Extraportfel review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
A short same-day bridge for Polish residents who will clear the balance quickly.
APR
298.92% (Source, checked September 26, 2026)
Loan amount
PLN 500 to PLN 15,000 (Source, checked September 26, 2026)
Term
30 months (Source, checked September 26, 2026)
Arrangement fee
1.00 PLN registration fee (refunded to the borrower); commission 108.20 PLN on a 1000 PLN loan (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day, in most cases within minutes, disbursed 24/7 via Przelewy24; contractually within 4 business days of the approval notification (Source, checked September 26, 2026)
Representative example
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% (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
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 (Source, checked September 26, 2026)
Origination fee (%)
10.82% (Source, checked September 26, 2026)
Loan types
Payday, Personal (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
AvaFin Poland sp. z o.o. (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
extraportfel.pl

Pros and cons

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.
Extraportfel

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Scored 8.9 / 10 by BorrowCue.

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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%.

How your money is protected

Extraportfel is a direct lender, so the borrower deals with the party that holds the loan for the whole term rather than with a broker. The published representative example is the clearest view of the money side: the commission and the capital interest are listed on top of the amount borrowed, with the total repayable and the annual percentage rate shown together. That example is the figure to test any quote against.

How Extraportfel compares

Where Extraportfel is available

Available
Poland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How quickly does the money arrive?+

Money usually goes out on the day of approval and in a lot of cases within minutes, with payouts possible at night and at weekends. The contract also sets a deadline counted in business days from the approval notice, and the same-day funding feature same day funding points to the same speed.

What credit check and credit history are needed?+

Applications run a hard credit check, and the product is aimed at applicants with poor credit. That means a full file search rather than a soft prequalification, so a missed payment elsewhere still counts against the record.

Who can apply?+

The lender is AvaFin Poland sp. z o.o., and borrowing is limited to Poland. Applicants must be adults within a stated age band, hold a Polish ID card or a permanent residence card, live in Poland, and have a personal bank account, mobile and email address registered in the country.

Can I repay early without a penalty?+

Clearing the balance early carries no charge, which matches most lenders here, at 81.2%. Because the rate is variable, a shorter life in the loan cuts both the interest and the commission period.

How do I reach support?+

Help runs through email, phone and help centre, so a borrower can phone, write or work through the help centre. As a direct lender, direct lender means contract questions go to the same party that holds the loan.

Sources

  • extraportfel.pl checked September 26, 2026

    Backs: APR, Credit needed, Features, Headquarters, Legal entity, Loan types, Representative example, Support channels, Term

    “Real Annual Percentage Rate of Charge (RRSO) 298.92%. As of 05.03.2026”

  • extraportfel.pl/faq checked September 26, 2026

    Backs: Eligibility

    “between 19 and 75 years of age, identity card or permanent residence card issued in Poland, mobile phone registered in Poland, e-mail address, residence address in Poland, individual bank account...”

  • extraportfel.pl/o-nas checked September 26, 2026

    Backs: Loan amount

    “our offer includes online loans from 500 to 15 000 PLN for a period of 30 days”

  • extraportfel.pl/umowa-pozyczki checked September 26, 2026

    Backs: Credit check, Free early repayment, Funding time, Lender type, Arrangement fee, Origination fee (%), Rate type

    “obtained a positive creditworthiness assessment on the basis of information provided by the Lender and information obtained from credit information offices, the Credit Information Bureau or from the...”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Extraportfel

Extraportfel

A short same-day bridge for Polish residents who will clear the balance quickly.

8.9/10Visit

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