We can lend you money for anything you want even with no guarantor or security. Simply ask for a loan and we will find the most appropriate one for you.
We Can Offer
|Overdraft Flexikredit||Expres Loan|
|Loan Amount||CZK 5.000 - 100.000 |
students CZK 2.000 - 10.000
|CZK 20.000 - 800.000|
|Repayment Period||Automatically with an incoming payment |
or deposit in a current account
|24 - 120 months|
|ARP / |
Interest rate from od 17,90 % p.a.
|APR from 6,1 % |
Interest rate from 5,9 % p.a.
|Benefits||You only pay for the amount you |
actually draw; can be used repeatedly
|A bank loan with a low interest |
rate and without a guarantor
If you are presently repaying several loans, you can merge them with MONETA’s Debt Consolidation, and significantly reduce the monthly installments and pay only one loan. To consolidate loans of up to CZK 800,000, use unsecured Debt Consolidation; for higher amounts, there is Debt Consolidation secured with real property.
Ensure Your Peace of Mind
By taking out Insurance of the Ability to Repay a Personal Loan, you will gain the certainty that you and your family will be able to afford your expenses, even in the event of a long-term illness, loss of employment, full disability, or death.
Conditions for Obtaining Expres Loan and/or Flexikredit Overdraft
Anyone complying with the conditions listed below can request the Flexikredit Overdraft facility and/or Expres Loan:
- Citizen of the Czech Republic older than 18 years
- Permanent residence and contact address in the Czech Republic
- A permanent source of income (if you are employed, you must not be in a probationary or termination period)
- A fixed line to work
- For loans above 300,000 CZK: in case of existing shared spouse equity (společné jmění manželů) your wife/husband has to be a co-applicant
- For loans above 500,000 CZK you need to have a co-applicant
- A current account maintained at MONETA Money Bank (If you do not have a current account at MONETA Money Bank, we will gladly open it for you at no charge, before you sign the agreement.)
- Now, you can even apply through an ATM
If you have had a current account and a loan or a Flexikredit at MONETA Money Bank for over 4 months, you will only need:
- A valid personal identification card + another identification document (driving licence, passport, or birth certificate)
- Two telephone contacts (a fixed line to work, in combination with your mobile telephone number or fixed line number)
- A current document of study or your university book (Index) (only for students applying for Flexikredit)
- In case of any change in data given before apllying for a loan you must provide updated documents
If you have had a current account, loan, or Flexikredit with us for fewer than 4 months, or if you are not a MONETA Money Bank client, you will also need:
- Documentation of a steady income
- If you are an employee, then your employer’s confirmation of your income will suffice; you must not be in probationary or termination period, and if you have a temporary job, it must not end earlier than 3 months after the signing of your Flexikredit overdraft application (form Confirmation of Income)
- If you are an entrepreneur, your current tax return for last year and your trade licence (živnostenský list) or a qualified trade licence (koncesní listina)
- If you are a pensioner, your pension assessment
- A document for verifying your contact address, in your name and address - E.g., the original of a SIPO slip, settlement of your rent, telephone, electricity, gas, cable TV bill (no older than 3 months), original settlement (invoice) of the services of a mobile operator or original of a current account statement, loan, or credit card (no older than 1 month)
If you are married and you wish your spouse’s income to be reflected in your application, you need to come to the bank together, and your spouse needs to sign the application and present a confirmation of the income that you have listed in your application.
A Loan Is Easy to Get
You can set up the Flexicredit overdraft option and/or Expres Loan at the MONETA Money Bank branch maintaining your account. If you do not have a current account with us, we will gladly open it for you.
You can also open a current account without waiting at any MONETA Money Bank branch.