Updated October 14, 2026 · BorrowCue Editorial Team
BAWAG vs Mrfinan FR
What sets them apart
| Compare | BAWAG ReviewSee alternativesSee alternatives |  Mrfinan FR |
|---|---|---|
| Loan amount | €4,000 to €75,000Higher | €100 to €50,000 |
| Term | 12 to 120 months | 120 months |
| Arrangement fee | 0 EUR - no processing fee (keine Bearbeitungsgebuehr) | 0 EUR, free (no fee charged for the application or brokering) |
| Funding time | Payout within 24 hours | Options known in under 24 hours, money usually received within the following working days |
| Lender type | Direct lender | Broker |
| Eligibility | Minimum age 18, main residence in Austria | Legal age (18) and resident in France, with provable income, a bank account in the applicant's name, ID, mobile phone and email |
| Loan types | Personal, Debt consolidation, Car | Personal, Debt consolidation, Car, Business, Guarantor, BridgingCovers more |
| APR | Not confirmed | 1.84% to 21.14% |
| Representative example | Not confirmed | Prêt personnel: 50 000 EUR over 10 years at 5.4% interest, monthly payment 540.16 EUR, total paid 64 818.87 EUR |
| Rate type | Fixed | Not confirmed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- BAWAG scores higher overall: 9.1 vs 8.9.
- Mrfinan FR is available in 6 more countries.
- Loan amount is higher at BAWAG: €4,000 to €75,000 vs €100 to €50,000.
- Support channels: only BAWAG offers Phone, Help centre.
- Loan types: only Mrfinan FR offers Business, Guarantor, Bridging.
Our verdict on each
BAWAG
BAWAG’s Online Kredit is an Austrian consumer loan with an online application. The process includes identity confirmation and signing the loan agreement, and applicants must have their primary residence in Austria.
Mrfinan FR
Mrfinan FR suits French borrowers with provable income and a weaker credit file who would rather be matched to a lender than borrow from one. The arrangement fee is free, personal loans run at rates of 1.84% to 21.14%, and the contract sits with a partner lender.
Score breakdown
| Area | BAWAG | Mrfinan FR |
|---|---|---|
| Cost | 8.9 | 9.7Higher |
| Offer | 9.4Higher | 8.8Broker, so the lender is a partner. Free arrangement fee, rates of 1.84% to 21.14% and amounts of €100 to €50,000 |
| Trust | 9.2Higher | 8.3 |
Pick BAWAG if, pick Mrfinan FR if
Pick BAWAG if offer, trust, and loan amount matter most.
Pick Mrfinan FR if cost and loan types matter most.
Availability and regulation
| Country | BAWAG | Mrfinan FR |
|---|---|---|
| Austria | Not confirmed |
Additional countries for BAWAG: 1. Additional countries for Mrfinan FR: 7.
Ranges side by side
| Fact | BAWAG | Mrfinan FR |
|---|---|---|
| Loan amount | €4,000 to €75,000 | €100 to €50,000 |
Positions in our rankings
| Ranking | BAWAG | Mrfinan FR |
|---|---|---|
| Personal loans | 526 of 1920 | 837 of 1920 |
| Debt consolidation loans | 165 of 425 | 289 of 425 |
| Mortgages | 159 of 716 | 298 of 716 |
| Car loans | 141 of 432 | 265 of 432 |
| Home improvement loans | 217 of 562 | 378 of 562 |
A third option
Deudafix has loan amount at €5,000 to €5,000,000, against €4,000 to €75,000 for BAWAG and €100 to €50,000 for Mrfinan FR.
Deudafix reviewEvery fact side by side
| Fact | BAWAG | Mrfinan FR |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Credit line |
| Legal entity | BAWAG P.S.K. Bank fuer Arbeit und Wirtschaft und Oesterreichische Postsparkasse Aktiengesellschaft | FINANSI GROUP SL (CIF B-66.240.672, ESB66240672) |
| Headquarters | Austria | Spain |
| Support channels | Phone, Email, Help centreCovers more |
Mortgages
| Fact | BAWAG | Mrfinan FR |
|---|---|---|
| Initial rate | Not confirmed | 1.84% to 21.14% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | BAWAG | Mrfinan FR | Median |
|---|---|---|---|
| APR | Not confirmed | 1.84% to 21.14%lowest quarter | 8.99 |
| Loan amount | €4,000 to €75,000above the median | €100 to €50,000above the median | €40,000 |
| Term | 12 to 120 monthshighest quarter | 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1152 listed lenders.
Pros and cons
BAWAG
Pros
- The Online Kredit is described as a consumer loan with an online application.
- The described application includes identity confirmation and contract signing.
Cons
- Applicants must have their primary residence in Austria; lender requirements also apply.
Mrfinan FR
Pros
- No arrangement fee for the application or for the brokering, with product fees of €0
- Personal loan rates of 1.84% to 21.14% over terms of 120
- Personal, debt consolidation, car, business, guarantor and bridging loans are covered, plus a credit line
Cons
- Support runs on email only, so progress on an application depends on email replies
- As a broker (broker), Mrfinan FR passes the application to a partner lender, so the rate and terms come from that lender
- The credit check is hard, so a refused application still shows on the credit file: hard
Who each suits
BAWAG
Who it suits
- People with primary residence in Austria who want to compare online consumer-loan applications.
Who should look elsewhere
- Applicants without primary residence in Austria.
Mrfinan FR
Who it suits
- Adults resident in France with provable income, a bank account in their own name and ID
- Borrowers with a poor credit file who still want a personal loan or a consolidation loan
- Anyone who wants to apply free rather than pay a broker fee
Who should look elsewhere
- Borrowers who want a named lender from the outset, since Mrfinan FR matches offers to partner lenders
- Monzo Flex, if you would rather price an offer yourself before applying
- Cashspace, if a stated rate on the lender's own site suits you better than a broker introduction
Current offers
BAWAG
Current offer
Discount code
Konto Prozent: 5% account fee back with Online Kredit: 5% account management fee back monthly, up to 45% in total with Konto Prozent
Register via BAWAG Banking App; applies to KontoBox Small, Medium, Large and XLarge salary, private and pension accounts; credit approval required
Source, checked September 26, 2026
Country by country
| Country | BAWAG | Mrfinan FR |
|---|---|---|
| Austria | Yes | No |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Mexico | No | Yes |
| Spain | No | Yes |
| Sweden | No | Yes |
| United States | No | Yes |
Questions about each
Mrfinan FR
Does Mrfinan FR charge a fee to apply?+
The arrangement fee is listed as free, with no charge for the application or for the brokering, and product fees are €0. The cost of borrowing sits in the interest rate set by the partner lender.
How much can I borrow, and for how long?+
Loan amounts are €100 to €50,000 and terms run 120, with a fixed period of 10. Loan types listed include personal, debt consolidation, car, business, guarantor and bridging, plus a credit line.
What rate will I pay?+
The listed rate band is 1.84% to 21.14%, the same range as the APR of 1.84% to 21.14%. Your actual rate comes from the partner lender Mrfinan FR matches you with, since the site works as a broker rather than a lender.
Who can apply?+
Applicants must be adults resident in France with provable income, a bank account in their own name, ID, a mobile phone and an email. The same eligibility applies across the loan types listed, from a personal loan of €100 to €50,000 to a consolidation loan.