That is not a problem. However, if you intend to repay the loan using your own funds, please contact us at least 3 days in advance. You may transfer funds elsewhere at any time.

A request for early repayment can be processed easily at a branch.

Certain costs may arise due to early repayment, and we may ask you to reimburse only the actual costs reasonably incurred. You will be informed of the exact amount when submitting your request.

Such costs will never exceed 1% of the amount being repaid. If less than one year remains until the scheduled maturity date, they may not exceed 0.5%.

Yes, of course. The process is similar to early repayment of the entire loan.

• The request should be submitted at least 3 days in advance.
• It can be arranged at any branch.
• We may charge a fee to cover reasonably incurred costs.
• The exact amount will be communicated during the application process.

The most important thing is to inform us as soon as possible. Do not take out additional loans elsewhere to cover repayments, as this can lead to a dangerous debt spiral.

Together, we can find a solution, such as:

• payment postponement,
• extending the repayment period,
• refinancing,
• consolidating several loans into one.

You can also protect yourself through insurance, which helps in the event of income loss. Details can be found on the Additional Insurance page.

Even without insurance, we are ready to help. Contact your banker or call +421 222 205 761 as soon as difficulties arise.

If the delay is only short-term, we may simply agree on a later payment date. In the event of longer-term difficulties, such as unemployment, we may allow payment deferrals. Please note that this usually extends the loan term and may increase total interest costs.

In cases of enforcement proceedings, insolvency, or other serious financial hardship, we recommend seeking assistance not only from us but also from independent debt advisory services or non-profit organizations.

Please note that payment deferrals are not granted automatically. Each situation is assessed individually, and supporting documents may be required, such as proof of unemployment or incapacity for work.

If you fail to make a payment and do not contact us, we will remind you via email, SMS, and telephone.

Default interest will also begin to accrue. This is calculated in accordance with Slovak legislation as the European Central Bank interest rate plus 5 percentage points. For example, if the ECB rate is 2.14% p.a., the default interest rate would be 7.14% p.a.

If repayments remain overdue for more than three months and the overdue amount reaches the statutory threshold, we may require immediate repayment of all or part of the loan. This is known as acceleration. Before doing so, we will always send you a formal demand and provide at least 15 days to settle the debt.

Insurance helps if you are unable to repay the loan due to a serious reason, such as losing your job. When taking out the loan, you can choose from three insurance options tailored to different life situations. Further information is available on the Additional Insurance – Payment Protection Insurance page.

Insurance can also be added later, provided it is arranged before any repayment difficulties arise.

No. Loan origination is free of charge, whether arranged online or at a branch. As long as you repay the loan according to the agreed terms, no additional loan fees apply.

If you also open a bank account with us, account maintenance fees may apply according to the current price list.

The final interest rate depends not only on the loan amount and repayment period shown in the calculator but also on an assessment of your creditworthiness and repayment capacity.

The exact rate will be calculated during the online or branch application process, which is completely non-binding. You can also review the applicable interest rate range for guidance.

The calculator displays the rate available to clients who actively use our current account. This means making at least 3 card payments per month and receiving credits equal to at least 1.5 times the monthly instalment amount. If you do not yet have an account with us, you can easily open one and potentially reduce your loan costs. Otherwise, the interest rate will be slightly higher.

• Pricelist of Bank Services for Individuals - Non-Entrepreneurs
• Certificate of Income from Employment
• Product Business Terms and Conditions for Loans