Loan for Anything
Calculate the Loan for Anything
The fastest way to arrange Loans for anything
Arrange a loan simply from your mobile phone
Download our mobile application ČSOB Smart before you can drink your coffee
Our loan will adapt to you
You can keep your loan under control with the Flexi Package. You can pay it off early or cut a big chunk out of it at any time and without a fee.
After the first 6 months of repayment, you can easily adapt your loan:
- Reduce or increase your repayments
- You can defer repayments if you need to
You can face a lot of things when you repay
Everyone can get into trouble from time to time. That's just life. The important thing is not to let it happen and to take action as soon as possible. There is always a way.
To help you get a better idea, we've described the most common situations where it can help to make easy adjustments to your repayments. For example, if you have unexpected expenses or are changing jobs.
If your situation is more serious and you need to pay less in the long term or simply can't manage the repayments, you may need to adjust the loan itself. We can help you in this case too. Read on to find out how to proceed.
You have 30 days "on trial"
If you decide not to use the loan within the first 30 days of taking it out and end up paying it back or repaying the loan in full, that's not a problem. You don't have to worry about any penalties or fines, on the contrary: we will refund the interest paid on the repayments you have already made. The full terms and conditions can be found directly in the contract.
Not valid for loans granted at Czech Post branches.
We will insure you in case you cannot pay
Worried that you might experience a difficult life situation and be unable to repay the loan? With our insurance, you don’t need to worry. We will help you and take care of your instalments.
You can choose from 3 insurance coverage options:
- For health – insurance against incapacity to work, permanent disability, and death
- For work – insurance against loss of income, permanent disability, and death
- For everything – insurance against incapacity to work, loss of income, permanent disability, and death
You can easily switch between the options:
- From a higher to a lower one at any time
- From a lower to a higher one up to 6 months from the conclusion of the loan contract
The insurance is provided by ČSOB Pojišťovna, a. s.
Documents for download
Remaining documents for download can be found on this webpage (in Czech only).
Sample example for an online loan
Loan of CZK 300 000 with a maturity of 8 years: fixed interest rate of 8.9% p.a., APR of 9.3%, monthly repayment of CZK 4 380, total repayment of CZK 420 480. This is not a proposal to conclude a contract.
The interest rate is set individually and is influenced by several factors, such as the amount of the loan or the length of repayment. However, the interest rate will never exceed 17,9 % per annum.
Additional information
This is an indicative calculation only, the specific parameters of the loan will be specified in the pre-contractual information and the loan agreement.
For all loans from CZK 300,000 and above granted for the period 1 January - 30 April 2024:
- 62% of clients achieved an interest rate of up to 8.5% p.a.
- 19% of clients achieved an interest rate of 8.5-10% p.a.
- 19% of clients achieved interest above 10% p.a.