Limecredit review

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

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Our verdict

Limecredit serves Czech borrowers through a fixed-rate personal loan with an origination fee of 0 CZK and money usually sent the same day you are approved. It suits adults with permanent residence in the Czech Republic and a bank account at a Czech bank who want a predictable repayment to plan around.

Key facts

Best for
A fixed-rate personal loan in Czech koruna with a fee-free setup and same-day payout.
APR
3.62% to 1,141.2% (Source, checked September 26, 2026)
Loan amount
CZK 20,000 (Source, checked September 26, 2026)
Term
3 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 CZK (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
within 15 minutes of approval (Source, checked September 26, 2026)
Representative example
20 000 CZK for 3-36 months at 2.99% p.a., max RPSN 4.39%, 594 CZK monthly, 24 967 CZK total (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
18 or older, valid permanent residence in the Czech Republic, bank account at a Czech bank (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
FinBakers, s.r.o. (Source, checked September 26, 2026)
Headquarters
Czechia (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
limecredit.cz

Pros and cons

Pros

  • The origination fee is 0 CZK, so arranging the loan adds no separate charge on top of the interest.
  • Same-day funding is a listed feature (same day funding) and payout can follow within 15 minutes of approval.
  • The rate is fixed, so the monthly repayment stays level across the term of 3 to 120.
  • It works as a broker, so offers come from lenders rather than one balance sheet, and the firm sits on the Czech National Bank register.

Cons

  • The cost of borrowing spans 3.62% to 1,141.2%, so a matched offer can sit well above the 12.25% median for personal loans here.
  • The credit check on every application is hard, so a decline can be seen by other lenders.
  • Eligibility asks for permanent residence in the Czech Republic and a bank account at a Czech bank, so it serves a single market.
Limecredit

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Who it suits

  • Borrowers in the Czech Republic who want a fixed monthly cost they can plan around.
  • Adults with a Czech bank account who need money the same day rather than later in the week.
  • People who would rather have a broker pass their application to lenders than apply to a single lender.

Who should look elsewhere

  • Borrowers outside the Czech Republic, since eligibility needs permanent residence there; Monzo Flex is a different market at 10% to 23%.
  • Anyone who wants a soft prequalification step, because the check here is a full credit check.

Who runs it

Limecredit is a service of FinBakers, s.r.o., a company based in the Czech Republic. The firm appears on the register of the Czech National Bank, the country's financial regulator, under licence number 24849707. The registered entity is the party that arranges the loan, so check that name on any agreement you sign.

How Limecredit compares

Where Limecredit is available

Available
Czechia, Kazakhstan
Licence in Czechia
Czech National Bank (24849707), checked September 26, 2026

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

Frequently asked questions

How much can I borrow from Limecredit?+

The broker advertises personal loans up to CZK 20,000. What you actually receive depends on the lender you are matched with and the term you choose, which runs 3 to 120. Borrowing more over a longer term lowers the monthly payment and raises the total repaid, so the term is the main lever you control.

What does Limecredit cost to arrange a loan?+

The origination fee is 0 CZK, so setting the loan up adds no separate arrangement charge on top of the interest you pay. The rate itself is fixed and sits within 3.62% to 1,141.2%, a wide range that depends on which lender you are matched with and how much you borrow.

Does Limecredit run a credit check?+

Yes. The credit check on every application is hard, the thorough type, so lenders can see the search on your file. There is no soft prequalification step listed, which means asking for an indicative rate is a real application rather than a free estimate.

How quickly will the money arrive?+

Same-day funding is a listed feature (same day funding), and the stated payout is within 15 minutes of approval. That clock starts once an application is approved, so a decision that takes longer pushes the transfer back too. Money goes to the bank account you hold at a Czech bank.

Who runs Limecredit and who lends the money?+

Limecredit is a service of FinBakers, s.r.o., a firm based in the Czech Republic, and it is set up as a broker. The intermediary introduces you to lenders rather than carrying the loan on its own account, and it is listed with the Czech National Bank.

Who can apply for a Limecredit loan?+

You need to be an adult with a valid permanent residence in the Czech Republic and a bank account at a Czech bank. Applications cover a single market, the Czech Republic, so a resident of another country cannot apply on the same terms. Personal loans are the only product listed in the range.

What does the representative example show?+

The published example sets out the amount borrowed, the range of terms, the annual rate, the maximum RPSN, the monthly payment and the total repaid. Reading the total figure rather than the rate alone is the quickest way to see what a term of 3 to 120 costs in practice.

Sources

  • limecredit.cz checked September 26, 2026

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

    “The ideal loan of our customers is 20 000 CZK over 3 to 36 months”

  • limecredit.cz/documents/informace-o-zprostredkovateli checked September 26, 2026

    Backs: Legal entity, Lender type, Loan types, Arrangement fee, Licences

    “Business name of the intermediary: FinBakers, s.r.o., IČO 09151541, registered in the Commercial Register of the Municipal Court in Prague under sp. zn. C 331699”

  • limecredit.cz/documents/obchodni-podminky checked September 26, 2026

    Backs: Credit check, Headquarters

    “data filled in by the applicant will be used to look up the lenders' registries (SOLUS, BRKI, NRKI, CRIF, insolvency register)”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

Limecredit

Limecredit

A fixed-rate personal loan in Czech koruna with a fee-free setup and same-day payout.

8.9/10See alternatives

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