Updated September 29, 2026 · BorrowCue Editorial Team
CashX vs Extraportfel
What sets them apart
| Compare |  CashX |  Extraportfel |
|---|---|---|
| Loan amount | LKR 5,000 to LKR 300,000 | PLN 500 to PLN 15,000 |
| Term | 5 to 30 months | 30 months |
| Arrangement fee | Consulting and service fees, 0% to 2.2% per day | 1.00 PLN registration fee (refunded to the borrower); commission 108.20 PLN on a 1000 PLN loan |
| Funding time | Money credited to bank account within two hours of approval | Same day, in most cases within minutes, disbursed 24/7 via Przelewy24; contractually within 4 business days of the approval notification |
| Representative example | Borrow RS 10,000 over 10 days, repayment RS 12,200 in total | 1000 PLN for 30 days, variable interest 14.50% per year, commission 108.20 PLN, capital interest 11.89 PLN, total cost 120.09 PLN, total repayable 1120.09 PLN, APR (RRSO) 298.92% |
| Rate type | Fixed | Variable |
| Eligibility | Age 18 to 60, employed or with a steady income, located in Sri Lanka (terms page: Sri Lankan citizens aged 20 or older, site for use within Sri Lanka) | Age 19 to 75, Polish ID card or permanent residence card, mobile phone registered in Poland, e-mail address, residence in Poland, personal bank account registered in Poland |
| APR | Not confirmed | 298.92% |
| Credit check | Not confirmed | Hard |
| Origination fee (%) | Not confirmed | 10.82% |
Same on both: Lender type (Direct lender), Free early repayment (Yes), Loan types (Personal, Payday), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- CashX scores higher overall: 9.2 vs 8.9.
- Support channels: only CashX offers Chat.
Our verdict on each
CashX
CashX lends directly in Sri Lanka and pays out fast, with money reaching your bank account Money credited to bank account within two hours of approval. Borrowing suits employed adults who need a short personal or payday loan and want to clear it early without extra cost.
Extraportfel
Extraportfel is a Polish direct lender for short personal and payday loans, made for borrowers in Poland who need cash the same day and accept a steep price. The annual percentage rate is 298.92%, so it works as a bridge to the next payday rather than as cheap credit.
Score breakdown
| Area | CashX | Extraportfel |
|---|---|---|
| Cost | 9.2Higher | 8.5The annual percentage rate is 298.92% against a site median of 12%, with a commission of 10.82% on top. |
| Offer | 9.2Higher | 9.1Loan amounts of PLN 500 to PLN 15,000, same-day funding, and a hard credit check aimed at applicants with poor credit (poor). |
| Trust | 9.2 | 9.2 |
Positions in our rankings
| Ranking | CashX | Extraportfel |
|---|---|---|
| Personal loans | 443 of 1920 | 115 of 1920 |
| Payday and short-term loans | 99 of 247 | 42 of 247 |
| Loans for bad credit | 101 of 276 | 60 of 276 |
What we checked
CashX
- cashx.lk: 16 facts, checked September 26, 2026
Extraportfel
- extraportfel.pl: 18 facts, checked September 26, 2026
Every fact side by side
| Fact | CashX | Extraportfel |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | A V Business Solutions (Private) Limited | AvaFin Poland sp. z o.o. |
| Headquarters | Sri Lanka | Poland |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | CashX | Extraportfel | Median |
|---|---|---|---|
| APR | Not confirmed | 298.92%highest quarter | 8.99% |
| Term | 5 to 30 monthsbelow the median | 30 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 10.82%highest quarter | 0.25% |
Median across 1152 listed lenders.
Pros and cons
CashX
Pros
- Fixed rate borrowing, so the cost does not move while you repay: fixed
- Fast payout straight to a bank account: Money credited to bank account within two hours of approval
- Free early repayment, so settling sooner costs no extra fee
Cons
- Fees are heavy at the top of the range: Consulting and service fees, 0% to 2.2% per day
- The shortest representative example costs Borrow RS 10,000 over 10 days, repayment RS 12,200 in total
- Credit is aimed at poor credit files, which narrows who is likely to be accepted: poor
Extraportfel
Pros
- Approved cash is paid out on the day, in a lot of cases within minutes, with transfers running at night and at weekends.
- Clearing the balance early carries no extra charge.
- Support by email, phone and a help centre, so a borrower has more than one way to ask.
Cons
- The annual percentage rate of 298.92% sits far above the site median of 12%.
- A hard credit check stands in front of the offer, and the product targets poor credit.
- Interest is variable, and a commission of 10.82% applies on top of the amount borrowed.
Who each suits
CashX
Who it suits
- Employed adults in Sri Lanka with a steady income who need money quickly
- Borrowers who can settle the balance early and want to pay no early repayment fee
- Anyone looking for personal and payday loans from a direct lender rather than a broker
Who should look elsewhere
- Anyone outside Sri Lanka, since the site is for use within Sri Lanka and applicants must be located there
- People wanting a large long term loan, since terms run 5 to 30 and amounts top out at LKR 5,000 to LKR 300,000
Extraportfel
Who it suits
- Adults living in Poland with a Polish ID card or residence card, a local bank account and a local mobile who need cash today.
- Borrowers with poor credit who plan to clear the balance inside a term of 30.
- People able to absorb a variable rate plus a commission of 10.82% of the amount borrowed.
Who should look elsewhere
- Borrowers spreading a large sum over years: Monzo Flex offers personal loans at 10% to 23%, while the term here runs 30.
- Anyone priced out by 298.92%, since Cashspace quotes PHP 12 to PHP 36 on short-term borrowing.
- Borrowers who cannot carry a commission of 10.82%, as Cashspace ES lists 0%.
Current offers
CashX
Current offer
Discount code
Exclusive offer! Interest from 0.01%: Interest from 0.01%
Source, checked September 26, 2026
Country by country
| Country | CashX | Extraportfel |
|---|---|---|
| Poland | No | Yes |
| Sri Lanka | Yes | No |
Questions about each
CashX
What does CashX charge for borrowing?+
CashX charges consulting and service fees, listed as Consulting and service fees, 0% to 2.2% per day. The worked example on the site shows Borrow RS 10,000 over 10 days, repayment RS 12,200 in total, which is the clearest way to see the true cost of a short loan. Work out the total you will repay before you sign.
How fast do I get the money?+
CashX states that Money credited to bank account within two hours of approval. Same day funding is one of the features of the service, so a payday style loan can cover a bill that cannot wait for a pay cycle. Approval still depends on the checks CashX runs.
Extraportfel
What does a loan from Extraportfel cost?+
The published annual percentage rate is 298.92%, well above the site median of 12%. Interest is variable, and a commission of 10.82% is charged on the amount borrowed, while a small registration fee is taken and refunded to the borrower.
How much can I borrow and for how long?+
Borrowers can take PLN 500 to PLN 15,000, and the term runs 30. The site median term is 36, so this sits at the short end and suits a gap between paydays rather than a planned purchase.