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TotalMoney.sk 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

TotalMoney.sk is a Slovak comparison site, not a lender, and it suits borrowers who want several offers read side by side rather than a single application. Consumer loans run €50 to €60,000 over terms of 12 to 96, with Money in account within 24 hours once a bank approves.

Key facts

Best for
One place to read Slovak consumer loan and mortgage offers side by side.
APR
0% to 11.9%↗
Loan amount
€50 to €60,000↗
Term
12 to 96 months↗
Arrangement fee
0 - 20 EUR↗
Credit check
Soft prequal↗
Funding time
Money in account within 24 hours↗
Lender type
Broker↗
Eligibility
Slovak market; employees, sole traders (SZCO) and pensioners may apply, income proof or a last 6-month bank statement may be requested↗
Loan types
Personal, Debt-consolidation, Car, Student↗
Use cases
Home-improvement↗
Legal entity
TotalMoney s.r.o.↗
Headquarters
Slovakia↗
Founded
2009↗
Support channels
Email, Phone↗
Pricing model
No monthly fee
Features
Same-day funding
Official website
totalmoney.sk

Personal insurance

Premium from
€75↗
Insurance types
Auto, Home, Life, Health, Travel↗
Provider type
Comparison site↗
Age range
18 to 65 years↗
Audience
Seniors

Mortgages

Initial rate
3.58%↗
Fixed period
3 years↗
Maximum loan to value
70%↗
Product fee
€0↗
Purpose
Purchase↗

Savings

Deposit protection
EU DGS up to EUR 100,000↗
Monthly fee
€0↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
LinkedInXyoutube.comfacebook.com

Pros and cons

Pros

  • Credit checking is a soft prequalification (soft prequal), which is lighter than a full credit check
  • Fast disbursement, with Money in account within 24 hours and same day funding listed as a feature
  • A range of lending types, personal, debt consolidation and car, with home improvement as a stated use
  • Loans, mortgages and insurance in one place, with auto, home and life also arranged

Cons

  • It is a broker and a comparison site (broker, comparison site), so the rate, fees and contract come from the bank you are matched to
  • Mortgage borrowing stops at a maximum loan to value of 70%, below the 90% for most ranked lenders
  • Support runs on email and phone only
TotalMoney.sk

Ready to try TotalMoney.sk?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Slovak residents comparing consumer loans, including employees, sole traders and pensioners
  • Borrowers consolidating debt or funding a car, covered by personal, debt consolidation and car
  • Home buyers, since mortgage offers start at an initial rate of 3.58% with a fixed period of 3

Who should look elsewhere

  • Not for people after one large loan, since Creduma ES sets a minimum of from €12,000, well above the smaller sums here
  • Not for borrowers outside the Slovak market, which is the only one served; Cashspace quotes PHP 12 to PHP 36 in Philippine pesos and Sofkredit publishes 10.74% to 18.06% for its own market

Safety of your money

TotalMoney.sk is a broker rather than a lender, so it passes your application to banks and the contract is signed with them. It appears in the National Bank of Slovakia register under licence 127292. Because the rate, the fees and the approval all come from the bank rather than from the site, weigh the lender terms before you sign.

Who runs it

The company behind the site is TotalMoney s.r.o., based in Slovakia, SK, and trading since 2009. Customers are reached by phone and email through email and phone. The National Bank of Slovakia register lists it under licence 127292, which is where the entity name and licence number can be checked before an application.

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 a consumer loan cost?+

Arrangement fees run 0 - 20 EUR on a consumer loan, and using the site itself carries no monthly charge, with a monthly fee of €0. The interest rate depends on the bank, and consumer loan APRs listed run 0% to 11.9%.

How much can I borrow and for how long?+

Consumer loans are offered from €50 to €60,000, with repayment terms of 12 to 96. A soft prequalification (soft prequal) comes first, and proof of income or a recent bank statement may be asked for once a bank reviews the application.

How quickly does the money arrive?+

The stated payout is Money in account within 24 hours, and same day funding is listed as a feature of the loan range. Offers come from partner banks, so the actual timing depends on how quickly the chosen lender finishes its own checks and transfer.

Will applying affect my credit file?+

The check listed for consumer loans is soft prequal, a lighter step than a full credit check. The bank you are matched with still runs its own assessment before approving anything, so the lending decision rests with that lender.

Who can apply for a loan?+

Eligibility is tied to a single market, Slovakia. Employees, sole traders and pensioners can apply, and income proof or a recent bank statement may be requested by the bank. The listed age band is 18 to 65 years, and offers are made inside the Slovak market.

Is the site regulated and is my money protected?+

TotalMoney.sk is a broker rather than a lender, so the loan contract is with the bank you are matched to. It appears in the National Bank of Slovakia register under licence 127292, and deposit protection is listed as EU DGS up to EUR 100,000.

Do you arrange mortgages as well?+

Yes. Mortgage offers start at an initial rate of 3.58%, with a fixed period of 3 shown on a sample deal and a product fee of €0. Borrowing is capped at a maximum loan to value of 70%, with purchase as the stated purpose.

Can I get insurance through the same site?+

Insurance sits alongside the lending, covering auto, home and life, with premiums starting at €75. The site arranges policies from insurers rather than underwriting them, so claims and renewals are handled with the insurer directly.

Sources

  • totalmoney.sk checked September 26, 2026

    Backs: Insurance types

    “Poistenie: Povinné zmluvné poistenie, Havarijne poistenie, Rizikove zivotne poistenie, Poistenie nehnutelnosti, Cestovne poistenie, Zdravotne poistenie”

  • 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: Deposit protection, Provider type, Founded, Headquarters, Legal entity, Lender type, Pricing model, Monthly fee, Support channels, Licences

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

  • totalmoney.sk/poistenie/pzp checked September 26, 2026

    Backs: Age range, Audience, Premium from

    “Niektore poisovne poskytuju zlavy pre vodicov nad 60 rokov. V pripade, ze ste dochodca, tak mate moznost ziskat najlacnejsie PZP.”

  • 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 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

TotalMoney.sk

TotalMoney.sk

One place to read Slovak consumer loan and mortgage offers side by side.

9.1/10See alternatives