Proficredit CZ review

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

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Our verdict

Proficredit CZ lends directly in the Czech Republic, which makes it a practical pick for anyone who needs a personal or debt consolidation loan without leaving the domestic market. Costs stay low at one end: rates run 7.45% to 143.18%. The catch sits at the other end, where 7.45% to 143.18% can be steep.

Key facts

Best for
Czech residents wanting a fixed-rate personal or consolidation loan funded the same day, with no arrangement fee.
APR
7.45% to 143.18% (Source, checked September 26, 2026)
Loan amount
CZK 10,000 to CZK 250,000 (Source, checked September 26, 2026)
Term
12 to 48 months (Source, checked September 26, 2026)
Arrangement fee
0 CZK - instalment contains no fees for additional services (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day after approval, disbursed several times a day (Source, checked September 26, 2026)
Representative example
Osobní půjčka: loan of 120,000 CZK over 48 months, monthly instalment 2,885 CZK, total repayable 138,480 CZK, fixed rate 7.21% p.a., RPSN 7.45% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Czech citizenship or permanent residence in the Czech Republic, age 18+, proof of income, Czech bank account, ID document (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Legal entity
PROFI CREDIT Czech, a.s. (Source, checked September 26, 2026)
Headquarters
Czechia (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
proficredit.cz

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • No arrangement fee, since the instalment carries no charges for extra services, on the fixed rate product
  • Same-day disbursement after approval, paid out several times a day
  • Direct lender, so you deal with PROFI CREDIT Czech, a.s. rather than a broker
  • Personal and debt consolidation lending under one fixed-rate product

Cons

  • The top of the rate range is high, at 7.45% to 143.18%
  • Term is capped at 12 to 48, shorter than many comparable loans
  • Credit check is hard, so an application is recorded on the file
Proficredit CZ

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Czech citizens or permanent residents with a Czech bank account and proof of income
  • Borrowers consolidating several balances into one fixed-rate instalment
  • People who need the cash in their account the same day approval comes through

Who should look elsewhere

  • Applicants outside the Czech Republic, since you need local citizenship or permanent residence plus a Czech bank account
  • Borrowers needing a long repayment window, because the term runs only 12 to 48
  • Applicants with thin credit files, given the hard credit check

How your money is protected

Proficredit CZ is a direct lender, direct lender, so PROFI CREDIT Czech, a.s. is the party you agree terms with. The representative example for the personal loan sits at the cheap end of the 7.45% to 143.18% range on a CZK 10,000 to CZK 250,000 facility, and the instalment carries no fees for additional services. No deposit or protection scheme is described for this product.

How Proficredit CZ compares

Where Proficredit CZ is available

Available
Czechia

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

Frequently asked questions

What rate will I pay on a Proficredit CZ personal loan?+

The rate depends on your profile, and the published range is 7.45% to 143.18%. The representative example sits at the cheap end of that range, with a fixed rate for the whole term. Because the rate is fixed, the instalment does not drift.

Does Proficredit CZ charge an arrangement fee?+

No. The fixed rate product comes with 0 CZK - instalment contains no fees for additional services. In practice the instalment carries no charges for additional services, which keeps the total repayable close to the amount borrowed times the rate over the term.

How much can I borrow and over what term?+

Loans run CZK 10,000 to CZK 250,000, with terms of 12 to 48. That is a shorter maximum term than many lenders on the market, so larger balances mean larger monthly instalments. Both personal loans and debt consolidation are available.

How fast do I get the money once I am approved?+

Funding is the same day after approval, and the lender disburses several times a day, as Same day after approval, disbursed several times a day sets out. Same-day funding appears in 82.9% of the lenders tracked here, so it is common rather than rare.

Who can apply for a loan from Proficredit CZ?+

Eligibility is limited to Czech citizens and permanent residents of the Czech Republic, at a minimum age, with proof of income, a Czech bank account and an ID document. Applicants must be adults. The lending entity is PROFI CREDIT Czech, a.s., based in Czechia.

How is my application checked?+

The credit check is hard, as hard records. A hard check is a full credit file search rather than a soft prequalification, and it affects how the application is scored. Hard checks are the most common type on this ranking, at 72.7%.

Is the rate fixed or variable?+

The rate type is fixed, and the model is fixed rate. Your instalment stays the same across the term unless you agree otherwise. Fixed-rate loans are the norm here, accounting for 100% of the products compared.

How can I reach Proficredit CZ?+

Support runs through phone, email and help centre, so you can call, email or use the help centre. Help centre and email are among the most common support routes across lenders here, at 79.8% and 79%.

Sources

  • proficredit.cz checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity

    “budeme vyhledávat údaje o vaší osobě v databázích o bonitě a důvěryhodnosti klientů”

  • proficredit.cz/casto-kladene-dotazy checked September 26, 2026

    Backs: Loan amount

  • proficredit.cz/kontakty checked September 26, 2026

    Backs: Support channels

    “Pro všechny dotazy volejte ZDARMA: 800 166 000 ... Kontaktní email: proficredit@proficredit.cz”

  • proficredit.cz/o-nas checked September 26, 2026

    Backs: Founded, Lender type

  • proficredit.cz/osobni-pujcka checked September 26, 2026

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

    “pevná úroková sazba činí 7,21 % p. a.”

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

Proficredit CZ

Proficredit CZ

Czech residents wanting a fixed-rate personal or consolidation loan funded the same day, with no arrangement fee.

9.2/10Visit

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