Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin vs Zmarta
AvaFin vs Zmarta: the differences
| Compare |  AvaFin |  Zmarta |
|---|---|---|
| APR | 7.85% to 52.94% | 7.22%Lower |
| Loan amount | €100 to €20,000 | SEK 800,000 |
| Term | 3 to 84 monthsHigher | 60 months |
| Arrangement fee | 9.99% of the loan amount (contract formation fee) | 0 SEK |
| Funding time | Money sent within 15 minutes of approval, same day | 1-4 days after signing the loan agreement |
| 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% | Loan of 225 000 SEK, nominal interest 6.99%, 5 year term, effective rate 7.22% |
| 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 | Over 18 years old, annual income of at least 100 000 SEK, no unpaid debts with the Swedish Enforcement Authority (applications with records of non-payment accepted by some partner banks) |
| Origination fee (%) | 9.99% | 0%Lower |
| Loan types | Personal, Debt consolidation, Credit lineCovers more | Personal, Debt consolidation |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Zmarta scores higher overall: 9.2 vs 8.9.
- Founded is lower at Zmarta: 1999 vs 2012.
- AvaFin is licensed in 1 more country.
- AvaFin is available in 4 more countries.
- APR is lower at Zmarta: 7.22% vs 7.85% to 52.94%.
- Origination fee (%) is lower at Zmarta: 0% vs 9.99%.
- Term is higher at AvaFin: 3 to 84 months vs 60 months.
- Support channels: only AvaFin offers Chat.
- Loan types: only AvaFin offers Credit line.
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.
Zmarta
Zmarta suits Swedish borrowers who want a single application to reach partner banks for a personal or consolidation loan, and it also places home loans. Borrowing runs to SEK 800,000, the worked example term is 60 months, and home loans reach a 90% loan to value.
Score breakdown
| Area | AvaFin | Zmarta |
|---|---|---|
| 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. | 9.3HigherAPR of 7.22% against 12% across the site, and an arrangement fee of 0 SEK on personal loans. |
| Offer | 8.9 | 9.6HigherBroker covering personal and debt consolidation plus home improvement, so home and debt costs sit under a single brand. |
| Trust | 8.9Higher | 8.7 |
Where they rank in our lists
| Ranking | AvaFin | Zmarta |
|---|---|---|
| Personal loans | 771 of 1920 | 506 of 1920 |
| Debt consolidation loans | 263 of 425 | 156 of 425 |
| Home improvement loans | 345 of 562 | 208 of 562 |
Choosing between them
Pick AvaFin if term and loan types matter most.
Pick Zmarta if cost, offer, apr, and origination fee (%) matter most.
Licences and countries
| Country | AvaFin | Zmarta |
|---|---|---|
| Czechia | Not confirmed | |
| Latvia | Not confirmed | |
| Sweden | Not confirmed |
Additional countries for AvaFin: 5. Additional countries for Zmarta: 1.
Every fact side by side
| Fact | AvaFin | Zmarta |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | AvaFin Holding LTD | Zmarta AB |
| Headquarters | Cyprus | Sweden |
| Founded | 2012 | 1999Lower |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Email, Help centre |
Mortgages
| Fact | AvaFin | Zmarta |
|---|---|---|
| Initial rate | Not confirmed | 2.58% |
| 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 | Zmarta | Median |
|---|---|---|---|
| APR | 7.85% to 52.94%below the median | 7.22%below the median | 8.99 |
| Term | 3 to 84 monthsabove the median | 60 monthsat the median | 60 |
| Origination fee (%) | 9.99%highest quarter | 0%below the median | 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.
Zmarta
Pros
- Early repayment is free, so overtime or a bonus can clear the balance early.
- The lender type is broker, so one application reaches several partner banks.
- A fixed rate model on the home loan side, with an initial rate of 2.58%.
Cons
- A hard credit check runs on applications, and eligibility bars applicants with unpaid debts at the Swedish Enforcement Authority, save for some partner banks.
- Payout waits 1-4 days after signing the loan agreement after the agreement is signed, so urgent bills need a different plan.
- Support runs on phone, email and help centre only, with no live chat among the listed channels.
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.
Zmarta
Who it suits
- Adults in Sweden with a steady income and no unpaid debts held by the Swedish Enforcement Authority, since eligibility is checked up front.
- People consolidating existing debts, as personal and debt consolidation covers personal and consolidation lending.
- Homeowners funding renovations, the home improvement use case listed for the unsecured loan.
Who should look elsewhere
- Readers who need money sooner, since Zmarta pays out 1-4 days after signing the loan agreement after signing and can be lined up against Monzo Flex at 10% to 23%.
- Cost-first borrowers, who should set Zmarta's 7.22% against Cashspace ES at 0% and Cashspace at 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 | Zmarta |
|---|---|---|
| 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.
Zmarta
What rate will I pay on a Zmarta personal loan?+
The listed rate is an APR of 7.22%. The worked example pairs that effective rate with a nominal rate a little lower, so the figure to compare on is the effective one. Across the site the median APR sits at 12%, which places Zmarta below the middle of the field.
Does Zmarta charge arrangement or product fees?+
On personal loans the origination fee is 0 SEK and the percentage fee is 0%, so borrowing carries no upfront charge. On the mortgage side the product fee is listed as SEK 0. Early repayment is free too, so overpaying is not penalised.
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