Consumer Loan
- Completely online application, signing a loan agreement and disbursement of funds within minutes
Interest rate conditions
Interest rate of 6%
Advantages
No fee when applying online
Loan amount
Up to 50 000 EUR
Term
up to 10 years
With Consumer Loan from Fibank you have the opportunity to benefit from:
- Completely online application, signing a loan agreement and disbursement of funds within minutes;
- High loan amount - up to 50 000 EUR*;
- Repayment term - up to 10 years;
- Only against an ID card**;
- No guarantor is required;
- No fee when applying online***;
- Protection in case of unforeseen life events with "Peace with FiHealth" insurance;
- Bonus: If you are approved for a consumer loan, you can also benefit from:
- a pre-approved credit card;
- a pre-approved overdraft on a debit card of up to 3 monthly salaries at 0% annual interest for the first year***
* Depending on your individual credit rating, other documents may be required.
** Standard application fee for applications submitted at Bank’s office – 12.78 EUR
***The right to use the pre-approved “Overdraft at 0% Annual Interest for the First Year” may be exercised only once.
Fibank Consumer Loan is a convenient way to get the funds you need for:
- Purchase of home furnishings, household appliances and household equipment;
- Home or car repairs;
- Payment for education;
- Excursion and vacation;
- Medical treatment;
- Current household obligations;
- Family events;
- Or simply because you need money for unforeseen payments.
Loan Parameters
| Maximum amount | Up to 50 000 EUR |
|---|---|
| Term | Up to 10 years |
| Purpose | For current needs and/or consolidation of obligations |
| Interest conditions | From 6 % variable annual interest rate formed on the basis of SBIR + surcharge, with accumulated additional discounts * |
| Collateral | No guarantor is required |
| Repayment | In equal monthly repayment installments |
| Application fee |
|
| Early repayment fee | Not due |
| APR (annual percentage rate of costs) | APR: 7,54%, calculated on a loan amount of EUR 15,000, a repayment period of 84 months, at a variable interest rate of 6 % for the repayment period and including an annual credit card fee of EUR 23.01, a package program with a monthly fee of EUR 3.50 and an annual insurance premium for "Peace with FiHealth" insurance in the amount of 0.505%. The monthly installment with the specified parameters and a fully utilized loan is EUR 219,13. The total amount due is EUR 19 182,88. |
*Variable annual interest rate, formed on the basis of SBIR + surcharge, including discounts for transferring declared income - 1.90%, when using a credit card, active electronic banking and at least one registered utility payment in electronic banking - 0.50%, "Peace with FiHealth" insurance - 0.20% and banking package with electronic banking - 0.10%.
SBIR - "Savings-based interest rate" is a reference interest rate calculated for each individual type of currency according to the methodology announced by the Bank, used as the basis for calculating the variable interest rate on the loan applicable to the Agreement. The interest surcharge is calculated according to the individual credit rating of each borrower. In individual cases, the specific financing conditions determined by the bank may differ from the values indicated above.
To apply for a Consumer Loan, you must:
- be a legally capable individual between the ages of 18 and 70 at the time of loan disbursement;
- have a proven and regular income.
- For amounts over 40 000 EUR, a minimum of 1 300 EUR net monthly income is required.
Required documents:
- Loan application;
- Copy of ID card;
- Other documents at Bank’s discretion.