• Optimal Loan

    Consolidate your loans and you'll save several thousand crowns per month while being able to spend time on the things you actually like.

Lower repayments

Consolidate your loans to reduce your monthly repayments.

Up to 2.5 mil. and with no fees

We will lend you up to CZK 2,500,000 without security and with no fees.

We'll call you back

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

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Action offer

For each loan transferred to KB, we'll pay you back for one repayment.

More information

Why KB?

Available online

Consolidate your loans online with KB.

Better care

Superb financial services and helpful customer service in KB.

Get extra funds

You can also increase your loan amount for any non-commercial purpose.

How to get this product?

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

At a branch

Get the service online – directly in the MojeBanka application.


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

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For each loan transferred to KB, we'll pay you back for one repayment.

  • applies to Optimal Loans concluded between 3 October 2016 and 31 December 2016 for at least 72 months
  • the number of returned repayments is equal to the number of loan contracts terminated at other financial institutions based on a concluded Optimal Loan contract
  • we'll pay back the repayment(s) as a one-time payment after the payment of the last repayment of the loan
  • this action offer applies to clients whose loan consists of consolidated loans from other banks and a potential increase of a loan at KB (i.e., does not apply to consolidation of loans at KB)
  • loans from other banks must amount to at least 30% of the total value of the loan

Optimal Loans are available without application processing fees.


A loan of CZK 300,000 with a maturity of 6 years, fixed interest rate of 6.9% p.a., RPSN 7.1%, 1st repayment of interests of CZK 1,092, 2nd - 71st annuity repayment of CZK 5,159, 72nd annuity repayment of CZK 5,101, total repayments of CZK 367,323. One-time fee for processing of the loan – CZK 0. Monthly fees for: loan administration – CZK 0, MůjÚčet current account – CZK 0, el. statements – CZK 0. The example assumes a utilization date of 1 October 2016 and repayments paid always on the 20th day of the month. The MůjÚčet current account is free within the MojeOdměny framework.

We'll return 1 repayment to the client for each loan transferred to KB. If a client is consolidating 6 loans, then he could for instance get a bonus of CZK 6 x 5,159 from KB, i.e., a total of CZK 30,954. Applies for Optimal Loan contracts concluded between 3 October 2016 and 31 December 2016 for at least 72 months.

Loan purpose

This loan is intended solely for the consolidation of existing debts to maturity – i.e. not overdue.

Specific conditions

Loan applicants must be Czech citizens or individuals with permanent residence/residence permit in the Czech Republic.


Get two identity documents ready, together with income confirmation or tax return.

Loan documentation

Present the loan documentation for existing loan products with other financial institutions intended for consolidation.

Payment Protection Insurance

Term life insurance that provides protection to you and your loved ones in the event of sudden adverse events.



Detailed KB pricelist and interest rates.


About Optimal Loan

  • Loan in the amount of CZK 30,000 to 2,500,000  intended for consolidation of existing debts to maturity (i.e. not overdue)
  • Maximum loan term of 10 years
  • Receive up to CZK 2,500,000 without security

You might also like to know

  • Also applies to credit cards and authorised overdrafts
  • Receive extra funds that may be used for any non-commercial purpose
  • Reduce your monthly payments for existing loan products
  • Be aware of your existing debts with their consolidation
  • Save on fees associated with present loans
  • Get attractive interest rate


Check out this model example for Optimal Loan.

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