• Personal Loan

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


Take out your loan within 30 minutes with a preapproved credit limit.

Low installments

For example, if you borrow CZK 100,000, you will pay CZK 1,273 per month.

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Loan available in MojeBanka with a preapproved credit limit.

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I'm interested in a loan

CZK monthly

RPSN % (calculation is approximate)
Detail calculation

Why KB?

Based on your budget

Spread the loan repayment over a term that suits you best.

Select a payment day

Select a payment day of your choice – such as after payday.

Loan with clear rules

We have been rated a fair bank by the Safe Loan Navigator study.

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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About Personal Loan

  • Cashless loan for anything you need between CZK 30 000 and 2 500 000
  • Loan intended for Czech citizens or individuals with permanent residence/residence permit in the Czech Republic for their non-business needs
  • Maximum loan term of 8 years
  • Loan is always repaid from a KB current account
  • Loan can be secured (e.g. guarantee, KB deposit or building savings with Modrá pyramida stavební spořitelna)

You might also like to know

  • You can get your loan QUICKLY at a branch office, in some cases within 30 minutes
  • You can also get a loan online using our e-banking or mobile banking
  • Early repayment (partial or full) without any penalties
  • By making use of the maximum repayment period, you’ll enjoy LOW INSTALLMENTS
  • Don’t forget to get insurance for your ability to repay the loan

Intended purpose

Personal Loan is solely for one’s personal, non-business needs.

Specific conditions

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


Get two identity documents ready – such as your ID card and passport.

Proof of income

You also need a confirmation of income or last tax return year including a tax payment confirmation.

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.


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Loan amount CZK 100,000, maturity 8 years, fixed interest rate 4.90% p.a., APRC 5.15%, total amount to be repaid CZK 121,577.81. 1st interest instalment CZK 258.61, 2nd – 95th annuity instalment CZK 1,273, 96th annuity instalment CZK 1,167.20. One-off loan processing fee of CZK 490. No monthly fees for loan administration, MůjÚčet current account and electronic statements. The example is calculated using the drawdown date of 1 October 2017. The loan instalment date is always on the 20th day of the respective month.

The repayment period of a Personal Loan is between 12 and 96 months. The maximum APRC level is 11.34%, with a loan maturity of 3 years. You can find a detailed overview in the calculator.