Is Extraportfel.pl a direct lender?

The current official pages identify AvaFin Poland sp. z o.o. as the company that grants the consumer loan under the Extraportfel brand. Confirm AvaFin Poland as the lender in the current agreement before accepting.

How much can a new customer request?

The partner brief describes PLN 500 to PLN 12,000 for the route, while the public homepage currently displays a first-loan maximum of PLN 5,000 and asks repeat customers to log in for more. Treat PLN 12,000 as a supplied route snapshot, not a guaranteed public limit.

What is the published Extraportfel.pl cost example?

The official example uses PLN 1,000 for 30 days: PLN 108.20 commission, PLN 11.89 capital interest, a refundable PLN 1 registration fee, PLN 120.09 total cost, PLN 1,120.09 total repayment, 14.50% variable annual nominal interest and RRSO 298.92%.

Can repayment be postponed?

The supplier brief and official repayment page describe a possible 30-day extension through the customer area. The fee and eligibility are route-specific, so confirm them in the personal offer and agreement.

What does an applicant need?

The published route requires an identity document, an own bank account, an online form and a positive affordability assessment. The supplier brief adds an active phone number; larger amounts may require income confirmation.

What happens if repayment is late?

The public notice says late interest may be charged at twice statutory default interest and that court or enforcement costs may apply. Contact AvaFin Poland before the due date and follow the current agreement rather than assuming an extension is free.

Extraportfel.pl offer review · Poland

Organization / product name	Extraportfel.pl — online short-term consumer-loan brand operated by AvaFin Poland
Provider type	Loan institution and direct consumer lender operating the Extraportfel brand
Actual lender(s)	AvaFin Poland sp. z o.o. is named as the lender on the current official pages and agreement template
Available GEO	Poland; the public route is intended for Polish consumers
Currency	Polish złoty (PLN)
Minimum loan amount	PLN 500 in the supplied partner brief; the final minimum is selected in the live application
Maximum loan amount	PLN 12,000 in the supplied partner brief; the public homepage currently shows PLN 5,000 as the first-loan maximum and asks repeat customers to log in for more
Minimum loan term	Not publicly disclosed as a universal minimum
Maximum loan term	30 days for the headline payday product; a 30-day repayment extension may be available
Base rate — daily	Not publicly disclosed as a separate daily rate
Base rate — weekly	Not publicly disclosed
Base rate — monthly	Not publicly disclosed; the official example uses a 14.50% variable annual nominal rate
APR / RRSO and total cost	Official PLN 1,000 / 30-day example: PLN 108.20 commission, PLN 11.89 capital interest, PLN 1 refundable registration fee, PLN 120.09 total cost, PLN 1,120.09 total repayment and RRSO 298.92%
Promotional rate	A reduced or zero-cost first-loan promotion may be shown; the exact current offer and punctual-repayment condition must be confirmed in the agreement
Promotion conditions	Promotion terms can depend on first-loan status and repayment by the contractual due date; late repayment can remove the discount
Grace period	No universal grace period publicly disclosed
Minimum borrower age	18 years
Maximum borrower age	Not publicly disclosed as a universal maximum
Citizenship requirement	Not separately stated as a universal citizenship rule; the Polish route, identity and bank-account checks apply
Residency requirement	Poland; the exact residence wording is confirmed in the current form and agreement
Bank account requirement	Personal active bank account in the applicant’s own name for identity verification and payout
Bank card requirement	Not publicly disclosed as a universal requirement
Income requirement	Positive affordability assessment; income confirmation may be required for larger amounts
Employment requirement	No universal employment certificate is required on the current public route
Credit history / databases	Identity, affordability and external database checks may apply; approval depends on the assessment
Disbursement method	Bank transfer to the verified personal account after approval; same-day receipt may be possible
Repayment method	Bank transfer or the customer-area instructions shown by AvaFin Poland; the individual agreement controls
Application review time	About 15 minutes is described in official guidance; timing depends on verification and assessment
Advertised funding time	The official site says funds may arrive the same day after a positive decision; bank processing can delay the transfer
Early repayment	Check the current agreement and applicable consumer-credit rules; no separate universal public fee was verified
Extension / rollover	A possible one-time 30-day postponement is described; eligibility and fee are route-specific
Late-payment charges	Twice statutory default interest may apply, plus possible court and enforcement costs; the agreement controls
Loan purpose	Personal consumer needs unless the individual agreement states a restriction
Legal entity	AvaFin Poland sp. z o.o.; the current official pages identify it as the lender and operator of Extraportfel
Registration number	KRS 0000453034; NIP 5252548958; REGON 146563260
Registered address	ul. Bukowińska 22B, 02-703 Warszawa, Poland
Licence	The official accessibility notice identifies AvaFin Poland as a loan institution; a separate licence number is not displayed on the reviewed pages
Regulator	Polish consumer-credit and data-protection framework; the Financial Ombudsman is named for out-of-court disputes
Licence status	Active official pages and current loan agreement were available on September 9, 2026; exact register identifier was not displayed
Support channels	Customer service: +48 22 388 66 66 and [email protected]; business days 08:00–20:00, weekends and holidays 09:00–18:00
Date checked	September 9, 2026
Public-source variance	Supplier brief states PLN 500–12,000 and a 30-day extension; public homepage currently shows first-loan maximum PLN 5,000, while the agreement and personalised route control the final terms

