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Personal Finance
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  1. Personal finance
  2. Loans
  3. ReLoan

Transfer one or more loans

Consolidate your loans and exchange all installments for a more favorable one

Up to CZK 1,200,000

We will transfer one or more loans and you can conveniently borrow additional money up to CZK 1,200,000 without a guarantor

Extra repayments free of charge

You can partially or fully repay the loan at any time for free

Spočítejte si RePůjčku

Transfer your loan to us and get reward up to CZK 10,000

You can lower your instalments by up to half and get a reward on your account.

How to get your bonus

  • Arrange a ReLoan with Raiffeisenbank from 1 March to 30 April 2024.
  • We will calculate the reward from the volume of loans transferred to us from another company.
  • If you transfer external liabilities up to CZK 50,000 to us, you will receive a reward of 4% of their value. If you transfer external liabilities over CZK 50,000 to us, you will receive CZK 2,000 for every CZK 50,000 transferred. The maximum reward is CZK 10,000.

 Terms and Conditions

Benefits of the ReLoan

  • What could be consolidated into one loan
    Common loans, credit cards, current accounts, credit companies’ cards, car credits and leasing and loans with given purpose. You can have loans at any bank and also at any non-banking credit company.
  • Lower your instalments according to your needs 
    Do you prefer low instalments or a fast redemption? It is only up to you how you decide. You may set a repayment period from 3 months to 10 years.
  • You can apply for a loan consolidation online in a few minutes 
    You can fill in the application online and you will know about the approval immediately, without waiting. If you're already a client, you don't have to go anywhere. If you do not have account with us yet, you can sign the agreement online by verifying it with Bank iD or in person at a branch. 
  • You do not have to go to original bank at all
    Are you worried that consolidating all the loans will be too complicated? You don’t have to run around your original banks. We will transfer the instalments for you or prepare everything. 
  • Do not worry about unnecessary fees
    Arrangement and maintenance of the loan, extra repayments as well as early redemption are free of charge with us. Without securing by a real estate or guarantor.
  • Loan insurance will protect you and your loved ones  
    Becoming unable to meet financial obligations due to incapacity for work, job loss or an accident can happen to anyone. Loan Insurance will not let you down in adverse life situations.

What else you need to know

Representative example

Loan amount of CZK 290,000 for 120 months with a monthly instalment of CZK 3,048, fixed annual interest rate of 4.8% p.a., and APR of 4.9%. Total amount payable by the consumer – CZK 365,760.