Consumer LoanTB
Take an advantageous consumer loan from Tatra banka for anything you need or desire right now.
You may use the loan funds for anything
Interest rate from
5,9 % p.a.
(representative example)
Loan without waiting even for new clients
Insuring the ability
to repay loan
Benefits
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Available 24 hours a day / 7 days a week
If you belong among Tatra banka clients, you can arrange the customer loan for any purpose 24 hours a day 7 days a week. -
Without waiting – also for new clients
You will already obtain the final offer at the first meeting. The funds will be credited to your account immediately after signing the loan agreement.
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Fixed interest rate throughout the loan term
Thanks to the fixed interest rate you know how to deal with the funds designated for the loan long in advance. -
You can insure your ability to repay a loan
Insurance of the ability to repay will give you certainty in case of unforeseen events that you will be able to continue repaying the loan.
Qualification conditions
You may obtain the Consumer LoanTB:
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in an amount from €500 to €30,000,
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for the period from 12 to 96 months,
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with acceleration repayment,
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with an interest rate from 5.9% p. a. – a representative example, (tooltip3)
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with the origination fee in the amount of 2% of the provided loan amount, max. €300,
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without any limitation – the loan does not require any co-debtor or guarantor
You may draw the loan via the Tatra banka mobile application
- Wherever you are, you may currently get and draw the Consumer LoanTB or Refinance LoanTB also via the mobile app of Tatra banka.
Consumer LoanTB also comprises:
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a new credit card with no card fee for up to 12 months
V prípade splnenia Programu odmeňovaniaTB a za podmienky každomesačnej úhrady celej dlžnej sumy najneskôr v deň splatnosti bude RPMN = 0,00 %. Za predpokladu vyčerpania úverového rámca ihneď prostredníctvom POS terminálu a následného splácania iba minimálnej splátky vo výške 5 % z dlžnej sumy – minimálne však 15 EUR, bude musieť klient zaplatiť celkovú sumu vo výške: 1 033,72 EUR. Parametre použité na výpočet reprezentatívneho príkladu: celkový úverový rámec: 650 EUR, typ karty: Visa štandardná, mesačný poplatok za hlavnú kartu: 2,50 EUR, variabilná výška štandardnej úrokovej sadzby: 18,80 %, RPMN: 30,32 %, lehota splatnosti: 12 mesiacov.
Total credit limit: €650, monthly card fee: €2.50, variable standard interest rate: 18.80% APR: 30.32%, instalment: €59.84, maturity period: 12 months. Total amount paid by the client: €1,033.72 (provided that the credit line is disbursed immediately via a POS terminal and minimum installments of 5% of the amount due – but at least €15 – are then repaid over 55 months).
In cooperation with UNIQA insurance company you can arrange:
- insurance of your ability to repay the loan, which will give you certainty in case of unforeseen events that you will be able to continue repaying the loan.
Where to apply for the Loan
If you are a Tatra banka client and have a pre-approved credit limit, you may draw the loan comfortably from your home 24 hours per day 7 days per week within several minutes via Internet BankingTB or the Tatra banka app also without pre-approval.
Leave us your contact information and we will call you back. Loan agreements may be confirmed over the phone by verifying your voice via our unique service Voice BiometricsTB or in any branch.
Calculation/APR of the Consumer LoanTB
Loan amount: €4,000,
term: 6 years
Interest rate:
5.9 % p.a.
Monthly installment:
€66.26
With a loan of €4,000, fixed interest rate of 5.9% p.a., term of 72 monthly instalments, without insurance and with one-time origination fee of €80, the annual percentage rate is 6.9% and the monthly loan instalment is €66.26. The total amount paid by the borrower is €4,850.72.
Frequently Asked Questions
After conclusion of the loan agreement the funds will be immediately sent to the contractual account of the client.
The loan may be repaid early at any time. If the sum of remaining principal amounts up to €10,000, an early repayment is free of any charge.
If the sum of the remaining principal amounts to more than €10,000, the cost of early repayment must not exceed 1% of the early repaid loan amount by virtue of law.
You may set the repayment date yourself, for example according to the pay date of your wage.
An identity card is sufficient when applying for a loan.
Yes, the bank will not investigate the aim of the funds use, therefore the Consumer LoanTB may be used for anything – a car, holiday, house or apartment refurbishment, weekend cottage, new computer, phone or games console.
Do you need to deal with a mortgage?
We will contact you with the best offer for you. Leave us your phone number.
https://www.tatrabanka.sk/en/personal/loans/consumer-loan/