Special Offer:
Online with
no fees

Interest rate from 3,8 %

Quick processing – either online or at a branch

Early repayment at any time and without any charges

Receive up to CZK 2,500,000 for anything

Select any instalment payment date, e.g. right after your pay date

Why should you get Personal Loan

  • Arrange your loan in a matter of minutes! Simply use your Mobilní banka or internet banking. Find out how

  • Payment protection insurance will give you peace of mind throughout the loan term  

  • Always fair terms and conditions – both for KB clients and non-clients

  • Personal loan won the 1st place of the Finparáda.cz awards – Financial Product of the Year (Consumer Multipurpose Loans)

  • Select the personal loan payment date and loan term at your discretion  

  • Payment protection insurance will give you peace of mind throughout the loan term


Selected price list items

Processing and evaluation of loan application Special offer
CZK 490 Free of charge
Processing and evaluation of loan application Special offer
CZK 490 Free of charge
Monthly credit administration (for contracts concluded as of 1. 1. 2013)
Free of charge
Changes in contract - personal data of a client, change of the account number (within KB only) for the credit redemption, or change of the statement of the account form, additional submission / cancel
Free of charge
Credit account statement - Electronically
Free of charge
Premature repayment
Free of charge


By phone

Leave it all up to us. Leave your contact information – we will call you back.

At a branch

Select a branch, leave your contact information – we will call you back.


Get the service online – directly in the MojeBanka application.



  • Receive any amount from CZK 30,000 to 2,500,000
  • Maximum maturity of 8 years
  • Current account in KB is required
  • Where can you find information about your loan?

    Everything you need to know is available in the MojeBanka internet banking and Mobilní Banka mobile banking applications. Detailed information is also specified in your loan agreement.

  • What day is your instalment payment due?

    The specific instalment payment day is shown in your internet / mobile banking. In general, consumer loans are repaid on the 8th, 12th, 16th or 20th day of each month.

  • Would you like to change the payment date?

    To change your instalment payment date, visit a KB branch. We recommend aligning your payment date with your pay date.

  • No payment made?

    In case we do not receive your instalment payment in time we will notify you via a text message and e-mail free of charge. You can then immediately pay any outstanding amount and prevent registration in the credit bureau registers, written reminders, and sanctions.

  • Are you unable to make payments?

    Payment protection insurance will protect you in the event of injuries, long-term incapacity for work, job loss, and other adverse events. The insurance company will pay the relevant instalments or outstanding loan amount, as appropriate, for you. We recommend that you regularly set aside at least 10% of your income to cope with unexpected situations.

  • Have you lost your job?

    Please address the situation as soon as possible. In case you know it is a temporary problem it is possible to agree on postponement of payments. If you have Payment protection insurance the insurance company will pay the relevant instalments or the outstanding loan amount, as appropriate, for you.  

  • Would you like to assign your loan to someone else?

    The assignment shall be subject to acceptance of the new debtor (i.e. the debtor’s ability to repay the loan) by the bank or the provision of sufficient security.

  • Do you have any other questions?

    Contact your relationship manager or call our information line at 800 521 521.

  • Get your loan online or within 30 minutes at a branch
  • Spread loan repayment over a period at your discretion
  • Select your own date for instalment payments
  • You can repay the loan early – either in full or in part – at any time and without sanctions

Eligible loan applicants

You must have a current account in KB, be a Czech national, or have permanent residence / residence permit in the Czech Republic.

Necessary documents

  • Two identity documents (e.g. your identity card and passport)
  • Proof of income or a tax return (including a tax payment confirmation)

Representative example:

Loan amount CZK 550,000, maturity 10 years, fixed interest rate 3.80 % p.a, APR 3.87 %, total amount due CZK 662,072.28. 1st interest installment 1,103.06 CZK, 2.–119. annuity installment 5,555 CZK, 120th annuity installment 5,479.22 CZK. Monthly fees for: loan management CZK 0, current account maintenance of MůjÚčet 0 CZK, electronic statements 0 CZK. The example is calculated for the date of drawing on the May 1, 2020 and the repayment period of the loan always on the 20th day of the month. In the case of a loan based on online application no one-off arrangement fee is charged.

We are providing loans with maturity from 12 to 96 months and APR up to 14.88 %.

Good to have

Term life insurance for mortgage loans
Insurance coverage for you and your whole family in case you are unable to make loan payments.
  • If you take out insurance to mortgage, you get 0,1 % p.a. lower interest rate
  • Also for all existing mortgages and loans
Optimal loan
Consolidate your loans, overdrafts, and credit cards up to CZK 2,500,000
  • We will consolidate your loans of up to CZK 2,500,000
  • Receive additional funds for anything
MůjÚčet Plus
Account for everyone with authorized overdraft up to CZK 60,000.
  • Cash withdrawals from KB ATM free of charge
  • 2 Cash withdrawal from ATM of other domestic banks monthly free of charge