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Avinto review

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

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Our verdict

Avinto is a Polish loan broker for adults with verifiable income who need a short bridge to payday rather than a cheaper loan spread over years. It arranges payday and personal loans of PLN 500 to PLN 15,000 in zloty, so speed decides the case and price does not.

Key facts

Best for
A short zloty bridge for Polish residents who can clear the sum inside a very short window.
APR
297.36% to 297.43%↗
Loan amount
PLN 500 to PLN 15,000↗
Term
30 months↗
Arrangement fee
541.05 PLN commission on a 5000 PLN, 30 day loan; 162.32 PLN commission on the 1500 PLN representative example↗
Credit check
Hard↗
Funding time
Decision in under 15 minutes on average; transfer to the account within 24 hours of signing the agreement↗
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)↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
Yes↗
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↗
Loan types
Payday, Personal↗
Credit needed
Fair↗
Legal entity
Wandoo Finance sp. z o.o., KRS 0000629774, NIP 5252670955↗
Headquarters
Poland↗
Founded
2016↗
Support channels
Phone, Email, Help-centre↗
Features
Same-day funding
Official website
avinto.pl

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Free early repayment is included, so settling before the deadline cuts the interest paid
  • Support runs on phone, email and help centre, so phone, email and a help centre are all there
  • Speed is the selling point: a decision in minutes on average, then the transfer to your own account once you sign

Cons

  • The annual percentage rate of 297.36% to 297.43% sits far above 10.74% to 18.06% at Sofkredit
  • Every application runs a hard credit check, and that check is the most common kind across borrowing listings (76.1%)
  • The rate is variable, so the interest rate is not locked for the life of the loan
Avinto

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Adults in Poland with a verifiable regular income who can repay inside a very short window
  • People who keep a bank account in their own name at a Polish bank and want a fast transfer
  • Borrowers who will settle the balance early and benefit from free early repayment

Who should look elsewhere

  • Anyone spreading a larger purchase over years, since Sofkredit shows an annual percentage rate of 10.74% to 18.06%
  • Borrowers who need a much larger sum, since Creduma ES lends from from €12,000
  • Applicants who want a lighter starting rate, since Cashspace shows an annual percentage rate of PHP 12 to PHP 36

Safety of your money

Avinto works as a broker rather than lending from its own book, and it appears on the Komisja Nadzoru Finansowego register of credit intermediaries in Poland, so the intermediary side is registered. Cost is where the caution sits: the standard loan example pairs an annual percentage rate of 297.36% to 297.43% with a variable interest rate over a term of 30, and the total repayable lands well above the sum borrowed.

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 does it cost to borrow through Avinto?+

The annual percentage rate is 297.36% to 297.43% and the rate type is variable, so the figure is high and can move. The standard example shows the total repayable landing well above the sum borrowed, which is the point to weigh before applying.

What arrangement fee is charged?+

Avinto charges a commission on top of the interest, and that commission climbs steeply with the amount borrowed. The example at the top of the loan range carries a far heavier charge than the standard loan of 30, so borrowing a larger sum here costs disproportionately more.

How fast do I get the money?+

Avinto lists same day funding as a feature and states that a decision comes within minutes on average, with the transfer to your own account sent once you have signed the agreement. That makes the case about speed rather than the lowest cost.

Who can apply for a loan?+

Applicants need a minimum age, Polish citizenship or permanent residence in Poland, valid ID, a bank account in their own name at a Polish bank, verifiable regular income and an active mobile number and email. A fair credit standing is what Avinto asks for (fair).

Who is behind the loans?+

Avinto is a broker rather than the lender itself, and it appears on the Komisja Nadzoru Finansowego register of credit intermediaries in Poland. The operator named in its statute is Wandoo Finance sp. z o.o., KRS 0000629774, NIP 5252670955, so the contract names one registered company.

What credit check is used?+

Every application runs a hard credit check, so a request can leave a mark on your credit file even if you never take the loan. Avinto asks for a fair credit standing (fair), and a thin file makes approval harder.

How is support handled?+

Help runs on phone, email and help centre, so a borrower can phone, email or use the help centre. With a term of 30, the window to sort a problem is short, so direct contact matters more than a long queue.

Can I repay the loan early?+

Yes, free early repayment is offered, so clearing the loan before the 30 deadline cuts the interest. The rate type is variable, which means a rate change can alter the amount owed but does not make early settlement a charge.

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

A short zloty bridge for Polish residents who can clear the sum inside a very short window.

8.7/10Visit