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Proficredit CZ review

Updated October 14, 2026 · SumCue Editorial Team · Facts checked October 14, 2026

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Our verdict

PROFI CREDIT Czech Republic offers personal loans and debt consolidation. Its Czech-language personal-loan page gives a 12 to 48 month term and shows a representative CZK 120,000, 48-month example: 48 payments of CZK 2,885, CZK 138,480 total repayment, a fixed 7.21 percent annual interest rate and 7.45 percent APR. It separately states a maximum APR...

Key facts

Best for
Czech borrowers comparing a personal loan or consolidation and able to evaluate APR and total repayment.
APR
7.45% to 143.18%↗
Loan amount
CZK 10,000 to CZK 250,000↗
Term
12 to 48 months↗
Arrangement fee
0 CZK - instalment contains no fees for additional services↗
Credit check
Hard↗
Funding time
Same day after approval, disbursed several times a day↗
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%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Czech citizenship or permanent residence in the Czech Republic, age 18+, proof of income, Czech bank account, ID document↗
Loan types
Personal, Debt-consolidation↗
Legal entity
PROFI CREDIT Czech, a.s.↗
Headquarters
Czechia↗
Founded
1994↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
proficredit.cz

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • The site publishes a representative loan example with amount, term, installment and total repayment.
  • The product page lists personal-loan terms from 12 to 48 months.
  • The site describes consolidation of up to six loans.

Cons

  • The site states a maximum APR of 143.18 percent, well above its representative example.
  • Deferral is conditional, requires evidence and is limited to three installments over the full contract.
Proficredit CZ

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • Czech borrowers comparing the stated loan or consolidation products.

Who should look elsewhere

  • Borrowers needing an unconditional deferral, guaranteed rate or approval.

Personal lending and consolidation

PROFI CREDIT’s Czech site describes personal loans and debt consolidation. It advertises amounts up to CZK 250,000 and says up to six loans may be consolidated. The personal-loan page lists terms of 12 to 48 months; approval and an individual offer remain subject to assessment. Compare the full cost The page shows a representative example for CZK 120,000 over 48 months, with 48 payments of CZK 2,885, total repayment of CZK 138,480, fixed annual interest of 7.21 percent and APR of 7.45 percent. It also states a maximum APR of 143.18 percent. Compare the figures in your own offer, not the example alone.

A capped deferral with evidence requirements

The provider describes a fee-free deferral of at most three installments over the contract, after qualifying events such as long-term illness, job termination, bereavement expenses, disaster damage or unpaid wages. The event must occur after signing and be documented. A signed request with supporting documents must arrive no later than the day arrears reach 30 days. A repeat request also requires three consecutive installments paid after the prior deferral.

How Proficredit CZ compares

Where Proficredit CZ is available

Available
Czechia

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

Frequently asked questions

What loan term does the site list?+

The personal-loan page lists terms from 12 to 48 months.

Can anyone defer three installments?+

No. The site lists qualifying events and proof requirements, caps the total at three installments over the contract and sets a request deadline.

Which company operates Proficredit CZ?+

Proficredit CZ is operated by PROFI CREDIT Czech, a.s.. (Source, checked September 26, 2026)

Where is Proficredit CZ based?+

Proficredit CZ is based in Czechia. (Source, checked September 26, 2026)

When was Proficredit CZ founded?+

Proficredit CZ was founded in 1994. (Source, checked September 26, 2026)

How can I contact Proficredit CZ support?+

Proficredit CZ offers support through Phone, Email, Help-centre. (Source, checked September 26, 2026)

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 October 14, 2026. We did not open an account.

Proficredit CZ

Proficredit CZ

Czech borrowers comparing a personal loan or consolidation and able to evaluate APR and total repayment.

9.3/10Visit