Editorial status · Approx. 9 min read · Offer checked September 9, 2026

Extraportfel.pl review summary

Extraportfel.pl is an online short-term-loan brand operated by AvaFin Poland sp. z o.o. The official legal and accessibility information identifies AvaFin Poland as the institution that grants the consumer loan, so this route is different from a pure lead-generation page: the borrower should see AvaFin Poland named in the agreement and pre-contract form. The brand still remains a commercial presentation layer. A slider, a preliminary decision or a “same day” message does not create a loan; the signed agreement sets the amount, cost, due date and late-payment consequences.

The partner brief supplied for this review describes online loans from PLN 500 to PLN 12,000 for 30 days, with a possible 30-day repayment extension. The live public homepage currently displays a first-loan ceiling of PLN 5,000 and asks repeat customers to log in for a higher route. That is a material public-source difference, so PLN 12,000 is recorded as the supplied offer snapshot rather than a guaranteed public maximum. Before applying, compare the logged-in proposal with the current agreement and confirm whether the extension is offered, how much it costs and whether it changes the total repayment.

Who stands behind Extraportfel.pl?

AvaFin Poland sp. z o.o. is the legal lender named on the current Extraportfel.pl pages. The company is registered in Warsaw at ul. Bukowińska 22B, 02-703 Warszawa, with KRS 0000453034, NIP 5252548958 and REGON 146563260. The published capital is PLN 2,700,000. The official accessibility notice describes AvaFin Poland as a loan institution operating the AvaFin and Extraportfel brands and says the application can be completed online. This is the relevant legal identity for the current route; older PDFs can mention former group names or different counterparties and should not silently replace the current website disclosure.

The decision is conditional on a positive affordability assessment. The company can ask for information, verify identity and account ownership, and request income evidence for larger amounts. The borrower receives the funds from the lender named in the agreement and repays that lender under the agreement’s account instructions. The service does not promise approval, a fixed limit or a universal cost. If the application screen, a PDF and the final contract show different legal names, stop and resolve the difference before accepting the offer.

Amounts, cost and total repayment at Extraportfel.pl

The partner brief gives a PLN 500–12,000 range for a 30-day online loan. The official public calculator currently shows a first-loan route capped at PLN 5,000, while the page invites an existing customer to log in for a higher amount. The exact repeat-customer ceiling is not displayed in the public unauthenticated page. This means the headline range should be treated as route-specific: the amount requested, the amount approved and the amount credited can differ after assessment.

