On-line Minute Loan in a few minutes

If you don´t have a current account with us yet, we will open it along with a loan and you will use it to repay your loan. We guarantee you free maintenance and usual banking services for the duration of your loan. In addition, our account has many benefits including a contactless payment card with free withdrawals from all ATMs in the CR and worldwide.

Yes, we are prepared to grant a loan to you, as well. All you need to do is to stop by any of our branches to arrange everything needed.

If you are a customer of Raiffeisenbank, you will make your entire application on-line and will have the money in your account within several minutes after signing the contract. If you are not our customer yet, we will arrange your application on-line and you will sign the agreements at any of our branches. When the agreement is signed, the money will be sent to your account immediately.

We will provide you with information about the possibilities of changing the amount of the monthly instalment or the length of repayment of your loan at any of our branches.

The APR (annual percentage rate) enables you to compare how favourable various loans are, because it includes both the interest rate and fees associated with the loan and also for how long and at what intervals the loan is being repaid. Our loans do not have any fees, and the APR is still higher than the interest rate. This is due to the fact that our loans are being repaid on a monthly basis. 

We have understanding for a difficult situation and we know that it can happen to every one of us. Should you get into difficulties in repaying, let us know about it as soon as possible. We will advise you and find a satisfactory solution. You can call us at 412 440 000 from 7 a.m. to 10 p.m. We also recommend to arrange a payment protection insurance (preferably immediately upon origination of the loan).

• Choose a suitable instalment date. The best date is four days after your paycheck is deposited to your account. You’ll have money available for the instalment even if your paydate falls on a weekend or a holiday. You can make the change free of charge in your Internet banking.
• Keep an eye on transfers. If your paycheck or other source of income is not deposited to an Raiffeisenbank account, i.e. you transfer the money for the instalment from another bank, set up a standing order – you won’t have to worry about it and you’ll minimize the risk of forgetting a transfer.
• Allow for extra time. If you use the postal service to send money for instalments, put in the order several days before the instalment date because this service often takes much longer than a bank transfer.
• Consider the instalment amount. When you take out a loan, set the instalment amount so that at least 20% of your monthly income is left on your account after subtracting your reoccurring and regular expenses, including the instalment.
• Consider repayment insurance, particularly for larger loans and mortgages. It can help you out if you suddenly lose your job, have an unexpected injury or experience a long-term illness.