I love my Arsenal (SLR-107CR). It's a Bulgarian with the polymer side folder, optics rail on the side of the receiver, and has a FSB/gas block combo which made it the ideal platform for an SBR project. My stamp should be here in the next month, or so at which time my Arsenal will be about as close to an AK-104 clone as I can get... 12.5" barrel and all.
If you want a 7.62x39mm, you want it to say Arsenal on it, and you'd like a polymer side folder, then I would steer you toward an SLR-107 series rifle, or perhaps a used SGL-21 series if you can find one with a folder that fits your budget. Either way, Arsenal makes excellent AK's.
Arsenal SLR107CR Owner/Operator