Avinto review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Avinto suits Polish borrowers covering a short, urgent gap who value speed over cost. It is a broker, and its APR of 297.36% to 297.43% is one of the most expensive on the market, so the same-day funding comes at a steep premium.

Key facts

Best for
Polish residents who need a small bridge loan within a day and can clear the full balance quickly.
APR
297.36% to 297.43% (Source, checked September 26, 2026)
Loan amount
PLN 500 to PLN 15,000 (Source, checked September 26, 2026)
Term
30 months (Source, checked September 26, 2026)
Arrangement fee
541.05 PLN commission on a 5000 PLN, 30 day loan; 162.32 PLN commission on the 1500 PLN representative example (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Decision in under 15 minutes on average; transfer to the account within 24 hours of signing the agreement (Source, checked September 26, 2026)
Representative example
Standard loan: RRSO 297.43% on a 1500 PLN loan for 30 days, interest rate 14.5% variable, commission 162.32 PLN, interest 17.82 PLN, total repayable 1680.14 PLN (as of 04.03.2026) (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age 18 to 80, Polish citizenship or permanent residence in Poland, valid ID, bank account in own name at a Polish bank, verifiable regular income, active mobile number and email (Source, checked September 26, 2026)
Loan types
Payday, Personal (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Wandoo Finance sp. z o.o., KRS 0000629774, NIP 5252670955 (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
avinto.pl

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Decisions come fast and money arrives within a day of signing, on an offer that can fund PLN 500 to PLN 15,000
  • Free early repayment, so clearing the loan early costs nothing extra
  • Payday and personal loan types, 30 term, and a hard credit check scored on hard credit needs
  • Support runs on phone, email and help centre for questions before and after signing

Cons

  • APR of 297.36% to 297.43% sits far above cheaper personal loans, and the arrangement fee is high on a small balance
  • The rate is variable, so the interest charge can move
  • Broker model means Avinto matches you to a partner lender rather than lending directly
Avinto

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Who it suits

  • Polish citizens or permanent residents with verifiable regular income and a Polish bank account
  • Adults with a fair credit record who can pass a hard credit check
  • Borrowers who need the cash in the account within a day of agreeing terms

Who should look elsewhere

  • Anyone wanting a long fixed-rate loan: 30 term and a variable rate leave no room to spread the cost
  • Monzo Flex, listed at 10% to 23%, suits anyone who wants to borrow for longer at a much lower cost
  • Cashspace ES, at 0%, serves a different market entirely

Where it sits among rivals

On loan amount, Avinto sits at 519 of 685 brands tracked on the site, and on term it ranks 136 of 232. Borrowings span PLN 500 to PLN 15,000 across a term of 30, and the APR of 297.36% to 297.43% places the offer at the costly end of the table. The position reflects a short, fast, expensive corner of the market rather than a loan spread over years.

Who runs it

Avinto is a broker based in Poland, trading since 2016, and the legal entity behind the service is Wandoo Finance sp. z o.o., KRS 0000629774, NIP 5252670955. Applications run through the intermediary rather than a lending balance sheet of its own. Support is available on phone, email and help centre, so borrowers can ask questions by phone, by email or through the help centre before and after a loan is agreed. The same channels take questions about a loan already running.

How Avinto compares

Where Avinto is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (KNF) - credit intermediary (posrednik kredytowy) register, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does Avinto charge?+

Avinto quotes an APR of 297.36% to 297.43%, with a representative example of a small personal loan carrying a high total cost relative to the amount borrowed. Compare that with a longer fixed-rate loan before you commit.

How much can I borrow?+

Amounts run from PLN 500 to PLN 15,000, which covers both payday and personal loans. The smaller end suits an emergency; the top of the range is worth checking against cheaper personal loans.

How long is the term?+

The term is 30, so this is short-term borrowing rather than a loan spread over years. Avinto describes itself as a broker offering payday and personal loans.

What does the arrangement fee look like?+

The arrangement fee is a commission added on top of interest, and the published example takes a meaningful slice of a small balance. The commission and the interest together drive the APR of 297.36% to 297.43%, so the cost falls hardest on the smallest loans.

Is Avinto regulated?+

Avinto appears on the Komisja Nadzoru Finansowego register as a credit intermediary in Poland, and it works as a broker rather than a lender, so the loan itself is made by a partner. PL is where the legal entity, Wandoo Finance sp. z o.o., KRS 0000629774, NIP 5252670955, is registered.

What credit check do I need?+

The credit check is hard, and the level needed is described as fair, so an average credit record should be enough. A hard check leaves a mark on the file, so it pays to apply only if an offer is likely.

How fast do I get the money?+

Decisions typically come back quickly, and the transfer reaches your account within a day of you signing the agreement, which lines up with the same-day funding feature at same day funding. Speed, not cost, is what this offer sells.

Can I repay early without a charge?+

Free early repayment is offered, so clearing the balance sooner costs nothing extra, and the same 30 term applies. Given an APR of 297.36% to 297.43%, repaying as fast as possible is the main way to limit what you pay.

Sources

  • avinto.pl checked September 26, 2026

    Backs: Loan amount, Credit needed, Features, Founded, Free early repayment, Funding time, Lender type, Loan types, Support channels, Term, Licences

    “W Avinto posredniczymy w chwilowkach, czyli pozyczkach ze splata jednorazowa ... Wniosek o zawarcie umowy pozyczki, bedaca umowa o kredyt konsumencki”

  • avinto.pl/faq checked September 26, 2026

    Backs: Credit check, Eligibility

    “Tak. Firmy pozyczkowe wspolpracujace z Avinto weryfikuja historie kredytowa w BIK i innych bazach danych”

  • avinto.pl/notaprawna checked September 26, 2026

    Backs: APR, Arrangement fee, Rate type, Representative example

    “Representative example standard loan: RRSO 297,43%; refinancing loan: RRSO 297,36%, both for 30 day terms”

  • avinto.pl/statute checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Wandoo Finance sp. z o.o. z siedziba w Warszawie, przy ul. Tytusa Chalubinskiego 8, 00-613 Warszawa”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Avinto

Avinto

Polish residents who need a small bridge loan within a day and can clear the full balance quickly.

8.6/10Visit

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