Updated September 28, 2026 · BorrowCue Editorial Team
Extraportfel vs Smava
Extraportfel vs Smava: the differences
| Compare |  Extraportfel |  Smava |
|---|---|---|
| APR | 298.92% | -0.4% to 19.9%Lower |
| Loan amount | PLN 500 to PLN 15,000 | €1,000 to €120,000 |
| Term | 30 months | 6 to 120 monthsHigher |
| 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 | Within a few working days; with digital account check and video ident some banks disburse the same day |
| 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% | Ratenkredit: EUR 50,000 net loan, 60 months, 8.70% effective annual rate, 60 monthly instalments of EUR 1,022.73, total EUR 61,363.57, Vereinigte Volksbank Raiffeisenbank eG |
| Rate type | Variable | Fixed |
| Lender type | Direct lender | Marketplace |
| Free early repayment | YesHas it | No |
| 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 | At least 18 years old, main residence in Germany, current account at a German bank, regular income, sufficient creditworthiness |
| Loan types | Payday, Personal | Personal, Car, Debt consolidation, Business |
| Credit needed | Poor | Fair |
| Origination fee (%) | 10.82% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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
- APR is lower at Smava: -0.4% to 19.9% vs 298.92%.
- Free early repayment: only Extraportfel.
- Term is higher at Smava: 6 to 120 months vs 30 months.
- Loan types: only Extraportfel offers Payday.
- Loan types: only Smava offers Car, Debt consolidation, Business.
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.
Smava
Smava suits German borrowers who want one comparison across personal, car, consolidation and business loans, plus home finance, without paying a setup fee. It scores 6 overall, with -0.4% to 19.9% on loans and 3.2% on home finance, but early repayment is not free.
Score breakdown
| Area | Extraportfel | Smava |
|---|---|---|
| Cost | 8.5The annual percentage rate is 298.92% against a site median of 12%, with a commission of 10.82% on top. | 9.1Higher |
| Offer | 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). | 9.1Amounts of €1,000 to €120,000, rates of -0.4% to 19.9%, no origination fee of 0 EUR and same day funding. |
| Trust | 9.2Higher | 8.5 |
How they place
| Ranking | Extraportfel | Smava |
|---|---|---|
| Personal loans | 115 of 1920 | 122 of 1920 |
| Loans for bad credit | 60 of 276 | 63 of 276 |
Where each is licensed and available
| Country | Extraportfel | Smava |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Extraportfel: 1. Additional countries for Smava: 1.
A third option
Absa Ghana Instant Loan has apr at -3% to 20%, against 298.92% for Extraportfel and -0.4% to 19.9% for Smava.
Absa Ghana Instant Loan reviewSources behind this comparison
Extraportfel
- extraportfel.pl: 18 facts, checked September 26, 2026
Smava
- smava.de: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Extraportfel | Smava |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | AvaFin Poland sp. z o.o. | smava GmbH (HRB 97913, Amtsgericht Charlottenburg) |
| Headquarters | Poland | Germany |
| Founded | Not confirmed | 2007 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Extraportfel | Smava |
|---|---|---|
| Initial rate | Not confirmed | 3.2% |
| APRC | Not confirmed | 3.2% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 110% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Extraportfel | Smava | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | -0.4% to 19.9%lowest quarter | 8.99% |
| Term | 30 monthsbelow the median | 6 to 120 monthshighest quarter | 60 months |
| Origination fee (%) | 10.82%highest quarter | Not confirmed | 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.
Smava
Pros
- Loan amounts run €1,000 to €120,000 with terms of 6 to 120
- Loan types cover personal, car and debt consolidation in one comparison
- A soft prequalification credit check (soft prequal) means you can check rates before a full application
Cons
- Free early repayment: no, so paying a loan off early carries a cost
- Credit needed is fair, and eligibility also requires a German bank account and regular income
- A marketplace, so the rate you get depends on which partner bank responds and the final offer comes from them
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%.
Smava
Who it suits
- Adults in Germany with a current account at a German bank and regular income
- Anyone consolidating debts, funding a car or improving a home who wants to compare offers rather than one lender
- Borrowers who want a fixed rate over 6 to 120 on a personal loan
Who should look elsewhere
- People who want to repay a loan early at no cost
- Borrowers without regular income or a German current account
- Anyone needing a variable-rate loan, since the model is fixed rate
Current offers
Smava
Current offer
Bonus
500 EUR Amazon.de voucher on taking out a loan: 500 EUR Amazon.de voucher
Loan of at least EUR 30,000 concluded via the 'Zum Kreditvergleich mit Gutschein' button only; voucher sent by email after the 14-day withdrawal period has passed; restrictions apply per amazon.de/gc-legal
Source, checked September 26, 2026
Discount code
Cheaper-goes-does-not-exist guarantee: One-off compensation of the difference if a comparable domestic bank offer is cheaper
Applies to loans brokered via smava; amount follows the offers received in the smava credit comparison, stated without hidden conditions
Source, checked September 26, 2026
Country by country
| Country | Extraportfel | Smava |
|---|---|---|
| Germany | No | Yes |
| Poland | Yes | No |
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.
Smava
What does Smava charge for setting up a loan?+
There is no origination fee on the personal loan: the arrangement fee is 0 EUR, and the product fee is €0. What you pay instead is interest on the borrowed amount, which is priced at -0.4% to 19.9% for your own profile.
How much can I borrow and over what term?+
Loan amounts run €1,000 to €120,000, and terms run 6 to 120. The rate model is fixed, so the figure you are offered is set at the start and does not drift with market moves.