Consumer LoanTB
Take an advantageous consumer loan from Tatra banka for whatever you need or want.
Apply for a loan through the Tatra banka application or Internet bankingTB. Funds are available in 10 minutes.

You may use the loan funds for anything

Interest rate from
5.99 % p. a.
(representative example)

Loan without waiting even for new clients

Insuring the ability
to repay the loan
Benefits
- 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.
- 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:
- in an amount from 500 to 30,000 EUR,
- for the period from 12 to 96 months,
- with an interest rate from 5.99 % p. a.
- with a credit fee of 2 % of the loan amount, up to 300 EUR,
- 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 Tatra banka mobile app.


In cooperation with UNIQA insurance company you can arrange:
- loan repayment insurance, which in the event of unforeseen events will give you the certainty that you will continue to be able to repay 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 5.99 % p.a.

Monthly installment:
€66.43
For a loan of 4 000 EUR with a fixed interest rate of 5.99 % p. a., the maturity of the loan with the number of 72 monthly annuity payments, without insurance and with a one-time loan fee of 80 EUR, the annual percentage rate of charge is 7 % with a monthly loan payment of 66.43 EUR. The total amount to be paid by the client is 4 862.96 EUR, while the calculation of interest is based on the actual number of days in individual months and the assumption of the length of the 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.
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/