Personal Loan

No need to visit a branch.
Get your loan online and free of charge

Special Offer:
No loan arrangement fees

Interest rates starting at 6.9% p.a.

Receive up to CZK 2,500,000 for anything

Arrange your loan in a few minutes in Mobilní banka with funds available in your account right away

Select your own payment amount and date

Repay your loan early at any time - free of charge

This special offer applies to loan applications submitted from 3 October 2022 to 31 December 2022.

Why should you get Personal Loan

  • Get your loan online in Mobilní banka or MojeBanka internet banking. See our instructions

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

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Interest rates of our clients

More than half of our clients get an interest rate ranging up to 6.9% p.a. (for loans of up to CZK 150,000). The data apply to contracts concluded from 1 January to 31 March 2022.

Several different factors determine your final interest rate – e.g. the loan amount you request, your income, and whether or not you have other financial liabilities.

Selected price list items

Show complete price list

Evaluation of a loan application
CZK 490
Credit administration (for contracts concluded as of 1. 1. 2013)
free of charge
Credit account statement electronically
free of charge
Premature repayment
free of charge

HOW TO GET THIS PRODUCT?

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.

MojeBanka

Get the service online – directly in the MojeBanka application.

MOJEBANKA
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USEFUL INFORMATION

  • Receive any amount from CZK 30,000 to 2,500,000
  • Maximum maturity of 8 years
  • Current account in KB is required

In order to get a loan, you need to have a current account in KB. See what accounts we offer.

Mobilní banka

If you apply for a Personal Loan in Mobilní banka, the loan processing and approval will be automated. This will allow you to have funds in your account in just a few short minutes.

  1. In the main menu, go to New product – Loans – Personal Loan.
  2. Specify the required loan amount and loan term. The calculator will show you the relevant monthly payment amount, interest rate, and APRC.
  3. Submit your request by clicking the “I am interested” button and then “Continue”. The loan application will be processed online.

You can use this offer if you:

  • Have regular income sent to Komerční banka; and
  • Apply for a loan of up to CZK 150,000.

In other cases, your loan application will be assessed individually by our employees, in the same way as at present.

 

  • MojeBanka internet banking

    It will only take you about 10 minutes to complete a loan application in the MojeBanka internet banking.
  1. Go to Loans – Personal Loan and click “Arrange”.
  2. Our wizard will guide you through the entire process.
  3. You can print out your loan application or even submit it for online signature using KB Klíč.

Your loan application will be submitted for processing and subsequent approval. You can check the status of your application online – go to Loans and then My orders.

  • 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)

Download:

I need the forms for product opening (PDF, 87 kB)

Consumer loan contract - template, Czech version only (PDF, 238 kB)

Representative example:

Loan amount CZK 150,000, maturity 8 years, fixed interest rate 7.90% p.a, APR 8.19%, total amount due CZK 202,861,73. 1st interest installment CZK 625,42, 2.–95. annuity installment  CZK 2,129, 96th annuity installment CZK 2,110.31. 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 July 1, 2022 and the repayment period of the loan always on the 20th day of the month.

 

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
Product detail
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
Product detail
MůjÚčet Plus
Account
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
Product detail