Online loans from AvaFin

Current promotions

AvaFin takes its customers very seriously, offering them various interesting promotions and facilities.

• First loan - a new client can apply for an amount of up to PLN 5,000 for 30 days. This is a paid offer; commission, interest and the total amount to be paid should be checked before concluding the contract.

  Standard example: PLN 1,000 for 30 days; commission PLN 108.20; interest PLN 11.89; total cost PLN 120.09; total amount to be paid PLN 1,120.09; APR 298.92%.

Documents and requirements

To become an AvaFin customer you must be between 19 and 75 years old. Unfortunately, this is one of the higher required thresholds on the online loan market. The application begins by providing the required data. All you need is basic information from your ID card, telephone number and a Polish bank account. In special cases, the company may ask you to send a scan of your ID card or a scan/PDF file of a bank statement with a salary transfer. However, be careful and make all requests by phone with the customer service office. The scope of additional documents depends on the verification process.

Customer verification in BIK, ERIF, KRD and others

AvaFin verifies its clients using credit and business information databases; The FAQ provides, among others: possibility of checking BIK with the client's consent. Being included in the above registers may make it difficult to obtain a loan from AvaFin.

Granting a loan depends on your individual creditworthiness assessment. Simply submitting an application does not guarantee funding; income, liabilities and verification results matter.

How to get a loan at AvaFin

The process of obtaining a loan at AvaFin is simple and should not cause any problems. The form guides you through the subsequent stages of the application. The first step is to select the loan amount and repayment date. This is done using sliders, during which we will be informed on an ongoing basis about the selected loan amount, its deadline and the loan repayment costs and APR. After selecting the amount, we proceed to completing the loan application form. Only basic data from the ID card and employer data are required. In special cases, AvaFin may ask us to send a bank statement showing salary transfers or a photo of an ID card. Any requests for the above-mentioned documents should always be verified with customer service.

The next step is to confirm the provided personal data by making a verification transfer. Its purpose is to confirm our identity and bank account affiliation. To do this, you must make a transfer of PLN 1 (refundable amount) to the lender's account. All information on how to make the transfer will be displayed on the screen. It is worth making the transfer to the bank account where we have an account. This will speed up the posting of the transfer to a few minutes. If our bank is not on the list of banks supported by AvaFin, the verification time may extend to 24 business hours.

AvaFin also offers immediate electronic bank account verification using the Kontomatik service. Thanks to this method, the application is verified immediately and a transfer of 1 cent is not required. This means that our account balance may be PLN 0. This method requires a bank account with Internet access.

After posting the registration fee or performing verification via the Kontomatik system, the company proceeds to verify the customer, check data compliance and assess his creditworthiness. You will receive the decision to grant or refuse the application to the SMS and e-mail address provided during registration. The lender reserves the right to contact both the client and the employer by phone to confirm the job position. In the event of a positive decision, the money is paid to the account from which the verification fee was made and all necessary information regarding the loan and its repayment will be sent to your email.

When may AvaFin refuse to grant a loan?

• he filled in the village incorrectly
• has his or her salary seized by a bailiff
• is in arrears with the repayment of liabilities to AvaFin
• appears in the debtor registers, especially for larger reasons
• is under 19 years of age or over 75 years of age
• does not have Polish citizenship

Repayment and extension of the repayment deadline

In order to repay the loan, the best solution is to log in to the customer panel, which will provide all the information and instructions needed to repay the loan. The loan is repaid by transferring the appropriate amount to any of the lender's accounts. It is best to choose the bank where we have an account. This will speed up the recording of loan repayment. All the necessary information about repayment is also included in the e-mail that the lender sent to us after granting the loan.

AvaFin offers the possibility of a one-time extension of the repayment deadline by 30 days, if such an option is available in the customer's account. Information about costs and conditions can be found in the panel after logging in. It is worth contacting the customer service office by phone, who will answer questions about the available option.

Consequences of failure to repay the loan

Contact details

• AvaFin
• AvaFin Poland sp. z o. o.
• Customer service office: 519 201 202, info@avafin.pl
• Address: ul. Bukowińska 21, 02-703 Warsaw, NIP: 525 254 89 58

Summary

Without a doubt, AvaFin is one of the best Polish lenders that attaches great importance to customer satisfaction. Applying for a loan is very simple. The first loan at AvaFin is available up to PLN 5,000 for 30 days and is payable. The maximum loan amount at AvaFin is as much as PLN 15,000. In case of problems with repayment of the loan, it can be extended for a fee. The terms of subsequent financing are presented individually. The only drawback may be the high age threshold, which is 19 years.

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