Avinto — reviews, costs and terms 2026
Avinto offers payday loans online from PLN 100 to PLN 5,000 for 5–45 days. First loan for new customers at 0% APR. Decision in 15 minut.
Amount
PLN 100 – 5,000
Term
5 – 45 days
APR
0% – 700%
First loan
0 PLN (0% APR)
Payout
15 minut
About Avinto
Avinto is a relatively new player on the Polish non-bank market. It positions itself as a "minimum paperwork" lender — the procedure is as simple as possible, decisions are automated within minutes.
Loans range from PLN 100 to PLN 5,000. First loan for a new customer — up to PLN 2,000 at PLN 0 cost. Subsequent loans at standard pricing (compliant with the anti-usury cap of 45% non-interest cost per year).
Avinto runs a soft BIK/KRD check — current arrears are disqualifying, historical delays not necessarily. The company is itself registered in KRD as a trustworthy lender.
Pros
- +First loan up to PLN 2,000 at PLN 0 cost
- +Fully online, simple procedure
- +Flexible term (5–45 days)
- +Lenient verification
Cons
- −Short max term (45 days)
- −Free first loan capped at PLN 2,000
- −Rollovers expensive
Requirements
- Age 20–70
- Polish citizenship
- Income from any source
- Bank account and phone number
Ready to apply at Avinto?
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Go to AvintoFrequently asked questions about Avinto
How long does the loan process take?
Around 10–15 minutes from submission to transfer. ID verification is automated — no human review except edge cases.
Does Avinto lend to people with weaker credit?
Yes, with limits. The company looks at current arrears (not historical). People with KRD or BIK entries for active debts over PLN 200 will not get a loan.
What are rollover costs?
A 30-day rollover costs ~15–25% of the principal. On a first (free) loan, any rollover cancels the PLN 0 promo.
