Updated September 29, 2026 · BorrowCue Editorial Team
CreditoZen vs Extraportfel
Where CreditoZen and Extraportfel differ
| Compare |  CreditoZen |  Extraportfel |
|---|---|---|
| Loan amount | €100 to €2,000 | PLN 500 to PLN 15,000 |
| Term | 3 months | 30 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 1.00 PLN registration fee (refunded to the borrower); commission 108.20 PLN on a 1000 PLN loan |
| Funding time | under 24 business hours | Same day, in most cases within minutes, disbursed 24/7 via Przelewy24; contractually within 4 business days of the approval notification |
| Lender type | Broker | Direct lender |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | 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 |
| Origination fee (%) | 0%Lower | 10.82% |
| APR | Not confirmed | 298.92% |
| Representative example | Not confirmed | 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 | Not confirmed | Variable |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard), Loan types (Payday, Personal).
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Key differences
- Extraportfel scores higher overall: 8.9 vs 8.8.
- Origination fee (%) is lower at CreditoZen: 0% vs 10.82%.
- Term is higher at Extraportfel: 30 months vs 3 months.
- Support channels: only Extraportfel offers Phone.
Our verdict on each
CreditoZen
CreditoZen suits adults in Spain who need a small short-term loan, with a term of 3 and funding under 24 business hours. The catch is the ceiling: €100 to €2,000 covers a single small expense, so anyone borrowing for a bigger cost should look at Cashspace ES or Monzo Flex instead.
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 | CreditoZen | Extraportfel |
|---|---|---|
| Cost | 9.5HigherThe origination fee is 0 EUR (no hidden fees) over a 3 term, so a loan of this size costs little to carry. | 8.5The annual percentage rate is 298.92% against a site median of 12%, with a commission of 10.82% on top. |
| Offer | 8.5The range is the weak point: €100 to €2,000 covers a single small market, and payday and personal offers two loan types only. | 9.1HigherLoan amounts of PLN 500 to PLN 15,000, same-day funding, and a hard credit check aimed at applicants with poor credit (poor). |
| Trust | 8.3 | 9.2Higher |
How they place
| Ranking | CreditoZen | Extraportfel |
|---|---|---|
| Personal loans | 10 of 1920 | 115 of 1920 |
| Payday and short-term loans | 2 of 247 | 42 of 247 |
Choosing between them
Pick CreditoZen if cost and origination fee (%) matter most.
Pick Extraportfel if offer, trust, and term matter most.
Every fact side by side
| Fact | CreditoZen | Extraportfel |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Ban kos Technology OÜ | AvaFin Poland sp. z o.o. |
| Headquarters | Estonia | Poland |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | CreditoZen | Extraportfel | Median |
|---|---|---|---|
| APR | Not confirmed | 298.92%highest quarter | 8.99% |
| Term | 3 monthslowest quarter | 30 monthsbelow the median | 60 months |
| Origination fee (%) | 0%below the median | 10.82%highest quarter | 0.25% |
Median across 1152 listed lenders.
Pros and cons
CreditoZen
Pros
- The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so nothing is added to the sum you borrow.
- Money lands in under 24 business hours, quick enough for a bill that falls due this week.
- The term is 3, so the borrowing episode stays short and the interest charge stays small.
Cons
- €100 to €2,000 is a low ceiling for anything larger; Cashspace ES offers €100 to €5,000 and Monzo Flex £10,000 to £35,000 for bigger sums.
- The credit check is a hard one, so a refused application is visible to other lenders.
- Support runs on email and help centre only, so there is no phone line for a payment that is about to be taken.
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
CreditoZen
Who it suits
- Adults living in Spain with a valid DNI or NIE and a Spanish bank account, who can clear €100 to €2,000 within 3.
- Borrowers who want 0 EUR (no hidden fees) as the only cost and who are comfortable with a hard credit check.
- People who need a small sum quickly; Monzo Flex is the alternative for a far larger facility at £10,000 to £35,000.
Who should look elsewhere
- Anyone borrowing for a renovation or a car, since €100 to €2,000 will not stretch that far and Cashspace ES offers €100 to €5,000.
- Applicants living outside Spain or without a Spanish bank account, since eligibility is limited to adults resident in Spain.
- Anyone who wants to talk to someone: support runs on email and help centre, with no phone line listed.
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
CreditoZen
Current offer
Bonus
Préstamo rápido al 0% de interés: 0% interest, loans up to EUR 2000
Approval and final terms depend on the selected lender
Source, checked September 26, 2026
Country by country
| Country | CreditoZen | Extraportfel |
|---|---|---|
| Poland | No | Yes |
| Spain | Yes | No |
Questions about each
CreditoZen
Is there a fee for taking out a loan with CreditoZen?+
No arrangement fee applies. The origination fee is 0 EUR (no hidden fees), and the percentage fee on the sum is 0%, so the amount approved is the amount that lands in your account. On a loan of €100 to €2,000 over 3 that keeps the cost of borrowing low next to lenders that add a charge for setting the loan up.
How much can I borrow, and over what term?+
CreditoZen lends €100 to €2,000, and the term is 3. That pair suits an unplanned bill: the balance is small enough to clear in a short repayment period, and the shorter the period, the less interest builds up. It is not the shape of loan for a large project, where a longer term would bring the instalment down.
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.