Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs wertfaktor
What sets them apart
| Compare |  AvaFin |  wertfaktor |
|---|---|---|
| Term | 3 to 84 months | 120 to 360 monthsHigher |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | Durchfuehrungsentgelt of 3.3% of the property value, deducted from the final payout on the complete sale |
| Funding time | Money sent within 15 minutes of approval, same day | Fast payout (Schnellauszahlung) after the notary appointment |
| 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% | Property worth 500,000 EUR, payout of 125,000 EUR (25%); after deducting the 3.3% Durchfuehrungsentgelt and assuming 2.5% annual value growth you receive a further 458,911 EUR after 10 years |
| Rate type | Fixed | Variable |
| Eligibility | Individuals over 18 with Czech or Slovak citizenship, a Czech phone number and a bank account | Germany only; partial sale of at most 50% of the property; occupied or tenanted properties accepted |
| Origination fee (%) | 9.99% | 3.3%Lower |
| Loan types | Personal, Debt consolidation, Credit line | Secured |
| APR | 7.85% to 52.94% | Not confirmed |
| Loan amount | €100 to €20,000 | Not confirmed |
| Credit check | Hard | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- AvaFin scores higher overall: 8.9 vs 8.8.
- Founded is lower at AvaFin: 2012 vs 2018.
- AvaFin is available in 4 more countries.
- Origination fee (%) is lower at wertfaktor: 3.3% vs 9.99%.
- Term is higher at wertfaktor: 120 to 360 months vs 3 to 84 months.
- Support channels: only AvaFin offers Chat.
- Loan types: only AvaFin offers Personal, Debt consolidation, Credit line.
- Loan types: only wertfaktor offers 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.
wertfaktor
wertfaktor suits German homeowners who want to raise cash without moving, by selling part of the property rather than remortgaging it. The payout follows the notary appointment, and terms run 120 to 360 on the share you sell, with Fast payout (Schnellauszahlung) after the notary appointment once the paperwork is done.
Score breakdown
| Area | AvaFin | wertfaktor |
|---|---|---|
| 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. | 8.3A free product fee, an arrangement charge of 3.3% settled at completion, and borrowing capped at 50% of the property value. |
| Offer | 8.9 | 9.6Higher |
| Trust | 8.9Higher | 8.7 |
Pick AvaFin if, pick wertfaktor if
Pick AvaFin if cost matter most.
Pick wertfaktor if offer, term, and origination fee (%) matter most.
Sources behind this comparison
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
wertfaktor
- wertfaktor.de: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | AvaFin | wertfaktor |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | wertfaktor Immobilien GmbH |
| Headquarters | Cyprus | Germany |
| Founded | 2012Lower | 2018 |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Email, Help centre |
Mortgages
| Fact | AvaFin | wertfaktor |
|---|---|---|
| Maximum loan to value | Not confirmed | 50% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Equity release |
Where each stands against the rest
| Fact | AvaFin | wertfaktor | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | Not confirmed | 8.99 |
| Loan amount | €100 to €20,000below the median | Not confirmed | €40,000 |
| Term | 3 to 84 monthsabove the median | 120 to 360 monthshighest quarter | 60 |
| Origination fee (%) | 9.99%highest quarter | 3.3%highest quarter | 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.
wertfaktor
Pros
- The arrangement charge of 3.3% is deducted from the final payout rather than collected at the start.
- The product fee is free, and support runs on phone, email and help centre.
- Payout timing is clearly set out: Fast payout (Schnellauszahlung) after the notary appointment.
Cons
- Borrowing stops at 50% of the property value, well below the 90% seen across secured lenders.
- The rate is variable, so the cost of the money follows the market.
- Payout timing depends on the notary appointment: Fast payout (Schnellauszahlung) after the notary appointment.
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.
wertfaktor
Who it suits
- German homeowners who want cash without moving or remortgaging.
- Owners of a home they live in or let, since the eligibility rules accept occupied and tenanted property.
- Owners who will sell the remaining share later, when the arrangement charge is settled.
Who should look elsewhere
- Anyone outside Germany, as the property sale covers a single market.
- Owners who need the whole property value, since only a capped share at 50% is released.
- Borrowers who want a loan rather than a sale, such as Sofkredit at 6 to 240.
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 | wertfaktor |
|---|---|---|
| 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.
wertfaktor
What is wertfaktor offering?+
It is a equity release product, sold as secured lending: you sell part of a property and get a payout against the home. The buyer of that share is what funds the money, so the property itself carries the arrangement.
How much can I borrow against my home?+
The ceiling is 50% of the property value, which is the share that can be sold. Terms then run 120 to 360, so the balance is settled across a long stretch and the remaining share is sold at the end.
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