Updated September 28, 2026 · BorrowCue Editorial Team
Extraportfel vs Finteres
Extraportfel vs Finteres: the differences
| Compare |  Extraportfel |  Finteres |
|---|---|---|
| APR | 298.92% | 0% to 36%Lower |
| Loan amount | PLN 500 to PLN 15,000 | €100 to €5,000 |
| Term | 30 monthsHigher | 3 to 4 months |
| Arrangement fee | 1.00 PLN registration fee (refunded to the borrower); commission 108.20 PLN on a 1000 PLN loan | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Same day, in most cases within minutes, disbursed 24/7 via Przelewy24; contractually within 4 business days of the approval notification | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| 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% | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Lender type | Direct lender | Broker |
| 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 | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Origination fee (%) | 10.82% | 0%Lower |
| Loan types | Payday, Personal | Personal, Payday, Debt consolidation, CarCovers more |
| Rate type | Variable | Not confirmed |
Same on both: Free early repayment (Yes), Credit needed (Poor).
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Key differences
- Extraportfel scores higher overall: 8.9 vs 8.8.
- APR is lower at Finteres: 0% to 36% vs 298.92%.
- Origination fee (%) is lower at Finteres: 0% vs 10.82%.
- Term is higher at Extraportfel: 30 months vs 3 to 4 months.
- Loan types: only Finteres offers Debt consolidation, Car.
Our verdict on each
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.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | Extraportfel | Finteres |
|---|---|---|
| Cost | 8.5The annual percentage rate is 298.92% against a site median of 12%, with a commission of 10.82% on top. | 9.5HigherArrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 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). | 8.7 |
| Trust | 9.2Higher | 8.3 |
Feature by feature
| Loan types | Extraportfel | Finteres |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
Pick Extraportfel if, pick Finteres if
Pick Extraportfel if offer, trust, and term matter most.
Pick Finteres if cost, apr, origination fee (%), and loan types matter most.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 298.92% for Extraportfel and 0% to 36% for Finteres.
FINANZCHECK.de reviewWhat we checked
Extraportfel
- extraportfel.pl: 18 facts, checked September 26, 2026
Finteres
- finteres.es: 17 facts, checked September 26, 2026
How they place
| Ranking | Extraportfel | Finteres |
|---|---|---|
| Personal loans | 115 of 1920 | 27 of 1920 |
| Payday and short-term loans | 42 of 247 | 12 of 247 |
| Loans for bad credit | 60 of 276 | 16 of 276 |
Every fact side by side
| Fact | Extraportfel | Finteres |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | AvaFin Poland sp. z o.o. | Fininity OÜ |
| Headquarters | Poland | Estonia |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Extraportfel | Finteres | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | 0% to 36%lowest quarter | 8.99% |
| Term | 30 monthsbelow the median | 3 to 4 monthslowest quarter | 60 months |
| Origination fee (%) | 10.82%highest quarter | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
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.
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
Who each suits
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%.
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
Current offers
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Extraportfel | Finteres |
|---|---|---|
| Poland | Yes | No |
| Spain | No | Yes |
Questions about each
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.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
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