The official representative example is reproducible: PLN 1,000 principal, a PLN 1.00 refundable registration fee, PLN 108.20 commission and PLN 11.89 capital interest produce PLN 120.09 total cost and PLN 1,120.09 total repayment over 30 days. The variable nominal annual rate is 14.50% and the stated RRSO is 298.92%, with the example dated 5 March 2026. A current calculator view can show different figures for PLN 5,000, including a displayed RRSO around 302%; that is a live route calculation, not a universal APR. Do not convert the annual rate into an official daily rate. Save the personalised form and calculate the total in złoty before accepting.

Read Extraportfel.pl as a one-payment budget decision

Compare the cash credited with commission, capital interest, RRSO, total repayment and the exact due date. A promotional or repeat-customer amount is not a promise that the same terms will be available after verification.

Application flow and eligibility for Extraportfel.pl

The supplied brief describes a simple online route: an active phone number, an identity document, a personal bank account, a short form and a positive creditworthiness assessment. The official site gives the same practical outline and adds that larger requested amounts may require income confirmation. A separate official FAQ says an applicant must be at least 18, hold a valid identity document and use an active bank account in their own name. Account verification can involve a small identification transfer or an automated verification service, depending on the current flow.

Applications can be submitted online at any time according to the partner brief, but customer-service hours are narrower: the official contact disclosure lists 08:00–20:00 on business days and 09:00–18:00 on weekends and holidays. A decision is often described as arriving in about 15 minutes, while money may reach the bank account the same day after approval. These are process indications, not service-level guarantees. Keep the application copy, consent wording, information form and final agreement so that a changed amount or fee can be checked rather than assumed.

Choose an amount and 30-day due date that fit a written Polish household budget.
Confirm AvaFin Poland’s legal identity, read the privacy notice and complete only the requested verification.
Compare the net amount received with commission, capital interest, RRSO and total repayment.
Save the information form, agreement, repayment account and any extension terms.
Accept only when the first repayment remains affordable without another high-cost loan.

Data sharing and credit checks at Extraportfel.pl

The official privacy disclosure identifies AvaFin Poland as the controller for data used to assess and perform the loan agreement. The notice covers service delivery, identity and credit assessment, legal duties, claims, marketing where consent is given and the rights available to the data subject. Before submitting a form, check which fields are mandatory, which marketing permissions are optional, how long records are retained and which authorised processors or partners may receive the data. The company publishes a data-protection contact and points consumers to the Polish data-protection authority for complaints.

A credit decision can use identity information, bank-account ownership, income or affordability information and external databases. A “loan without assessment” promise would therefore be misleading. Negative entries in a database do not create an automatic entitlement to approval, and a positive message is not a contract. Do not share one-time banking codes with an unsolicited caller. If a verification attempt fails, use the official contact channel and ask which record needs correction rather than submitting duplicate applications through a different domain.

Funding, repayment and late-payment risk at Extraportfel.pl

After a positive decision, Extraportfel.pl says the approved money is transferred to the borrower’s bank account and may arrive on the same day. The actual timing depends on identity verification, approval, the payment system and the receiving bank. The amount credited can be lower than the requested amount when a fee is deducted or a different amount is approved, so compare the bank entry with the information form. Never spend a promised transfer before the credited amount is visible.

The supplier brief describes a possible one-time 30-day postponement of the repayment date. The official repayment page also says customers may move the due date by 30 days through the customer area. The fee and eligibility for a particular account are not a universal public tariff; the personal offer and agreement control. If the due date may be missed, contact the lender before it passes. The official public notice states that late interest can be charged at twice statutory default interest and that court or enforcement costs may also arise. An old promotional PDF is not a substitute for the current agreement.

