Kolektivne-pozicky.sk review

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

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Our verdict

Kolektivne-pozicky.sk suits Slovak adults who want a small, short personal or payday loan funded the same day by individual investors. Rates are fixed at 12% to 24% on amounts of €50 to €1,000, and a hard credit check runs on your file before anyone lends.

Key facts

Best for
A small short Slovak loan from individual lenders, funded the same day.
APR
12% to 24% (Source, checked September 26, 2026)
Loan amount
€50 to €1,000 (Source, checked September 26, 2026)
Term
0.5 to 3 months (Source, checked September 26, 2026)
Arrangement fee
Administrative fee for auction entry and loan provision per current fee schedule; registration and assessment free (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day, money on the account immediately after the investor accepts (Source, checked September 26, 2026)
Representative example
Loan 550 EUR at 12% p.a., 3 monthly instalments of 189.00 EUR, total 566.50 EUR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
18+, Slovak ID card, permanent residence in Slovakia, Slovak bank account, regular provable income (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Eurvest s.r.o. (Source, checked September 26, 2026)
Headquarters
Slovakia (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
kolektivne-pozicky.sk

Apps and profiles

Elsewhere
Xfacebook.com

Pros and cons

Pros

  • Fixed rates of 12% to 24% keep the monthly cost predictable
  • Money lands on your account the same day, right after an investor accepts
  • Personal and payday loans with terms of 0.5 to 3
  • Support runs on phone, email and chat for questions before and during a loan

Cons

  • The credit check is hard, so an application leaves a mark on your file
  • An administrative fee applies for auction entry and loan provision, on top of a fixed rate of 12% to 24%
  • Loans stay small, capped at €50 to €1,000, so they will not cover a larger cost
Kolektivne-pozicky.sk

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Scored 8.5 / 10 by BorrowCue.

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Who it suits

  • Slovak adults with an ID card, permanent residence, a Slovak bank account and provable regular income
  • Borrowers who need money in the account the same day
  • People who can pass a hard credit check and prefer a fixed rate

Who should look elsewhere

  • Anyone borrowing more than €50 to €1,000, or wanting a longer term than 0.5 to 3
  • Monzo Flex users, who lend a comparable rate of 10% to 23% over a longer term
  • Cashspace users after a free rate, since Cashspace ES lists 0%

How Kolektivne-pozicky.sk compares

Where Kolektivne-pozicky.sk is available

Available
Slovakia

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

Frequently asked questions

What does a loan cost?+

Rates are fixed at 12% to 24% on amounts of €50 to €1,000, repaid over terms of 0.5 to 3. The published example shows a mid-sized loan repaid in a few monthly instalments, with the total a little above the amount borrowed.

Are there fees to borrow?+

An administrative fee applies for auction entry and loan provision, set by the current fee schedule. Registration and assessment are free, so the main extra cost sits on top of the fixed rate of 12% to 24% on €50 to €1,000.

How fast does the money arrive?+

Funding is same day, and the amount lands on your account immediately after an investor accepts. The timing therefore depends on an investor accepting, and the fixed rate of 12% to 24% applies once someone lends.

Who can apply?+

You need to be an adult, hold a Slovak ID card, have permanent residence in Slovakia, keep a Slovak bank account, and show regular provable income. Terms run 0.5 to 3, so the repayment is always a short one rather than a long loan.

What credit check runs?+

The check is hard, so a full application runs and can leave a mark on your file. The level of credit needed is fair, so a thin file makes approval harder than it would for a mainstream lender.

Who actually lends the money?+

It runs as a marketplace of person to person loans, so individual investors fund the loan rather than a single bank. The platform sits under Eurvest s.r.o., based in Slovakia, and same day funding starts once an investor accepts.

How do I get help?+

Support runs on phone, email and chat, so you can reach the team by phone, email, chat or the help centre. The same channels cover a question before you apply and a problem while you are repaying a fixed rate of 12% to 24%.

Can I get a bigger loan or longer term?+

Amounts run to €50 to €1,000 and terms to 0.5 to 3, so the offer suits a short bridge rather than a large renovation. If you need more room, a lender with longer terms, such as Monzo Flex at 10% to 23%, is worth comparing.

Sources

  • kolektivne-pozicky.sk checked September 26, 2026

    Backs: Legal entity, Support channels

    “Eurvest s.r.o., registered address Dlha 927/95A, Zilina 010 09, ID 53 260 155”

  • kolektivne-pozicky.sk/ako-to-funguje/pozicky-p2p/pozicky-... checked September 26, 2026

    Backs: Credit check, Lender type

    “when approving loans they use their own scoring system”

  • kolektivne-pozicky.sk/o-nas checked September 26, 2026

    Backs: Credit needed, Headquarters

    “banks are not always ready to decide quickly, especially if a client has an unusual situation, insufficient credit history, or the traditional bank refused them”

  • kolektivne-pozicky.sk/rychla-pozicka checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term

    “min. loan 50 EUR ... max. loan 1 000 EUR”

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

Kolektivne-pozicky.sk

Kolektivne-pozicky.sk

A small short Slovak loan from individual lenders, funded the same day.

8.5/10See alternatives

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