Home Credit review
Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Home Credit is a direct lender in the Czech Republic, and its Flexibilni puscka costs nothing to arrange, so it suits borrowers who expect to repay early. Rates are the trade-off: APR runs 12.6% to 29.8% against a site median of 12%, and the highest tier is steep.
Key facts
- Best for
- A fee-free plan in the Czech Republic that you can clear early.
- APR
- 12.6% to 29.8% (Source, checked September 26, 2026)
- Loan amount
- CZK 10,000 to CZK 250,000 (Source, checked September 26, 2026)
- Term
- 50 months (Source, checked September 26, 2026)
- Arrangement fee
- 0 CZK (arranging and administering the Flexibilni puscka is free) (Source, checked September 26, 2026)
- Funding time
- Money sent to your bank account within 2 days of completing all required checks (Source, checked September 26, 2026)
- Representative example
- Flexibilni puscka: 80,000 CZK loan, 2,200 CZK monthly instalment, 109,454 C repaid in max 50 monthly instalments, RPSN 17.1% (Source, checked September 26, 2026)
- Lender type
- Direct lender (Source, checked September 26, 2026)
- Free early repayment
- Yes (Source, checked September 26, 2026)
- Loan types
- Personal, Credit-line, Debt-consolidation, Car, Business (Source, checked September 26, 2026)
- Credit needed
- Fair (Source, checked September 26, 2026)
- Legal entity
- Home Credit a.s. (Source, checked September 26, 2026)
- Headquarters
- Netherlands (Source, checked September 26, 2026)
- Founded
- 1997 (Source, checked September 26, 2026)
- Support channels
- Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Credit line
- Official website
- homecredit.net
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataLinkedInXyoutube.com
Pros and cons
Pros
- Arranging and administering the Flexibilni puscka is free, so no arrangement fee sits on the plan.
- Free early repayment, so clearing the balance sooner adds no charge.
- Support runs on chat, phone and help centre, so a question about a payment has more than one route.
- The range covers personal, credit line and debt consolidation, with the Flexibilni puscka as its credit line.
Cons
- APR runs 12.6% to 29.8%, above the site median of 12%, so the cost of borrowing sits above the field.
- Loan amounts stop at CZK 10,000 to CZK 250,000, well under the €8,769,622.03 ceiling seen across the site.
- The stated credit needed is fair, so a weaker file than that is a harder sell.
Who it suits
- Czech borrowers who want a fee-free plan they can clear early without an extra charge.
- Anyone whose credit file sits at the fair level, since that is the stated bar.
- People financing a car or a small business, both inside the listed loan types.
Who should look elsewhere
- Anyone chasing the cheapest rate on the site: Cashspace ES lists 0%, and Cashspace runs PHP 12 to PHP 36.
- Borrowers who want a lower ceiling on what they pay: Monzo Flex stops at 10% to 23%.
How Home Credit compares
9.1 vs 8.9- 9.1 vs 8.7
8lends
Deudafix
9.1 vs 8.8
myKredit
9.1 vs 8.7Dineria MX
DKB (Deutsche Kreditbank)
- 9.1 vs 8.9
9.1 vs 9.4
5in5
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.8Multitude
9.1 vs 8.6
9.1 vs 8.9
9.1 vs 8.5
Cashback Remortgage
9.1 vs 8.8
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1- 9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9TengeDa
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.3
9.1 vs 8.2Jeff.vn
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Where Home Credit is available
- Available
- Czechia, Slovakia, Vietnam
- Licence in Czechia
- Czech National Bank (CNB) - supervisory authority over consumer credit law compliance, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Flexibilni puscka cost to arrange?+
Arranging and administering the Flexibilni puscka is free, so there is no arrangement fee on the plan. Early repayment is free as well, which means clearing the balance sooner adds no charge. The cost sits in the rate instead: APR runs 12.6% to 29.8% across the published range.
How does the rate compare with other lenders?+
APR runs 12.6% to 29.8% for the published range, against a site median of 12%. The representative example for the Flexibilni puscka sets out a monthly instalment, the total repaid and the number of instalments, which is how a loan like this gets compared across providers.
Who supervises Home Credit in the Czech Republic?+
The Czech National Bank supervises Home Credit for compliance with consumer credit law in the Czech Republic. The lending entity is Home Credit a.s., and the group is headquartered in the Netherlands. A protection scheme for savings is not part of a loan, so the licence and the terms are what matter.
How quickly is the money paid out?+
As a direct lender, Home Credit runs the application and the checks itself, and money is sent to your bank account within a short window after every required check is completed. The timing therefore rests on clearing those checks rather than on the day the application is sent.
What can I borrow and for how long?+
Loan amounts run CZK 10,000 to CZK 250,000 and terms reach 50 months. Home Credit covers personal, credit line and debt consolidation, so personal, car, business and consolidation borrowing all sit under one provider, with the Flexibilni puscka as its credit line.
What credit history do I need?+
The stated credit needed is fair, so a fair file is the target and a weaker history is a harder sell. Home Credit is a direct lender, so the decision sits with the provider rather than with a marketplace of competing offers.
How do I get help once I have a plan?+
Support runs on chat, phone and help centre, so a question about a payment, a plan or an early payoff has more than one route in. Early repayment carries no charge, so closing a plan sooner does not add a fee for doing it early.
Who is behind the brand?+
Home Credit is a direct lender rather than a broker, and it has been lending since 1997. The Czech entity is Home Credit a.s., with group headquarters in the Netherlands. Borrowing sits with the provider itself, so the terms come from a single lender.
Sources
- homecredit.net checked September 26, 2026
Backs: Credit needed
“empowers underserved customers with little or no credit history to access financing”
- homecredit.cz checked September 26, 2026
Backs: Loan types
- homecredit.cz/dulezite-informace checked September 26, 2026
Backs: Licences
- homecredit.cz/poradna checked September 26, 2026
Backs: Support channels
“Poradna a nejčastější dotazy; +420 542 100 100; Napište zprávu (Nela)”
- homecredit.cz/pujcky checked September 26, 2026
Backs: Loan amount, APR, Features, Founded, Free early repayment, Funding time, Legal entity, Lender type, Arrangement fee, Representative example, Term
“Rozsah půjčky: 10 000 Kč až 250 000 Kč”
- homecredit.net/contacts.aspx checked September 26, 2026
Backs: Headquarters
“Home Credit N.V. Zuidplein 168 1077 XV Amsterdam”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Credit check.