6 installments
Apart from interest,
you pay no other
hidden fees.
Forgiveness of Installments
- Overview of the number of installments we will forgive you:
| Agreed Loan term in months |
Number of Installments the Client is entitled to have forgiven | |
|---|---|---|
| Loan up to CZK 300,000 incl. | Loan over CZK 300,000 | |
| up to 35 incl. | 0 – no entitlement to Installment Forgiveness | 0 – no entitlement to Installment Forgiveness |
| 36 to 47 incl. | 0 – no entitlement to Installment Forgiveness | 1 |
| 48 to 59 incl. | 1 | 2 |
| 60 to 71 incl. | 2 | 3 |
| 72 to 83 incl. | 3 | 4 |
| 84 to 95 incl. | 4 | 5 |
| 96 and more | 5 | 6 |
Information and Rules for Installment Forgiveness
Advantages of the Fio loan
- Quick approval and setup online
- Borrow from CZK 10,000 to CZK 6,000,000
- Repayment terms from 6 to 96 months
- No hidden fees other than interest
- Early repayment anytime and free of charge
- Free reduction of the monthly installment during the repayment period
- Interest rate from 3.98% with waived installment (representative example)
- We also offer installment loans to businesses and freelancers
You can find indicative parameters in our calculator; exact calculations and specific loan conditions will be available after filling out an online application in Internetbanking or Smartbanking.
What are the requirements to get a Fio loan approved?
- You hold a current account with us in Czech crowns (individual – consumer)
- Your account receives regular income (e.g. salary, pension, business income)
- You have an unblemished credit history
You can simply apply for an installment loan in Internetbanking (+New product) or Smartbanking (section My Fio > +New product). We will automatically assess your request and everything can be processed within a few moments. Of course, you can also apply for a loan at any of our branches.
Representative example
Loan of CZK 100,000, loan term 5 years, monthly annuity installments of CZK 2,026.69, fixed interest rate of 7.98% p.a., APR (Annual Percentage Rate) 8.28% p.a., total amount payable CZK 121,600.81. The representative example does not take into account any potential waiver of installments. Mandatory information provided in advertising.
Calculate your loan
Important documents
- Pricelists
- Informace trvale přístupné spotřebiteli ke splátkovému úvěru
- Informace týkající se zprostředkovatele
What to Do If You Get into Trouble Repaying Your Loan
- If you do not have enough funds to repay your loan, start addressing the situation immediately.
- Visit a branch, call our helpline at +420 224 346 800, or write to us via Fio Service directly within internet banking so we can start finding a solution together.
- We deal with each case individually. Possible solutions may include, for example, deferring your installments or reducing their amount by extending the loan maturity period.
