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Extraportfel review

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

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Our verdict

Extraportfel is a Polish direct lender for short-term borrowers who need cash today and can clear a hard credit check. Its 298.92% sits far above the 36.5% typical of payday lenders here, so speed and access come at a steep price.

Key facts

Best for
Polish borrowers with a weak credit file who need a small short-term loan paid out the same day.
APR
298.92%↗
Loan amount
PLN 500 to PLN 15,000↗
Term
30 months↗
Arrangement fee
1.00 PLN registration fee (refunded to the borrower); commission 108.20 PLN on a 1000 PLN loan↗
Credit check
Hard↗
Funding time
Same day, in most cases within minutes, disbursed 24/7 via Przelewy24; contractually within 4 business days of the approval notification↗
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%↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
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↗
Origination fee (%)
10.82%↗
Loan types
Payday, Personal↗
Credit needed
Poor↗
Legal entity
AvaFin Poland sp. z o.o.↗
Headquarters
Poland↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
extraportfel.pl

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • Payouts arrive the same day, often within minutes through an instant bank transfer (same day funding).
  • Early repayment is free, so clearing the balance sooner costs nothing extra.
  • A direct lender (direct lender) rather than a broker, so the contract is with AvaFin Poland sp. z o.o..

Cons

  • 298.92% is steep, and the rate is variable (variable), so the figure is not fixed for the life of the loan.
  • A single term of 30 is offered, with no longer repayment to spread the cost over.
  • Support runs on email, phone and help centre only, so there is no live chat or branch counter.
Extraportfel

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults within a stated age range living in Poland with a Polish ID or residence card, mobile number and bank account (PL).
  • Borrowers with a weak credit record (poor) who can pass the hard credit check (hard) and will clear the balance in full.

Who should look elsewhere

  • Anyone wanting a long, fixed term: Sofkredit quotes 10.74% to 18.06%, a fraction of 298.92%.
  • Borrowers after a large sum: Creduma ES starts at from €12,000, past what this lender will hand out.
  • Applicants who want a soft prequalification: Cashspace shows PHP 12 to PHP 36, a far more typical payday rate.

How it compares on our data

Extraportfel ranks 502 of 665 on loan amount, near the middle of the field rather than at either end. The same pattern holds on cost, at 325 of 338 on annual percentage rate, above the midpoint. Term is the strongest showing at 135 of 226, reflecting the short maturities most of this market settles on.

How Extraportfel compares

Where Extraportfel is available

Available
Poland

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

Frequently asked questions

What rate do I pay on an Extraportfel loan?+

The annual percentage rate is 298.92% and it is variable (variable), so the figure can move over the life of the loan. Interest alone looks modest, because a commission of 10.82% of the sum is charged alongside it.

How much can I borrow and for how long?+

Loans run PLN 500 to PLN 15,000 and the term is 30, which suits a bill or an unexpected cost cleared within weeks. There is no longer term on offer, so the cost is not spread over many instalments the way it would be on a longer personal loan.

What fees come on top of the loan?+

The arrangement fee is a registration charge that is refunded to the borrower, plus a commission of 10.82% of the amount borrowed. Variable interest is added on top, which is why the annual percentage rate of 298.92% reads so high. The contract lists the total repayable.

How quickly is the money sent?+

Same-day funding (same day funding) is the norm, with payouts in most cases within minutes through an instant bank transfer service that runs around the clock. The contract allows a longer window of a few business days from the approval notice, so treat the quick transfer as the usual case rather than a certainty.

What credit check do I face?+

There is a hard credit check (hard), so a full search runs rather than a soft prequalification. The lender works with applicants whose credit is poor (poor), which is why many borrowers arrive here after a mainstream refusal.

Who can apply?+

Applicants must be adults within a stated age range who live in Poland (PL) and hold a Polish ID card or permanent residence card, a mobile phone registered in Poland, a personal Polish bank account and an e-mail address, then clear the hard credit check (hard).

How do I get help?+

Support runs on email, phone and help centre: email, phone and a help centre. The lender is a direct one (direct lender), so no broker sits between the borrower and the contract, and questions on a live application go to AvaFin Poland sp. z o.o. itself.

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

Polish borrowers with a weak credit file who need a small short-term loan paid out the same day.

9.0/10Visit