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Kolektivne-pozicky.sk review

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

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Our verdict

Kolektivne-pozicky.sk lends €50 to €1,000 at an APR of 12% to 24% to Slovak residents with a bank account and provable regular income, at a fixed rate, with money reaching the account as soon as an investor accepts. It suits adults covering a short gap, not anyone needing a larger or longer loan.

Key facts

Best for
Short, same-day top ups in Slovakia funded from regular provable income.
APR
12% to 24%↗
Loan amount
€50 to €1,000↗
Term
0.5 to 3 months↗
Arrangement fee
Administrative fee for auction entry and loan provision per current fee schedule; registration and assessment free↗
Credit check
Hard↗
Funding time
Same day, money on the account immediately after the investor accepts↗
Representative example
Loan 550 EUR at 12% p.a., 3 monthly instalments of 189.00 EUR, total 566.50 EUR↗
Rate type
Fixed↗
Lender type
Marketplace↗
Eligibility
18+, Slovak ID card, permanent residence in Slovakia, Slovak bank account, regular provable income↗
Loan types
Personal, Payday↗
Credit needed
Fair↗
Legal entity
Eurvest s.r.o.↗
Headquarters
Slovakia↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
kolektivne-pozicky.sk

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
Xfacebook.com

Pros and cons

Pros

  • Money arrives the same day an investor accepts, which is the same day funding timing readers want in a short loan.
  • Pricing is steady: the rate is fixed with an APR of 12% to 24%, and the site median for borrowing sits at 14.7%.
  • Help is easy to reach, with phone, email and chat listed for questions around an application.

Cons

  • Applications run a hard credit check (hard), so a full search stays on your file.
  • Borrowing tops out at €50 to €1,000, which covers a short gap rather than a larger expense.
  • Eligibility is narrow: adults need a Slovak ID card, permanent residence in Slovakia, a Slovak bank account and provable regular income, so residents of other countries cannot apply.
Kolektivne-pozicky.sk

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Scored 8.5 / 10 by SumCue.

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Who it suits

  • Slovak residents with an ID card, a Slovak bank account and regular provable income
  • Adults bridging a short gap between paydays who need cash the same day
  • Borrowers with a fair credit position who can handle a hard credit check

Who should look elsewhere

  • Anyone needing a larger balance, since Creduma ES starts at from €12,000 while this platform caps out much lower
  • Borrowers chasing the lowest rate band, as Sofkredit quotes 10.74% to 18.06% APR
  • Residents outside Slovakia, who fall outside the eligibility rules, while Cashspace lists PHP 12 to PHP 36 for those weighing a peso-based option

How Kolektivne-pozicky.sk compares

Where Kolektivne-pozicky.sk is available

Available
Slovakia

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

Frequently asked questions

What will a loan from this platform cost me?+

Registration and assessment are free, but an administrative fee applies for entering the auction and taking the loan, set by the current fee schedule. Pricing is fixed at fixed and the APR runs 12% to 24%, so the cost is set before you bid.

How much can I borrow and over what period?+

You can request €50 to €1,000 and repay across 0.5 to 3. That ceiling is modest next to the personal loan median of €559 across the site, so this fits a gap in the month rather than a major purchase.

How quickly does the money arrive?+

Funding is the same day, with the money on the account immediately after an investor accepts your entry, matching the same day funding feature this platform lists. The wait is for an investor to accept, not for a bank to process a transfer.

What credit check do I face?+

Applications use a hard credit check (hard), and the platform describes the credit position it looks for as fair. A hard check leaves a full search on your file, so it helps to know where you stand before entering an auction.

Who can apply?+

Applicants must be adults with a Slovak ID card, permanent residence in Slovakia, a Slovak bank account and regular provable income. The operation is based in Slovakia, and those eligibility rules point to a Slovak resident borrower rather than an applicant living abroad.

Who is behind the loan?+

Eurvest s.r.o. (Eurvest s.r.o.) runs a marketplace (marketplace) where individual investors fund borrowers and set the rate at auction. The hard credit check (hard) and the platform's own assessment sit between your application and the money.

Are the rates fixed or variable?+

The rate is fixed, so instalments hold steady for the whole term rather than moving with the market. Loans come as personal and payday loans, covering both planned spending and a short bridge to the next payday.

How do I get help with my application?+

Support runs on phone, email and chat, so questions about an auction entry, the administrative fee or instalments can be raised by phone, email or chat, with a help centre for written guidance.

How does the loan size compare with other lenders?+

A loan of €50 to €1,000 is modest next to Creduma ES, where borrowing starts at from €12,000. On price, the 12% to 24% band here sits close to the 10.74% to 18.06% band at Sofkredit, so the deciding factor is eligibility and speed rather than rate.

Sources

  • kolektivne-pozicky.sk checked September 26, 2026

    Backs: Legal entity, Support channels

    “Eurvest s.r.o., registered address Dlha 927/95A, Zilina 010 09, ID 53 260 155”

  • kolektivne-pozicky.sk/ako-to-funguje/pozicky-p2p/pozicky-... checked September 26, 2026

    Backs: Credit check, Lender type

    “when approving loans they use their own scoring system”

  • kolektivne-pozicky.sk/o-nas checked September 26, 2026

    Backs: Credit needed, Headquarters

    “banks are not always ready to decide quickly, especially if a client has an unusual situation, insufficient credit history, or the traditional bank refused them”

  • kolektivne-pozicky.sk/rychla-pozicka checked September 26, 2026

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

    “min. loan 50 EUR ... max. loan 1 000 EUR”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Kolektivne-pozicky.sk

Kolektivne-pozicky.sk

Short, same-day top ups in Slovakia funded from regular provable income.

8.5/10See alternatives