Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

PROFI CREDIT Slovakia review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

PROFI CREDIT Slovakia lends directly, in Slovakia, to borrowers with steady income and a Slovak bank account, at a cost that shifts with your profile. The upper end is an APR of 21.1% to 65.32%, with an arrangement fee of 6% due before the money arrives.

Key facts

Best for
Slovak residents with stable income who need a small personal loan quickly.
APR
21.1% to 65.32%↗
Loan amount
€500 to €5,000↗
Term
6 to 36 months↗
Arrangement fee
6% of the loan amount (180 EUR on a 3 000 EUR loan), due before disbursement↗
Funding time
Same day as the application, usually within 3 hours on business days 8:00-16:30↗
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↗
Lender type
Direct lender↗
Free early repayment
Yes↗
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↗
Origination fee (%)
6%↗
Loan types
Personal↗
Use cases
Home-improvement↗
Legal entity
PROFI CREDIT Slovakia, s.r.o.↗
Headquarters
Slovakia↗
Founded
2000↗
Support channels
Phone, Email, Help-centre↗
Features
Same-day funding
Official website
proficredit.sk

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Free early repayment, so you can settle the loan ahead of schedule without a charge.
  • Terms run 6 to 36, which lets you spread a home improvement over months instead of a single larger payment.
  • Support runs through phone, email and help centre, so phone, email and a help centre are all available.

Cons

  • The arrangement fee of 6% of the loan amount is due before disbursement, so the cost starts early.
  • APR of 21.1% to 65.32% sits well above the personal loan comparison median of 15.5%.
  • Borrowing is capped at €500 to €5,000, so it does not stretch to larger projects.
PROFI CREDIT Slovakia

Ready to try PROFI CREDIT Slovakia?

Scored 9.1 / 10 by SumCue.

See alternatives

Who it suits

  • Slovak residents with a stable employment income and their own account at a Slovak bank
  • Adults who can cover a 6% arrangement fee from their own money
  • Borrowers planning a home improvement loan they can clear in the short term

Who should look elsewhere

  • Anyone without permanent residence in Slovakia, who sits outside the eligibility rules
  • Applicants on probation or notice, or with enforcement or insolvency proceedings open
  • People needing more than €500 to €5,000 to cover a project

Safety of your money

PROFI CREDIT Slovakia is a direct lender offering personal loans, and it appears on the Národná banka Slovenska register under licence 288241. The representative example pairs a fee due before disbursement with monthly instalments, so the total repaid sits above the amount borrowed. Personal loans are the only product offered, with no wider range behind them.

Who runs it

The lender behind the loan is PROFI CREDIT Slovakia, s.r.o., based in Slovakia and trading since 2000. It is supervised by Národná banka Slovenska, which lists it in its RegFAP register as 288241. If you need help with an application or a running loan, support runs on phone, email and help centre.

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 does PROFI CREDIT Slovakia charge to arrange a loan?+

An arrangement fee of 6% of the loan amount is due before the money is disbursed, so the cost starts as soon as you sign. In the representative example the fee sits alongside monthly instalments, and the total repaid comes to more than the amount borrowed.

How much can I borrow and for how long?+

You can borrow €500 to €5,000, with terms last 6 to 36. That suits a planned expense such as a home improvement, repaid in monthly instalments over months rather than in a single large payment. Anything larger would need a different lender.

What APR should I expect?+

The stated range is 21.1% to 65.32%, which spans a wide spread, so the rate you are offered depends on your profile. For context, the median APR across the personal loan comparison on the site is 15.5%.

Is the lender regulated?+

It is listed in the RegFAP register of Národná banka Slovensa as 288241, and the Slovak regulator also appears against its licensing entry. The lending entity named for the loan is PROFI CREDIT Slovakia, s.r.o., so the same company can be checked before you apply.

Who can apply?+

Applicants need a minimum age, permanent residence in Slovakia, stable employment income earned in Slovakia, and their own bank account at a Slovak bank. You also need to be clear of probation or notice periods, with no enforcement or insolvency proceedings against you.

Can I repay early without a charge?+

Free early repayment is offered, so settling the loan before the agreed end carries no fee. That makes it worth clearing part or all of the balance early when the monthly instalment stretches your budget.

How do I get help with the loan?+

Support is available on phone, email and help centre, which covers phone, email and a help centre. That means questions about eligibility, fees or repayments can be raised before you apply and while the loan is running, without a branch visit.

Sources

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

    Backs: Headquarters, Licences

    “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.

Related by the facts

PROFI CREDIT Slovakia

PROFI CREDIT Slovakia

Slovak residents with stable income who need a small personal loan quickly.

9.1/10See alternatives