• Personal Loan

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

Quick

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

Low rates

Our rates start at 6.9%. For example, if you borrow CZK 100,000, you will pay CZK 1,720 per month.

We will call you

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

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Online

Loan available in MojeBanka with a preapproved credit limit.

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.

Calculator

I'm interested in a loan

CZK monthly

RPSN % (calculation is approximate)
Detail calculation

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.

MojeBanka

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

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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.

Documents

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.

Detail

Pricelist

Detailed KB pricelist and interest rates.

Detail

About Personal Loan

  • Cashless loan ranging from CZK 30,000 to 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 6 years
  • Loan is always repaid from a KB current account
  • Security many not be required for loans of up to CZK 2,500,000
  • Loan can be secured (e.g. guarantee, KB deposit or building savings with Modrá pyramida stavební spořitelna)

You might also like to know

  • Get your loan quickly – even within 30 minutes if you have a preapproved credit limit
  • Your preapproved credit limit has also another advantage – you can get your loan online with MojeBanka internet banking and Mobilní banka
  • Early repayment (partial or full) without any penalties.

Example

The repayment period of a Personal Loan is between 12 and 96 months. The maximum APRC level for the below-mentioned loan is 7.14%, with a loan maturity of only 12 months. You can find a detailed overview in the calculator.

Loan amount CZK 100,000, maturity 6 years, fixed interest rate 6.9% p.a., APRC 7.13%, total repayable sum CZK 122,436.01. 1st interest repayment CZK 364.17, 2nd – 71st annuity repayment CZK 1,720, 72nd annuity repayment CZK 1,671.84. One-time fee for: loan processing CZK 0. Monthly fees for: loan administration CZK 0, MůjÚčet [MyAccount] current account CZK 0, electronic statements CZK 0. The example is calculated using the drawdown date of 01/12/2016, and the loan repayment date is always on the 20th day of the month. The MůjÚčet current account is free within the MojeOdměny [MyRewards] concept.

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