Simplify your life – consolidate your loans into a single PRESTO Loan and obtain more advantageous conditions. You can consolidate consumer loans, credit cards and bank overdrafts. We will arrange everything associated with premature loan repayment at other providers for you.
If you are more than 18 years old, have a permanent address and income in the Czech Republic, are not in a probationary or notice period, and have a telephone contact, you can file an application for the loan br>
Step 1 - Visit a branch and present the following documents:
Step 2 - We will prepare the application for a PRESTO Loan with you, and based on your consent, we will check the credit registers.
Step 3 - If your application is approved, we will prepare a loan according to your demands, sign the Contract for the PRESTO Loan, and the next month you can pay less.
What fees will I pay?
In order not to increase the price of the loan and reflect it in the interest rate, we have kept only the initial fee of CZK 1,500 for loan arrangement.
Do I need a co-applicant?
For loans above CZK 250,000, we can require a co-applicant. For joint property of spouses, a signature of affirmation by the other spouse is required, unless he/she is already the co-applicant of the relevant loan.
Why should I arrange payment protection insurance?
Insurance will protect you against unexpected life situations, e.g. in the event of long-term hospitalization, loss of job, etc.
How do I apply for instalment postponement?
Just visit the bank and sign an application for instalment postponement. You must do so no later than the last calendar day in a month to have the instalment postponed in the following month. The instalment is postponed including the interest rate. It is possible to apply for a postponement of instalment not earlier than after 10 months of due repayment. The instalment can be postponed free of charge up to five times during the repayment period.