This product is no longer offered, for more information please contact your account manager or visit our branch.

  • Perfect Loan

    Cash or cashless consumer loan with flat interest rate – without any fees or waiting.

Save money

You do not pay any fees – the loan is absolutely free of charge.

No sanctions

Repay your loan early, if you wish – without any sanctions.

As needed

Determine the loan term as well as the loan payment day.


Purchase the optional Payment Protection Insurance.

Why KB?

No waiting

Are you eligible to get a loan? You will know right away.

No penalties

There are no sanctions associated with partial or full repayment.

Available online

Do you have a preapproved credit limit? Get your loan online within 24 hours.

How to get this product?

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

At a branch

Intended for

Czech citizens, foreign nationals with permanent residence, and EU citizens with temporary/permanent residence permit in the Czech Republic.

Intended purpose

Solely for personal, non-business needs.


Detailed KB pricelist and interest rates.


About Perfect Loan

  • Cash or cashless loan ranging from CZK 30,000 to 600,000 – absolutely without any fees
  • Loan with interest rate of 15.9% p.a. for all loan terms
  • Intended solely for personal non-business needs and it is always repaid from a KB account
  • Maximum loan term of 6 years
  • We will inform your about whether you are eligible right away
  • Clients with preapproved credit limits may get their loan via MojeBanka internet banking – it will be processed within 24 hours
  • Loan also available without security
  • Partially or fully repay your loan early without any sanctions
  • Spread your loan repayment over a period that suits your needs
  • Select a payment day of your choice – e.g. after payday
  • Optional Payment Protection Insurance to cope with adverse life situations

Important information for you

  • To get Perfect Loan, you will need:
    • 2 identity documents – such as your ID card and passport
    • Proof of income documents
      • Confirmation of income or tax return for the past taxable year incl. tax payment confirmation