• 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.

You’ll save

Consolidate your loans to reduce your monthly repayments.

No fees

No fees for consolidation of all your loans.

We'll call you back

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

Call me back

No worries

With loan repayment insurance.


Current total obligations of the client

Total value of credits CZK

Maturity period months

Monthly instalment CZK / monthly

KB offer


Monthly instalment CZK / monthly

Total due amount CZK

Change for the client

Savings per monthPer month you'll pay more by CZK / monthly

Total savings CZK

I'm interested in a loan

CZK monthly

Interest rate % p.a. and RPSN % (calculation is approximate)
Detail calculation

The provided calculation is only informal.
The consolidation of credits at KB requires adherence to the conditions of a valid contract.

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.

Call Me Back

About Optimal Loan

  • A loan of CZK 30 000 to 2 500 000 intended for consolidation (merging) of all existing loan obligations
  • Also applies to credit cards and authorized overdrafts
  • It is also possible to get some money on top which can be used for whatever you want
  • Maximum loan term of 10 years

You might also like to know

  • by consolidating all your obligations, YOU’LL SAVE each month – you’ll reduce the total sum of your monthly installments
  • Reduce your monthly payments for existing loan products
  • Be aware of your existing debts with their consolidation
  • both obtaining the loan and its management are free of charge - NO FEES
  • Get attractive interest rate
  • don’t forget to get insurance for your ability to repay the loan – so that your loan is WORRY-FREE

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.


Products to Compare

Personal Loan

Get a quick personal loan within 30 minutes and draw up to CZK 2,500,000 without security.



Loan amount CZK 150,000, maturity 6 years, fixed interest rate 5.90% p.a., APRC 6.07%, total repayable sum CZK 178,532.90. 1st interest repayment CZK 467.08, 2nd - 71st annuity repayment CZK 2,508, 72nd annuity repayment CZK 2,502.82. One-time fee for loan processing CZK 0. Monthly fees for: loan administration CZK 0, MůjÚčet current account CZK 0, electronic statements CZK 0. The example is calculated using the drawdown date of 01/1/2018, and the loan repayment date is always on the 20th day of the month.

The repayment period of an Optimal Loan is between 12 and 120 months. The maximum APRC level is 9.05%, with a loan maturity of 10 years. You can find a detailed overview in the calculator.