I need to refinance

My loans make up a total of EUR. I pay back EUR each month.
Also I need EUR extra cash for shopping.
I will be able to repay my loan back in months.
For the new loan I insurance to protect my loan payments in case of and getting a U Konto for free.

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      Bring your loans to us and get the 2.6% p.a. interest rate with timely instalments. Available for all. For more information click here or visit our nearest branch.

        Reward after count of duly paid instalments
      Amout of loan
      60 - 71 72 - 83 84 - 96
      8 000 - 15 999 €
      1 200 eur 1 600 eur 2 000 - 3 200eur
      16 000 - 23 999 €
      2 400 eur 3 200 eur 4 000 - 6 400 eur
      24 000 - 25 000 €
      3 600 eur 4 800 eur 6 000 - 9 000eur

      Why take out a PRESTO Loan

      • Optimise your finances and pay less or get more
      • We will settle the penalties for early repayment of your existing loans (in the case of arranging payment protection insurance and a current account)
      • Option to obtain additional resources
      • Payment protection insurance with choice of insured risk
      • You can get the loan with a single visit to the bank
      • Direct drawdown to your account immediately upon signing the contract

      Loan parameters

      • Loan amount between EUR 650 upto 25 000 EUR (above EUR 10,000 a co-applicant may be demanded)
      • Optional maturity period 12 - 84 months
      • Actractive interest rate guaranteed throughout the loan repayment period


      *An illustrative example: The client wants to borrow EUR 8,130. The total amount of the loan, including the fee for insurance of the ability to repay the loan over the whole period of repayment of the loan (EUR 1,366) then equals to EUR 9,496; the period of repayment is 7 years with a fixed interest rate of 7.90% p. a.* The amount of the monthly instalment including the loan insurance is EUR 148.11, the monthly fee for granting the loan is EUR 0.58, the annual percentage rate of charge (APRC) is 13.83% and total amount to be paid in the 84 instalments is EUR 12,462.86. The total amount to be paid is EUR 10,462.86, in accounting for the EUR 2,000 bonus for timely repayment, which equals to a 2.6% p. a. interest rate and a 9.47% p.a. APRC.

       The amount of the bonus for timely repayment of the loan only applies to consolidation of existing liabilities into a single lucrative PRESTO Loan (PRESTO Loan – Consolidation of Loans) with 60 – 96-month period of repayment, provided that the loan or a part thereof, is not repaid early.

      *The interest rate shall apply if the client meets the requirements for insurance of the ability to repay the loan, takes out the insurance and uses the UniCredit Bank account.

      This notification is for informative purposes only and shall not be understood as a proposal to enter into a contract. Entering into a contract is conditional upon obtaining necessary internal approvals and signing the relevant documentation.

      *A bonus in the amount of EUR 50 will be paid to the client in case of establishing a PRESTO Loan with at least 60 month repayment period, insurance of the ability to repay the loan and an active use of an account with UniCredit Bank. The total amount (including the insurance of the ability to repay the loan) shall exceed EUR 3,600. The bonus will be paid out after meeting the aforementioned requirements within 40 days from drawing the PRESTO Loan, to the client’s account specified in the Loan Agreement. The offer is valid until withdrawal. The bonus is not available to the existing clients who have already drawn their PRESTO Loans



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