Extraportfel.pl availability, complaints and borrower rights

Extraportfel.pl is presented for consumers in Poland. The route requires a Polish bank account for verification and payout, while the exact citizenship or residence wording should be checked in the current form and agreement. The public pages establish an age minimum of 18 but do not publish a universal maximum age. A larger request can trigger income confirmation, and every amount remains subject to an affordability decision. Treat the availability statement as access to an application route, not as proof that a loan will be approved.

AvaFin Poland lists the Financial Ombudsman as the out-of-court dispute-resolution body for consumer disputes and publishes company registration details, support hours and contact channels. The documents page also provides the loan agreement, promotion rules, electronic-service regulations, PEP declaration and privacy policy. Use the current documents page rather than an old PDF copied into a catalogue. If a current agreement omits the lender identity, RRSO, total repayment or due date, request the missing information before accepting.

Alternatives and consumer checklist

Extraportfel.pl may be worth comparing when a Polish borrower needs a short, one-payment product, can cover the full amount due from ordinary income and understands the difference between the supplier snapshot and the live personalised offer. It is a poor fit for a recurring budget gap, a request for guaranteed approval or a plan that already depends on an extension. The useful test is not the largest headline amount; it is whether the borrower can state the cash received, the total repayment, the due date and the late-payment consequence before submitting personal data.

Compare the live proposal with a bank overdraft, an instalment product, a payment arrangement with the biller or free debt advice. Include rent, food, utilities, transport and existing repayments in the calculation. If the lender changes the amount, commission, term or extension price after verification, start the comparison again. Borrow Radar does not endorse AvaFin Poland, promise approval or replace legal advice; this review records the public facts and the points that must still be confirmed in the individual agreement.

Separate the Extraportfel brand from AvaFin Poland, the legal lender.
Check the first-loan public cap against the logged-in repeat-customer proposal.
Compare commission, capital interest, RRSO and total repayment in PLN.
Confirm age, identity, own bank account, credit assessment and larger-loan income evidence.
Read the exact 30-day extension price and contact the lender before a missed payment.

Frequently asked questions

Question 1Is Extraportfel.pl a direct lender?: Answer
The current official pages identify AvaFin Poland sp. z o.o. as the company that grants the consumer loan under the Extraportfel brand. Confirm AvaFin Poland as the lender in the current agreement before accepting.
Question 2How much can a new customer request?: Answer
The partner brief describes PLN 500 to PLN 12,000 for the route, while the public homepage currently displays a first-loan maximum of PLN 5,000 and asks repeat customers to log in for more. Treat PLN 12,000 as a supplied route snapshot, not a guaranteed public limit.
Question 3What is the published Extraportfel.pl cost example?: Answer
The official example uses PLN 1,000 for 30 days: PLN 108.20 commission, PLN 11.89 capital interest, a refundable PLN 1 registration fee, PLN 120.09 total cost, PLN 1,120.09 total repayment, 14.50% variable annual nominal interest and RRSO 298.92%.
Question 4Can repayment be postponed?: Answer
The supplier brief and official repayment page describe a possible 30-day extension through the customer area. The fee and eligibility are route-specific, so confirm them in the personal offer and agreement.
Question 5What does an applicant need?: Answer
The published route requires an identity document, an own bank account, an online form and a positive affordability assessment. The supplier brief adds an active phone number; larger amounts may require income confirmation.
Question 6What happens if repayment is late?: Answer
The public notice says late interest may be charged at twice statutory default interest and that court or enforcement costs may apply. Contact AvaFin Poland before the due date and follow the current agreement rather than assuming an extension is free.

Official sources used

Official homepage, calculator and representative cost exampleOfficial provider page · opens in a new tab ↗Official company details and legal entityOfficial provider page · opens in a new tab ↗Official loan agreementOfficial provider page · opens in a new tab ↗Official documents and policiesOfficial provider page · opens in a new tab ↗

Source record checked September 9, 2026. Prices, eligibility and approval remain dependent on the live creditor agreement.

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