PROFI CREDIT Slovakia review

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

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Our verdict

PROFI CREDIT Slovakia suits Slovak residents with steady employment who want a small personal loan for home improvement, with borrowing of €500 to €5,000 at APRs of 21.1% to 65.32%. The trade-off is cost: an arrangement fee of 6% falls due before disbursement, which makes the headline rate less useful on its own.

Key facts

Best for
A modest home improvement loan for salaried workers in Slovakia who need the cash the same day.
APR
21.1% to 65.32% (Source, checked September 26, 2026)
Loan amount
€500 to €5,000 (Source, checked September 26, 2026)
Term
6 to 36 months (Source, checked September 26, 2026)
Arrangement fee
6% of the loan amount (180 EUR on a 3 000 EUR loan), due before disbursement (Source, checked September 26, 2026)
Funding time
Same day as the application, usually within 3 hours on business days 8:00-16:30 (Source, checked September 26, 2026)
Representative example
Loan 3 000 EUR, 12 months, 180 EUR fee due before disbursement, monthly payment 260.17 EUR, annual rate 7.43%, max APR 21.00%, total 3 302.04 EUR (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Min age 18, permanent residence in Slovakia, stable employment income in Slovakia, own bank account in a Slovak bank, not in probation or notice period, no enforcement or insolvency proceedings (Source, checked September 26, 2026)
Origination fee (%)
6% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
PROFI CREDIT Slovakia, s.r.o. (Source, checked September 26, 2026)
Headquarters
Slovakia (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
proficredit.sk

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • same day funding means money usually reaches the account on the day of the application.
  • Free early repayment, so clearing the balance sooner costs nothing extra.
  • Support runs on phone, email and help centre, giving phone, email and help centre cover.
  • direct lender means you deal with the lender itself rather than a broker.

Cons

  • An arrangement fee of 6% is due before disbursement, so you pay to get started.
  • APRs run 21.1% to 65.32%, well above the site median 12%.
  • Loan sizes run €500 to €5,000, which suits smaller jobs than a full renovation.
PROFI CREDIT Slovakia

Ready to try PROFI CREDIT Slovakia?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Slovak residents in permanent employment, with income paid into a bank account in the country.
  • Borrowers planning a modest repair or renovation who need the money quickly.
  • People who can clear the balance sooner, since early repayment is free.

Who should look elsewhere

  • Monzo Flex customers, whose terms stretch well beyond the 6 to 36 schedule here.
  • Anyone in a probation or notice period, or facing enforcement or insolvency proceedings, as the eligibility criteria exclude them.
  • Cashspace ES customers after a large project, since borrowing here runs €500 to €5,000.

How your money is protected

PROFI CREDIT Slovakia is a direct lender, and its registration number is 288241, listed with Národná banka Slovenska. The representative example sets out a loan with a fee due before disbursement, a monthly payment and the total repaid, so the full cost is visible before signing.

The company behind it

PROFI CREDIT Slovakia, s.r.o. is based in Slovakia and has been lending since 2000. Support runs on phone, email and help centre, and the registration number 288241 appears in the Slovak register. A help centre covers common questions before an application, with email and phone for anything longer.

How PROFI CREDIT Slovakia compares

Where PROFI CREDIT Slovakia is available

Available
Slovakia
Licence in Slovakia
Národná banka Slovenska, checked September 26, 2026
Licence in Slovakia
Národná banka Slovenska (RegFAP) (288241), checked September 26, 2026

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

Frequently asked questions

What will the loan cost me?+

The arrangement fee is 6% of the amount borrowed and is due before the money is released, so it comes out of your own pocket first. Interest then depends on the rate you are offered, and published APRs run 21.1% to 65.32%. The representative example shows the monthly payment and the total repaid.

How much can I borrow and over what term?+

Loans run €500 to €5,000 and terms run 6 to 36, so this fits smaller projects rather than a full renovation. The final amount depends on income and the lender's assessment, and a longer term means more interest accruing over the life of the loan.

How quickly is the money paid out?+

Disbursement happens on the day you apply, with a turnaround of a few hours inside business hours, and same day funding is listed among the features. That pace suits an urgent repair or a contractor waiting on materials, rather than a purchase you can plan ahead.

Is the lender regulated?+

Yes. The licence number is 288241 and the regulator is Národná banka Slovenska, the Slovak central bank, which records the licence under that number. The entry can therefore be checked with the regulator before an application is made.

Who is eligible to apply?+

Eligibility is tied to the home market, SK. Applicants need permanent residence there, stable employment income in the country and a bank account held locally. People still in probation or a notice period, or with enforcement or insolvency proceedings underway, fall outside the criteria.

Can I repay the loan early?+

Free early repayment is offered, so clearing the balance before the end of the 6 to 36 term carries no extra charge. The fee due before disbursement then earns its place for anyone whose income allows a faster payoff.

How do I contact the lender?+

Support runs on phone, email and help centre, giving phone, email and help centre cover. One Slovak entity stands behind the brand, PROFI CREDIT Slovakia, s.r.o., so there is a single point of contact from the application through to the final repayment.

Sources

  • regfap.nbs.sk/search.php checked September 26, 2026

    Backs: Licences

  • subjekty.nbs.sk/sk/entity/3439 checked September 26, 2026

    Backs: Headquarters

    “Sídlo: Pribinova 25, 82496 Bratislava, Štát: Slovensko”

  • moneytupozicka.sk checked September 26, 2026

    Backs: Eligibility, Support channels, Use cases

    “bezplatná infolinka 0800 700 100 ... Elektronická komunikácia info@moneytupozicka.sk ... FAQ”

  • moneytupozicka.sk/chcete_ziskat_uver_moneytu/rychlost checked September 26, 2026

    Backs: Features, Funding time

  • moneytupozicka.sk/faq checked September 26, 2026

    Backs: Arrangement fee, Origination fee (%)

    “za poskytnutie úveru účtujeme poplatok vo výške 6 % zo sumy úveru a spláca sa pred jeho vyplatením”

  • moneytupozicka.sk/o-nas/produkty checked September 26, 2026

    Backs: Free early repayment, Lender type, Loan types

  • proficredit.sk checked September 26, 2026

    Backs: Loan amount, APR, Legal entity, Representative example, Term

    “PROFI CREDIT Slovakia, s.r.o. Pribinova 25, 824 96 Bratislava, IČO: 35 792 752 ... Zapísaná v Obchodnom registri Mestského súdu Bratislava III., oddiel Sro, vložka č. 22160/B”

  • proficredit.sk/produkty checked September 26, 2026

    Backs: Founded

    “Spoločnosť PROFI CREDIT Slovakia, s.r.o. bola založená v roku 2000 pod pôvodným názvom PROFIREAL Slovakia.”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

PROFI CREDIT Slovakia

PROFI CREDIT Slovakia

A modest home improvement loan for salaried workers in Slovakia who need the cash the same day.

8.9/10See alternatives

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