TotalMoney.sk review

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

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Our verdict

TotalMoney.sk suits Slovak borrowers who would rather let a broker shop lenders for them, covering personal, car, student and consolidation loans with an APR of 0% to 11.9%. The trade-off is a single market and a soft prequalification check rather than a firm decision.

Key facts

Best for
Slovak borrowers comparing lenders on rate, fees and speed.
APR
0% to 11.9% (Source, checked September 26, 2026)
Loan amount
€50 to €60,000 (Source, checked September 26, 2026)
Term
12 to 96 months (Source, checked September 26, 2026)
Arrangement fee
0 - 20 EUR (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Money in account within 24 hours (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Slovak market; employees, sole traders (SZCO) and pensioners may apply, income proof or a last 6-month bank statement may be requested (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Student (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
TotalMoney s.r.o. (Source, checked September 26, 2026)
Headquarters
Slovakia (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Same-day funding
Official website
totalmoney.sk

Mortgages

Initial rate
3.58% (Source, checked September 26, 2026)
Fixed period
3 years (Source, checked September 26, 2026)
Maximum loan to value
70% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
TotalMoney s.r.o. (Source, checked September 26, 2026)
Headquarters
Slovakia (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInXyoutube.comfacebook.com

Pros and cons

Pros

  • Loan sizes of €50 to €60,000 over terms of 12 to 96, spanning personal, car, student and consolidation borrowing.
  • Fees are light: origination fees of 0 - 20 EUR on loans and a free product fee of €0 on the mortgage.
  • Speed matters here, with Money in account within 24 hours on an approved personal loan.
  • The mortgage side shows an initial rate of 3.58% fixed for 3 and a maximum loan to value of 70%.

Cons

  • It is a broker, so the rate depends on which partner lender prices the application.
  • A single market, with the business based in Slovakia and no cross-border lending.
  • Support runs on email and phone only, with no live chat or help centre.
TotalMoney.sk

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Slovak residents in employment, self-employment or retirement, since employees, sole traders and pensioners can all apply.
  • Readers who want a rate and a fee on screen before applying, with origination fees of 0 - 20 EUR stated up front.
  • People who need money fast, with Money in account within 24 hours once a partner lender approves.

Who should look elsewhere

  • Monzo Flex, listed at 10% to 23%, if you are not borrowing in the Slovak market and want a different rate band.
  • Cashspace, at PHP 12 to PHP 36 in Philippine pesos, if you would rather compare across currencies than shop Slovak lenders.

How your money is protected

TotalMoney.sk is a broker, so an application is passed to a partner lender rather than priced by the company itself, and the rate offered comes from that lender. The brand also lists a Narodna banka Slovenska (National Bank of Slovakia) licence as 127292. Check that record before sending personal documents to anyone.

The company behind it

The company behind the brand is TotalMoney s.r.o., headquartered in Slovakia and founded in 2009. Support runs on email and phone, so questions go by email or phone. It carries a Narodna banka Slovenska (National Bank of Slovakia) licence, recorded as 127292, which is the mark to check before sending documents.

How TotalMoney.sk compares

Where TotalMoney.sk is available

Available
Slovakia
Licence in Slovakia
Narodna banka Slovenska (National Bank of Slovakia) (127292), checked September 26, 2026

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

Frequently asked questions

What does TotalMoney.sk charge for arranging a loan?+

Personal loans carry origination fees of 0 - 20 EUR, and borrowing runs over terms of 12 to 96 on amounts of €50 to €60,000. The APR is listed as 0% to 11.9%, and the mortgage product fee is €0, so the headline rate is not the whole cost.

Is TotalMoney.sk a lender or a broker?+

It works as a broker. Applications are matched to partner lenders, and the rate you end up with is the one that partner prices rather than a single house rate. Approval and the final terms therefore sit with the lender, not with the broker.

How quickly can I get the money?+

The stated funding time is Money in account within 24 hours, and same day funding is listed for the personal loan range. The clock starts once a partner lender approves, so the application still needs income proof or a recent bank statement in the Slovak market.

Who can apply?+

Applications are taken in a single market, with the company based in Slovakia. Employees, sole traders and pensioners may apply, and proof of income or a recent bank statement can be requested. Borrowing runs across personal, debt consolidation and car.

What credit check will I face?+

The offer is listed as soft prequal, a lighter step than the hard checks most loan markets use, and the soft prequalification is how rates are shown before a full assessment. A firm decision still comes from the partner lender.

What does it offer for a mortgage?+

The mortgage side shows an initial rate of 3.58% fixed for 3, aimed at purchase with a maximum loan to value of 70%. Being a broker, that borrowing is placed with a partner bank rather than funded from its own balance sheet.

How do I get help?+

Support runs on email and phone, so email and phone are the contact routes. The company behind the brand is TotalMoney s.r.o., trading from the Slovak market since 2009. As a broker, the contract terms are set by the partner lender at application.

Sources

  • totalmoney.sk/hypoteka/fio-banka checked September 26, 2026

    Backs: Fixed period, Product fee, Purpose

    “Fixácia 3 roky”

  • totalmoney.sk/hypoteky checked September 26, 2026

    Backs: Initial rate, Maximum loan to value

    “Fio hypotéka 3,58 % (3,58 %) 3 roky 0 €”

  • totalmoney.sk/onas checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type, Support channels, Licences

    “(c) 2009 - 2023 TotalMoney s.r.o.”

  • totalmoney.sk/uvery-a-pozicky checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Loan types, Arrangement fee, Term

    “Poplatok za poskytnutie 0 € (Prima banka, UniCredit, Tatra banka, CSOB, mBank) ... 20,00 € (Slovenska sporitelna, VUB)”

  • totalmoney.sk/uvery-a-pozicky/pozicky checked September 26, 2026

    Backs: Eligibility, Features, Funding time, Use cases

    “Podnikatelia, SZCO, zamestnanci ci poberatelia dochodku, vsetci mozu poziadat o rychlu pozicku ... mozu vyzadovat dokladovanie prijmu ... vypis z bankoveho uctu za posledny polrok”

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

Not confirmed yet: Representative example.

TotalMoney.sk

TotalMoney.sk

Slovak borrowers comparing lenders on rate, fees and speed.

9.1/10See alternatives

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