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Zaplo 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

Zaplo suits Czech borrowers who need a small personal or payday loan repaid fast and can clear a hard credit check. It charges no arrangement fee, but the cost of the money is the whole bill at an APR of 1,141%, and its representative example shows a steep charge on a first short loan.

Key facts

Best for
A small personal or payday loan in the Czech Republic, repaid quickly, with no arrangement fee.
APR
1,141%↗
Loan amount
CZK 1,000 to CZK 30,000↗
Term
1 month↗
Arrangement fee
0 CZK↗
Credit check
Hard↗
Funding time
Within 15 minutes of approval↗
Representative example
10 000 CZK first loan repaid within 30 days, RPSN 1141%, total repayable 12 300 CZK, total cost 2 300 CZK↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Permanent residence in the Czech Republic, minimum age 18, no debts, verifiable income and ability to repay↗
Origination fee (%)
0%↗
Loan types
Personal, Payday↗
Credit needed
Fair↗
Legal entity
Zaplo Finance s.r.o.↗
Headquarters
Czechia↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
zaplo.cz

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • No arrangement fee: 0 CZK and a 0% charge
  • Money reaches you Within 15 minutes of approval
  • Free early repayment, so the balance can be cleared sooner
  • Support runs on email, phone and help centre

Cons

  • The APR is 1,141%, so the whole bill is interest rather than a fee
  • The term is 1, which leaves little room to smooth a repayment
  • The credit check is hard and the credit needed is fair, so a patchy file is unlikely to pass
Zaplo

Ready to try Zaplo?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults living permanently in the Czech Republic who can show where their income comes from and can service the loan
  • Borrowers whose credit stands at fair and clears a hard check
  • People who want cash the same day and can settle the loan within a single billing cycle

Who should look elsewhere

  • Anyone wanting a longer schedule, since the term is 1; Sofkredit charges 10.74% to 18.06% instead
  • Borrowers chasing a bigger minimum, since Creduma ES lends from from €12,000 against the CZK 1,000 to CZK 30,000 floor at Zaplo
  • Anyone comparing another market, since Cashspace quotes PHP 12 to PHP 36 in a different currency

How it compares on our data

On our borrowing data Zaplo ranks position 602 of 665 brands on loan amount, position 331 of 338 on APR and position 204 of 226 on term. Those are the axes readers weigh: how much can be borrowed, what the money costs and how long there is to repay. Zaplo offers CZK 1,000 to CZK 30,000 over a term of 1 at 1,141%.

The company behind it

Zaplo is run by Zaplo Finance s.r.o., a direct lender headquartered in the Czech Republic, so CZ is where it sits and where borrowers must live permanently. As a lender rather than a broker or marketplace, the terms come from one provider instead of a panel. Support runs on email, phone and help centre, giving borrowers email, phone and a help centre.

How Zaplo compares

Where Zaplo is available

Available
Czechia

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

Frequently asked questions

What does Zaplo charge to arrange a loan?+

There is no arrangement fee: the fee is 0 CZK and the percentage charge is 0%. What you pay beyond returning the borrowed money is the interest itself, and early repayment is free, so settling sooner costs nothing extra.

What rate do I pay on a Zaplo loan?+

The APR is 1,141% and the rate type is fixed, so the cost of the money does not drift while you repay. A representative first loan repaid inside a month shows the charge taking a sizeable share of the amount borrowed, which is the trade-off to weigh against the speed.

How long is the repayment term?+

The term is 1, so this is a short loan rather than a long personal loan. Funding arrives Within 15 minutes of approval, which fits a single billing cycle. Anyone wanting to stretch a cost over several months should look elsewhere, because there is no longer schedule on this product.

How much can I borrow from Zaplo?+

Loan amounts run CZK 1,000 to CZK 30,000 in Czech koruna across the personal and payday products personal and payday lists. That range suits a short, specific bill rather than a large purchase, and the size you receive depends on the product and the repayment you can show.

Who can apply for a Zaplo loan?+

Applicants must be adults living permanently in the Czech Republic, with a minimum age, no debts, income they can prove and the means to repay. The credit check is hard and the credit needed is fair, so a patchy file is unlikely to pass the assessment.

Is my money safe with Zaplo?+

Zaplo is a direct lender, Zaplo Finance s.r.o. of CZ, so the contract runs straight to the company that issues the loan rather than through a broker, and the application carries a hard credit check. Nothing about the product is described as protected savings, so treat it purely as money you owe and repay.

How do I get help from Zaplo?+

Support runs on email, phone and help centre, so you can call, send email or work through the help centre. Given the short term of 1, it is worth speaking to them early if your income changes, since settling the balance sooner is free.

Sources

  • zaplo.cz/faq/o-zadasti checked September 26, 2026

    Backs: Credit needed

    “Mít negativní platební historii nemusí automaticky vést k zamítnutí žádosti.”

  • zaplo.cz/faq/o-zadosti checked September 26, 2026

    Backs: Credit check, Eligibility

  • zaplo.cz/kontakty/o-nas checked September 26, 2026

    Backs: Funding time

  • zaplo.cz/obchodni-podminky/seznam-poplatku checked September 26, 2026

    Backs: Free early repayment, Arrangement fee, Origination fee (%)

    “Splatíte-li předčasně své závazky ze smlouvy - nebudeme Vám účtovat žádné další poplatky, ani náhradu nákladů.”

  • zaplo.cz checked September 26, 2026

    Backs: Loan amount, APR, Features, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type, Representative example, Support channels, Term

    “Minimální výše půjčky - 1 000 Kč / Maximální výše půjčky - 30 000 Kč”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Zaplo

Zaplo

A small personal or payday loan in the Czech Republic, repaid quickly, with no arrangement fee.

9.0/10See alternatives