Erste Bank Hungary review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Erste Bank Hungary suits Hungarian borrowers with a steady salary and a banked account who want one lender for a personal or consolidation loan. The cost anchor is 13.17%, and HUF 500,000 to HUF 15,000,000 covers sums that stretch well past what most personal lenders will write.

Key facts

Best for
Hungarian salaried borrowers after a fixed rate personal or debt consolidation loan.
APR
13.17% (Source, checked September 26, 2026)
Loan amount
HUF 500,000 to HUF 15,000,000 (Source, checked September 26, 2026)
Term
36 to 96 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 3 business days (Source, checked September 26, 2026)
Representative example
Most Személyi Kölcsön: 3,000,000 HUF over 60 months at 11.99% fixed, total cost in price 1,033,095 HUF, THM 13.17%, total repayable 4,033,095 HUF, monthly instalment 66,718 HUF (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Age 23 or over, permanent resident of Hungary, at least 3 months in the current job, minimum monthly net income HUF 214,000, salary paid to a Hungarian bank account, not on the KHR negative list (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Erste Bank Hungary Zrt. (Source, checked September 26, 2026)
Headquarters
Hungary (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
erstebank.hu

Mortgages

Initial rate
6.54% (Source, checked September 26, 2026)
APRC
6.86% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Product fee
HUF 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Erste Bank Hungary Zrt. (Source, checked September 26, 2026)
Headquarters
Hungary (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataXLinkedIn

Pros and cons

Pros

  • Borrowing runs HUF 500,000 to HUF 15,000,000 on a fixed rate, set at 13.17%
  • Money usually lands Within 3 business days, quicker than most lenders in the ranking
  • Erste Bank Hungary lends direct, so 13.17% is the bank's own number
  • Support runs on phone, email and help centre

Cons

  • Free early repayment is no, so settling early costs money
  • The credit check is hard, and 72.7% of the ranking uses one
  • Applications are closed to anyone on the KHR negative list
Erste Bank Hungary

Ready to try Erste Bank Hungary?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Salaried Hungarian residents paid into a Hungarian bank account
  • Borrowers who want a fixed rate on 36 to 96 of repayments
  • People consolidating existing debts into one instalment

Who should look elsewhere

  • Anyone planning to repay early, since free early repayment is no
  • Borrowers on the KHR negative list
  • Self-employed applicants without a minimum monthly net income

How your money is protected

No licence details are published for this brand, so the protection scheme behind a personal loan cannot be named here. Erste Bank Hungary is a direct lender, which means the 13.17% on a personal loan is set by the bank itself rather than a broker, and the published representative example sets out the full cost in price and total repayable. Mortgage lending sits under the same bank, with a fixed initial rate of 6.54% and an APRC of 6.86%.

The company behind it

The lender behind these loans is Erste Bank Hungary Zrt., a Hungarian company registered in Hungary. It is a direct lender, so applications and decisions stay inside the bank rather than passing to a third party. Support runs on phone, email and help centre, and the published representative example shows what a typical personal loan looks like in monthly instalments and total repayable terms.

How Erste Bank Hungary compares

Where Erste Bank Hungary is available

Available
Hungary

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a personal loan from Erste Bank Hungary?+

The personal loan is priced at 13.17%, held fixed for the whole term. The published representative example shows a fixed rate on its sample loan, with the total cost in price and total repayable both set out, so the full amount is visible before applying.

How much can I borrow?+

Borrowing runs HUF 500,000 to HUF 15,000,000 for a personal loan. The term can be spread over 36 to 96, which lets a larger sum sit on a longer schedule. Home improvement is the listed use case, and the amount is large enough for most renovation projects.

Does a personal loan here come with an arrangement fee?+

A product fee of HUF 0 is listed, so there is nothing to pay on top for setting the loan up. Erste Bank Hungary lends direct rather than through a broker, which keeps the pricing on 13.17% under its own control.

Who can apply for a loan from this bank?+

Eligibility asks for a minimum age, permanent residence in Hungary, a minimum monthly net income, a salary paid into a Hungarian bank account, and a minimum time in the current job. Applicants on the KHR negative list cannot apply.

How is the credit check carried out?+

The credit check is hard, meaning a full file search is run on any application. That is the most common approach in this ranking, where 72.7% of lenders use one, so expect a decision that takes the file search into account.

How quickly is the money paid out?+

Funding runs Within 3 business days for a personal loan. That is slower than the same-day products many lenders in this ranking advertise, so plan the money around a short wait rather than treating it as instant.

Can I repay a loan early without a charge?+

Free early repayment is no on these loans. If you think you may settle the balance sooner, the cost of doing so needs to be weighed in the decision, since the interest rate on 13.17% is fixed but exit is not free.

Does the bank also offer mortgages?+

It does, with an initial rate of 6.54%, an APRC of 6.86% and a fixed period of 10. Maximum loan to value is 80%, and the listed purposes cover purchase, remortgage, first-time buyers and home equity.

Sources

  • erstelakashitel.hu checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “THM 6,86 %”

  • szemelyikolcson.erstebank.hu checked September 26, 2026

    Backs: Credit check, Eligibility, Lender type, Loan types, Pricing model, Rate type, Representative example, Support channels, Term, Use cases

    “nem szerepelsz a Központi Hitelinformációs Rendszer (KHR) negatív listáján”

  • erstebank.hu/hu/ebh-nyito/hitelek-es-otthon/kolcsonok/sze... checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Funding time

    “A Most Személyi Kölcsön 500.000 Ft és 15.000.000 Ft között vehető igénybe.”

  • erstebank.hu/hu/impresszum checked September 26, 2026

    Backs: Headquarters, Legal entity

    “ERSTE BANK HUNGARY ZRT. 1138 Budapest, Népfürdő u. 24-26.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Erste Bank Hungary

Erste Bank Hungary

Hungarian salaried borrowers after a fixed rate personal or debt consolidation loan.

9.0/10See alternatives

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