Consumer LoanTB
Take advantageous consumer loan for anything and we'll waive the first installment
You can now apply for Digital loanTB quickly and easily via Tatra banka mobile application even if you are not our client. You have your resources available in 10 minutes. In addition, as a new client, you get a 100 % discount on the loan fee.
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 the 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 a customer loan for any purpose 24 hours a day 7 days a week. -
Without waiting – also for new clients
You will 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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with 1. installment waived,
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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 an interest rate from 5.9 % p. a.
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with a loan fee* of 2 % of the loan amount, up to €300,
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*100 % discount on loan fee for new clients who apply for a loan through Tatra banka mobile application,
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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
In the case of fulfilling conditions of the Reward ProgramTB and subject to monthly payment of the sum due not later than on the due date, APRC will be 0.00 %. Provided that the credit facility is spent immediately via the POS terminal and the subsequent repayment of only a minimum instalment of 5 % of the due amount - at least EUR 15, the client will have to pay the total sum in the amount: EUR 1 033.72. Parameters used to calculate an example:total credit facility: EUR 650, card type: Visa Standard Private, monthly fee for the main card: EUR 2.50, variable amount of the standard interest rate: 18.80 %, APR: 30.32 %, maturity period: 12 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:
from 5.9 % p.a.
Monthly installment:
€66.26
For a € 6,000 loan with a fixed interest rate of 5.90 % pa, a repayment period of 84 monthly annuity installments (the first one will be paid by Tatra banka), basic insurance (for death and disability) with a monthly premium of € 1.66 and a one-off loan fee € 0 represents an annual percentage rate of charge of 6.76 % at a monthly loan repayment of € 87.60. The total amount paid by the client is € 7,410.24, while the calculation of interest is based on the actual number of days in each month and the assumption of a calendar year of 360 days.
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.
You do not pay the first loan installment, we will pay it for you. The first month, you only pay for credit insurance. In the event of partial or full early repayment within the first 24 months of the loan being granted, you are also required to pay the forgiven first installment.
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/