Consumer loan^TB

Yes, the bank will not investigate the aim of the funds use, therefore the Consumer loan^TB may be used for anything – a car, holiday, house or apartment refurbishment, weekend cottage, new computer, phone or games console.

For the purposes of providing the Consumer loan^TB, we accept income as standard:

• employee - is assessed retrospectively for the last 12 months (including regular bonuses, 13th and 14th salary), respectively for a shorter period, but at least for 3 months,
• employee abroad - minimum employment period of 6 months,
• parental allowance – received exclusively from the territory of the Slovak Republic,
• care allowance - if it is the income of a natural person who cares for a person / child dependent on full-time, personal and regular care, and it must not be the only source of income
• pensions - old-age, widow's, invalid and long-service pensions,
• natural person entrepreneur - at least one completed tax period,
• legal entity - minimum business duration of 24 months,
• the minimum amount of income of all persons entering into a credit relationship flowing from the territory of the Slovak Republic = 500 EUR.

For information on rental income, contract income, seasonal work, etc. contacts DIALOG Live (*1100), from abroad use the number +421 2/5919 1100.

Print the necessary receipt forms (available in Slovak).

After your loan application has been approved, you can find all the pre-contractual information as well as the draft contractual documentation for the loan in the Tatra banka application or in Internet banking^TB. After you familiarize yourself with them and accept the contractual documentation, the funds from the loan will be immediately sent to your account.

With a standard application, we can provide you with a loan before you finish your coffee, i.e. within about 10 minutes. In the event that an individual assessment of the application is required, the approval time may be extended. However, we approve most loan applications within 24 hours.

Documents awaiting signature can be found in the Tatra banka mobile application in the Other options -> Messages and documents section and in Internet banking^TB in the Documents -> Message box -> Documents section.

If you can't log in to Internet banking^TB because you don't remember the PID or password, click on the "Need PID or password" link in the login screen.
Next, via "Forgot your PID?", you can view the PID, where you need to fill in the e-mail address and phone number that you have defined in the PID profile.

The PID can always be found in the Contract Documentation - the contract name is "Confirmation of Client Details" and "IAAP Agreement".

The loan can be repaid early at any time. If the amount of the remaining principal is up to 10 000 EUR, early repayment is free of charge.

According to the Consumer Credit Act, the cost of early repayment must not exceed 1 % of the early repayment loan amount for the amount of the remaining principal above 10 000 EUR.

You can make extraordinary installments in the branch or via DIALOG Live.

If the loan was granted with the benefit of the First installment forgiven and you request its partial or full early repayment, within the first 24 months from the granting of the loan, you are also obliged to pay the forgiven first installment.