Consumer Loan | ČSOB

Consumer Loan

Take out a consumer loan with a favourable interest rate and use the funds for anything you need right now. You can arrange the loan with a single visit to a branch, or online via MOJA ČSOB internet banking or the ČSOB SmartBanking app.

A consumer loan provides you with:

  • Funds of up to € 25,000
  • No need for a guarantor or a pledge of real estate
  • The possibility to reduce the interest rate by 1% p.a. by actively using your account
  • The possibility to reduce the interest rate by 2% by refinancing loans
  • Credit insurance in case of unexpected life events


Calculate your repayments

How much do you want to borrow?

600 € 25 000 €

How much do you want to pay?

239 EUR per month

You would repay the loan in 5 years

161 € 1073 €

TIP: At the next step you can insure the loan so that you will not have to worry about repaying it if you are unable to work for a long period, for example.

With an interest rate of 5.5% and a monthly repayment of € 239, you will repay the loan in 5 years.

With an interest rate of 5.5% the total amount you will pay is €14326.

Representative examples

If you take a consumer loan for € 5,000 with a repayment period of 8 years and an interest rate of 5.5% p.a., the monthly repayment would be € 64.50. The annual percentage rate of charge would be 5.76% and there would be 96 instalments. The consumer pays a one-time charge for credit processing of € 35. The total amount that the consumer will pay is € 6,211.59. There is no legal entitlement to the loan. The calculation is for information purposes only.

Request a loan

Submit the application via Internet banking

We will complete the loan application by phone or arrange a meeting in person.