Extraportfel

In short: At Extraportfel.pl the first loan is capped at PLN 5,000 for 30 days. The APR (RRSO) in the representative example is 298.92% (PLN 1,000 for 30 days), and on 15.10.2026 the calculator showed an APR of 302% and PLN 5,604.50 to repay for PLN 5,000. It is meant for a short gap in your budget, not for financing larger purchases.

What Extraportfel online payday loans are

The lender is AvaFin Poland sp. z o.o., based in Warsaw (ul. Bukowińska 21, KRS 0000453034). Extraportfel.pl is the website through which this company grants loans. The loan is a single one with a 30-day repayment term, and the whole process is online.

A payday loan is not a substitute for a bank loan. It makes sense when you are short of money for a few weeks and know where the full amount plus costs will come from.

APR and loan cost

The APR in the representative example is 298.92%. That is the figure on Extraportfel.pl (example dated 05.03.2026), and our database holds the same value (checked by our editors on 14.10.2026).

Representative example: total loan amount PLN 1,000, 30-day contract, variable interest rate 14.50% per year (maximum interest), commission PLN 108.20, capital interest PLN 11.89, total cost PLN 120.09, total amount to repay PLN 1,120.09. There is also a PLN 1.00 registration fee, which the lender refunds.

At the maximum first-loan amount the cost is higher. On 15.10.2026 the calculator on the website showed for PLN 5,000: commission PLN 540.98, interest PLN 63.52, amount to repay PLN 5,604.50, APR 302%.

Against the market: in our comparison of 34 non-bank loan offers (as of 15.10.2026) this offer ranks 30th by APR, counting from the lowest. The median APR is 176.61%, and the lowest APR belongs to Smartney (17.11%). This compares offers listed on BankSorter, not the whole market.

Our calculation

Representative example: 120.09 / 1,000 × 100 = PLN 12.01 of cost per PLN 100 borrowed. Calculator for PLN 5,000: cost 540.98 + 63.52 = PLN 604.50, i.e. 604.50 / 5,000 × 100 = PLN 12.09 per PLN 100. Both figures assume 30 days and on-time repayment.

Terms and requirements

• First loan up to PLN 5,000, repayment term 30 days. You can apply for a higher amount after logging in to your account.
• Age from 19 to 75.
• You need a Polish phone number, an e-mail address, a Polish bank account and residence in Poland. The document for the application is a Polish ID card (dowód osobisty), or a permanent residence card for foreigners.
• The loan depends on a positive creditworthiness assessment. Proof of income is required for larger amounts.
• If you repay within 30 days, your available limit may increase, based on an individual assessment.

We did not find rules on extending the repayment date or on early repayment on Extraportfel.pl, so we do not describe them.

Watch out for

• If you get a loan on promotional terms, the promotion applies only if you repay by the date in your contract. After that date you repay the loan on standard terms.
• Late payment is charged at twice the statutory late-payment interest (NBP reference rate plus 5.5 percentage points). You may also be charged court and enforcement costs.
• The 298.92% APR refers to the PLN 1,000 example. For PLN 5,000 the calculator showed 302%.

Not for you if...

• as a new customer you need more than PLN 5,000;
• you will not repay the full amount plus costs within 30 days;
• you are younger than 19 or older than 75;
• you are looking for cheap financing: an APR of 298.92% is above the 176.61% median in our comparison.

How to apply

1. You fill in the online application: you enter your details and accept the consents.
2. You confirm your bank account with a PLN 1 transfer or through the Kontomatik service, which the lender recommends.
3. After a positive decision the money is transferred to your account. According to Extraportfel.pl, in most cases within a few minutes.

The lender states that it processes applications around the clock, including weekends and holidays. It also says it does not require employment or income certificates, although it asks for proof of income for larger amounts.

Summary

Extraportfel.pl is an AvaFin Poland loan of up to PLN 5,000 for 30 days for new customers, with a clear representative example and calculator. The deciding factor should be the APR: 298.92% in the PLN 1,000 example and 302% in the calculator for PLN 5,000, meaning PLN 604.50 of cost. Take it only with a firm plan to repay within 30 days.

As of 15 October 2026. Offer terms change, so check them with Extraportfel.pl before applying.