Hitel.hu review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Hitel.hu suits Hungarian borrowers funding home works or a refinance, since it is a broker dealing in fixed-rate personal, secured and debt consolidation loans. Borrowing runs to up to HUF 15,000,000, an origination fee of 0 HUF applies, and phone support is there once an application moves.

Key facts

Best for
Fixed-rate Hungarian home and refinance loans with no arrangement fee.
APR
3% (Source, checked September 26, 2026)
Loan amount
up to HUF 15,000,000 (Source, checked September 26, 2026)
Arrangement fee
0 HUF (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Loan types
Personal, Secured, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
OC Penzugyek Hitelkozvetito Kft. (OC Pénzügyek Hitelközvetítő Kft.) (Source, checked September 26, 2026)
Headquarters
Hungary (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
hitel.hu

Mortgages

Initial rate
3% (Source, checked September 26, 2026)
Maximum loan to value
90% (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
Broker (Source, checked September 26, 2026)
Legal entity
OC Penzugyek Hitelkozvetito Kft. (OC Pénzügyek Hitelközvetítő Kft.) (Source, checked September 26, 2026)
Headquarters
Hungary (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Every product runs on a fixed-rate basis (fixed rate), so payments do not drift with market rates.
  • A ceiling of up to HUF 15,000,000 sits well above the site median €876.96.
  • Personal, secured and debt consolidation sit together (personal, secured and debt consolidation), with home improvement named (home improvement).

Cons

  • Support runs on phone only, with no email or chat route for questions.
  • It is a broker (broker), so approval and the final rate come from the partner lender.
  • Secured borrowing tops out at a maximum loan to value of 90%.
Hitel.hu

Ready to try Hitel.hu?

Scored 8.7 / 10 by BorrowCue.

See alternatives

Who it suits

  • Hungarian homeowners planning works, since home improvement is the named use case (home improvement).
  • Readers who want the rate locked, given the fixed-rate basis (fixed rate) across the range.
  • Borrowers folding several balances into one fixed-rate agreement (personal, secured and debt consolidation).

Who should look elsewhere

  • Monzo Flex, at 10% to 23% APR, for readers wanting a rate band on a local personal loan.
  • Cashspace, at PHP 12 to PHP 36 APR, for readers shopping across a wider spread of lenders.
  • Cashspace ES, at 0% APR, for readers comparing on headline cost alone.

Where it sits among rivals

On loan amount, Hitel.hu ranks 62 of 685 brands on the list, a strong placing for a Hungarian broker working in forints.

How Hitel.hu compares

Where Hitel.hu is available

Available
Hungary

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

Frequently asked questions

What fees does Hitel.hu charge?+

The origination fee is listed at 0 HUF and the product fee at HUF 0, so nothing is payable to arrange the loan. The cost of borrowing sits in the rate itself, which helps readers used to paying a broker for a personal loan.

Is the rate fixed or variable?+

The headline rate is 3% and the rate type is fixed (fixed), so the monthly payment does not drift with market moves. Every product is priced on the same fixed-rate basis, which makes month to month budgeting easier to plan.

How much can I borrow from Hitel.hu?+

The maximum loan amount is up to HUF 15,000,000, a far higher ceiling than the €876.96 median amount across the site. That headroom suits large renovation bills and for pulling several existing balances into a single fixed-rate agreement.

Which kinds of loan does Hitel.hu arrange?+

The product list covers personal, secured and debt consolidation loans (personal, secured and debt consolidation). Debt consolidation suits anyone juggling several monthly commitments, while secured lending suits readers who want the rate tied to a property.

Is Hitel.hu a lender or a broker?+

Hitel.hu is a broker (broker), so it puts borrowers in front of partner lenders rather than carrying the debt itself. The company behind the site is OC Penzugyek Hitelkozvetito Kft., and the final rate comes from the lender a reader is matched with.

Which market does Hitel.hu serve?+

Hitel.hu is based in Hungary (HU), and its amounts are quoted in forints with a ceiling of up to HUF 15,000,000. Borrowers shopping in other European markets should compare with lenders in their own country, since a forint loan is not a substitute for a locally arranged one.

What can I use the money for?+

Home improvement leads the list (home improvement), and the stated purposes cover a purchase, a remortgage, a first time buyer and home equity (purchase, remortgage and first time buyer). Readers who move from renovating a room to releasing value from the property can stay with the same broker.

How do I contact Hitel.hu?+

Support is by phone (phone), which suits readers who prefer to talk a decision through. No email or live chat is listed, so the number is worth keeping to hand when checking a quote or following up an application.

Sources

  • hitel.hu checked September 26, 2026

    Backs: Use cases, APR, Headquarters, Lender type, Loan types, Arrangement fee

    “Lakás/ház felújítása”

  • hitel.hu checked September 26, 2026

    Backs: Product fee, Purpose

    “Free of charge - Conveniently - Personally - Search, find, save!”

  • hitel.hu/blog/3-os-lakashitel-magyarorszagon-atfogo-utmut... checked September 26, 2026

    Backs: Initial rate, Maximum loan to value

    “Although the interest rate will be uniformly 3%, the banks' other costs and conditions may differ”

  • hitel.hu/rolunk checked September 26, 2026

    Backs: Legal entity

    “Sales Director - Hitel.hu, OC Pénzügyek Hitelközvetítő Kft.”

  • hitel.hu/szemelyi-kolcson checked September 26, 2026

    Backs: Loan amount, Pricing model, Rate type, Support channels

    “Személyi kölcsön: akár 15 millió Ft is felvehető”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Credit check, Funding time, Representative example.

Hitel.hu

Hitel.hu

Fixed-rate Hungarian home and refinance loans with no arrangement fee.

8.7/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings