Avinto

Avinto Payday Loan – what you need to know

Avinto is a short-term loan brand belonging to the credit intermediary Wandoo Finance Sp. z o.o., listed in the Polish Financial Supervision Authority's (KNF) register of credit intermediaries under number RPK017716. The Avinto payday loan is a standard non-bank loan granted for 30 days with a single repayment - designed for sudden, unplanned expenses, not as a substitute for a bank loan or an instalment loan.

APR and loan cost

The Annual Percentage Rate (APR) in the representative example for this loan is 297.43% (a loan of PLN 1,500 for 30 days, variable interest rate 14.5%, commission PLN 162.32, interest PLN 17.82, total to repay PLN 1,680.14, as of 04.03.2026) - this is the only binding measure of the product's total cost and should be treated as the main reference point when comparing offers. For example: a loan of PLN 5,000 for 30 days means interest of PLN 59.40 plus a commission of PLN 541.05, for a total repayment amount of PLN 5,600.45 (the APR for this specific example: 297.41%). The actual cost depends on the amount chosen and is always shown in the calculator on the lender's website before submitting an application - Avinto states there are no hidden fees.

The maximum loan amount for new customers is PLN 5,000. Customers who have repaid previous obligations on time can access a growing limit of up to PLN 15,000. The minimum amount is PLN 500. The repayment period is fixed at 30 days, with a single repayment - no instalments spread over time.

Conditions and requirements

To apply for an Avinto loan you must be between 18 and 80 years old, hold Polish citizenship or the right of permanent residence in Poland, have a valid ID card with a PESEL number, a bank account in your own name at a Polish bank, a regular income, and an active mobile number and e-mail address. Income verification is automatic, through Kontomatik or Transaction Link - there's no need to submit income certificates or mail bank statements.

The lending companies Avinto works with check credit history in BIK and other databases - this is explicitly confirmed in the FAQ section on the Avinto website, which notes that applicants with a negative credit history may not receive the loan.

If a customer knows in advance they won't be able to repay on time, Avinto points to the option of applying for refinancing with the lending companies it works with - the repayment date is then moved by 30 days, giving extra time to settle the debt. This comes with an additional commission, so it's worth checking its cost carefully before using this option. The key is to contact Avinto before, not after, the repayment date.

How to apply

1. Choose the loan amount (PLN 500-5,000 for a first loan, up to PLN 15,000 for later ones) and repayment term (30 days) on the Avinto website
2. Fill in a short form - personal details, PESEL number and e-mail address
3. Confirm your identity and income via Kontomatik or Transaction Link by logging into your online banking (Avinto never sees or stores your bank passwords), or with a PLN 0.01 verification transfer
4. Wait for the decision - on average in less than 15 minutes
5. Once approved, sign the agreement online and receive the money in your account within 24 hours

The whole process is 100% online, with no branch visit and no documents to send by post.

Summary

The Avinto payday loan is a standard short-term non-bank loan with a single repayment after 30 days, available fully online with a decision on average in less than 15 minutes. Its biggest strength is transparency - the cost is visible in the calculator before you apply, and the growing limit of up to PLN 15,000 rewards customers who repay on time. Keep in mind, though, that this is one of the more expensive ways to borrow money - an APR of 297.43% means the loan only makes sense as a genuinely short-term solution, and only when repayment within 30 days is certain.