How to apply for an Express loan

At the beginning it is important to distinguish whether the applicant is a client of the bank or only becomes a client. For them, the process will be a bit longer, so there are legal requirements to be met.

The approval of a loan is influenced by several factors.

Loan and Credit Bank will provide one loan every 2 minutes. This is due to low interest rates – from 4.9% per annum (APR from 5.0%).

Use the calculator to set the necessary parameters, loan amount and repayment period. On the right you will see all the necessary loan parameters: interest rate, APR and total amount that the applicant will pay for the loan.

Are there any other fees?


There is no charge for providing a credit when processing online. Only if the applicant applies for it at a branch or by phone. Other fees are not directly related to the loan, but can be found in the Fees section.

What documents are required to apply?

The following are required to apply:

  • two identity documents – identity card and passport, driver’s license or birth certificate,
  • if the applicant is a foreigner, passport or ID CARD and residence permit in the Czech Republic,
  • permanent income confirmation,
  • if the requested amount is higher than USD 500,000, you will need to join a co-applicant.

Are there other options for Loan and Credit Bank loans ?


In addition to Expres loans the bank offers quite interesting options that are to be considered. For example, it is a loan for sole traders and companies and solutions for large companies.

The application process is very easy. It is described directly on the bank’s page and the applicant should follow it as follows:

  1. The first step is to set the loan parameters using a calculator. If the set amount and the repayment period are convenient for us, we click on the I want a loan button and then on Settlement online.
  2. The second step is to fill in the necessary contact details.
  3. Pressing the Continue button will take you to the personal information page. We will fill in the necessary data again and go to the next page.
  4. We will enter information about our employer and income.
  5. On the last page, we will complete the application and complete the process.

We will then be notified if our application is approved.

If you need more information….

More information about the loan.

  • Debtor
  • monthly payment
  • online loan
  • initial costs
  • charge
  • provider
  • contract
  • loan request

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