |
| Debt consolidation loans | 263 of 425 | 291 of 425 |
| Home improvement loans | 345 of 562 | 381 of 562 |
Every fact side by side
| Fact | AvaFin | Sambla |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | Sambla Group AB |
| Headquarters | Cyprus | Sweden |
| Founded | 2012Lower | 2014 |
| Support channels | Email, Phone, Chat, Help centre | Email, Phone, Help centre, Chat |
Where each stands against the rest
| Fact | AvaFin | Sambla | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 7.92% to 13.24%below the median | 8.99 |
| Term | 3 to 84 monthsabove the median | Not confirmed | 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.
Sambla
Pros
- Applying and comparing costs applicants nothing: 0 SEK - free to apply and compare, lender pays Sambla.
- Timing from signing to payout is Usually 1-3 days from signing to payout.
- Support runs on email, phone and help centre.
Cons
- The credit check is hard and the credit it needs is fair, so a thin file is turned down early.
- Pricing is variable, so a monthly amount set today can move after signing.
- Eligibility is narrow: an applicant must be an adult, resident in Sweden for a period, clear at Kronofogden for a period, and above a minimum monthly income.
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.
Sambla
Who it suits
- People with fair credit who want personal, consolidation, car and secured offers side by side.
- Home improvement projects, which Sambla names as a use case: home improvement.
- Anyone who wants to compare lenders first, since comparing is 0 SEK - free to apply and compare, lender pays Sambla.
Who should look elsewhere
- Monzo Flex, whose 10% to 23% ceiling is higher than Sambla's 7.92% to 13.24%.
- Cashspace, whose PHP 12 to PHP 36 is quoted in another currency, if you are not shopping in Sweden.
- Cashspace ES, at 0%, where the listed rate leaves nothing to weigh against Sambla's 7.92% to 13.24%.
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 | Sambla |
|---|---|---|
| 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.
Sambla
What does it cost to apply through Sambla?+
Applying and comparing is free, because the fee is 0 SEK - free to apply and compare, lender pays Sambla and the lender pays Sambla. What you repay is the interest on the loan itself, quoted as 7.92% to 13.24% on a variable basis, so the headline figure is a starting point rather than a fixed monthly sum.
Who can apply for a loan through Sambla?+
Applicants must be adults, registered as residents in Sweden for a period, free of Kronofogden entries for a period, and earning above a minimum monthly income. Sambla also lists the credit needed as fair, so a thin credit file is the usual reason an application stalls.
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