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Citibank personal loan is an unsecured no-purpose consumer loan
of between 50,000 and 600,000 CZK with period of repayment between
12 and 72 months (for existing clients of Citibank up to 84 months)
and with the possibility of insuring against the inability to
pay back the loan due to death, complete invalidity, inability
to work or even loss of employment
Advantages for you
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No fine for early repayment of the loan
You can pay back the remaining balance in full at any time
without paying any sanction or remaining interest.
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No need for a guarantor or security
You do not need a guarantor or security Citibank offers an
incomparably higher non-guaranteed personal loan up to the
level of 600,000 CZK.
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No need to state the purpose
You can use the money for anything. It will be transferred to your current account and it is up to you alone what you do with it.
No need to open a current account in Citibank
You do not need a current account with us. But if you do decide
to open an account in Citibank you will have a daily overview
of the state of your loan through Citibank Online Internet banking.
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No delays
Call  844 888 844 tell
us how much you need. Select the period of payment or level
of instalments that suits you best and make an appointment
in our branch or with our representative - at the time
and place that suits you best.
- Advantageous
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Loan amount (CZK) |
Repayment period |
100000-149000 |
150000-199000 |
200000-299000 |
300000-600000 |
60 months |
12.90 % |
11.90 % |
10.90 % |
9.90 % |
72 months* |
12.90 % |
11.90 % |
10.90 % |
9.90 % |
APR from 10,94 % to 15,26 %
*You can ask for loan with 72 months repayment period if you are currently repaying another loan from a bank in the Czech Republic for at least 12 months or you had a loan from a bank in the Czech Republic with repayment period of at least 12 months and you repaid it without any delays in your payments. It has to (had to) be a loan with regular monthly installments. An overdraft or credit card is not enough.
How it works
The Citibank personal loan can be acquired
without stating its purpose, without the worry of finding a
guarantor and without the need to open a current account in
Citibank. All this with minimum demands on documentation and
with the possibility of acquiring information about your
maximum loan amount and instalment easily and comfortably by phoning
the number 844 888 844.
All you need
Simple documentation
If you are an employee:
- Your identity card (can be passport as well) and its copy
- Confirmation of employment and level of income or copies of your pay slips for the last 3 months
- Document proving your contact address in case that your contact address differs from your permanent residence address stated in your ID (e.g. mobile phone invoice, bank account statement, facility bills etc.)
If you are self-employed and at the same time you work as a notary, architect or accountant:
- Your identity card (can be passport as well) and its copy
- Your last tax return with stamp from tax authority and its copy
- A copy of the invoice for your lump-sum payment if you do
not have a landline
- Document proving your contact address in case that your contact address differs from your permanent residence address stated in your ID (e.g. mobile phone invoice, bank account statement, facility bills etc.)
If you are working pensioner:
- Your identity card (can be passport as well) and its copy
- Copy of pension certificate
- Post office confirmation of delivery or pension transfer
on latest current account statement
- Confirmation of employment and level of income or copies of your pay slips for the last 3 months
- Document proving your contact address in case that your contact address differs from your permanent residence address stated in your ID (e.g. mobile phone invoice, bank account statement, facility bills etc.)
If you are a foreigner from EU or from Switzerland, Norway, Iceland or Liechtenstein:
- required documentation is the same as for citizens of the Czech Republic
If you are a foreigner from other countries, then you need to submit one of the following combinations of documents:
- ID from your country + Permanent residence certificate or
- Passport + Permanent residence certificate or
- Diplomatic ID
- Other required documentation is the same as for citizens of the Czech Republic
Simple conditions
If you are an employee:
- A citizen of the Czech Republic living and working in the Czech Republic or a foreigner living and working in the Czech Republic
- Age of at least 25 years (a loan may also be offered
to applicants aged 21-24 years if they have already been repaying
another loan in any bank in the CR for at least 12 months without
problems or if in the past they have repaid a bank loan with
repayment time of at least 12 months without problems. This
must be a loan (loans) with regular monthly repayments, not
just a credit card or overdraft).
- Net monthly income from 12,000 CZK (with a co-applicant an
income from 9,000 CZK, jointly 18,000 CZK)
- Employment contract for unlimited period
- Employment for at least 6 months with the present employer
- Landline to employment
- Own mobile phone or landline at home
If you are self-employed and at the same time you work as a notary, architect or accountant:
- A citizen of the Czech Republic living and working in the Czech Republic or a foreigner living and working in the Czech Republic
- Age of at least 30 years
- Activity for at least 3 years in the given field of business
Related Services
Credit Insurance for Personal loans
The insurance covers to the ability to pay up the instalments
on the loan in the case of temporary or permanent disability,
unemployment or death.
Price conditions
Overview of charges and interest rates
| Annual interest rate: |
9.9 % - 19.9 % |
| Charge for processing documentation: |
1% of loan amount |
| Monthly charge for administration of loan account: |
49 CZK |
| Charge for premature total repayment of loan: |
0 CZK |
| Annual percentage rate of costs (APR): |
10.94% - 26.65% for loans without insurance
12.96% - 39.16% for loans with insurance STANDARD
13.96% - 45.69% for loans with insurance PLUS
APR is stipulated in accordance with Law No. 321/2001 Coll.
on certain conditions for the arrangement of a consumer loan,
in its current wording, this being with regard to the volume
of the loan, the period of repayment, the charge for processing
of documentation and possibly the charge for insurance. |
Monthly charge for insurance: |
5 % of monthly instalment (insurance STANDARD)
7.5 % of monthly instalment (insurance PLUS)
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For a complete overview of charges and rates click here.
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