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Zlty Melon review

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

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Our verdict

Zlty Melon is a Slovak lending marketplace for adults with provable income who want a fixed-rate personal, debt consolidation or secured loan from €500 to €15,000. Costs decide the outcome: a rating-based one-off fee of 3.2% to 6.6% sits on top of a monthly percentage charge.

Key facts

Best for
Fixed-rate personal and debt consolidation loans in Slovakia and the Czech Republic.
APR
11.01%↗
Loan amount
€500 to €15,000↗
Term
3 to 84 months↗
Arrangement fee
Unsecured loan: 3.20% to 6.60% of the loan one-off depending on rating class (AA 3.20% to HR 6.60%) plus 0.12% to 0.70% monthly, plus a transaction fee of 0.4% capped at 40 EUR; minimum one-off fee 30 EUR↗
Funding time
Application decided within max 2 working days, funding of the loan usually takes 3-4 days (max 14), loan sent to your bank account immediately after signed documents arrive↗
Representative example
Loan of 2 000 EUR at 7.9% p.a., 60 monthly instalments of 40.46 EUR, 58 EUR disbursement fee and 1.6 EUR monthly service fee, total APR 11.01%↗
Rate type
Fixed↗
Lender type
Marketplace↗
Free early repayment
No↗
Eligibility
Over 18 years old, legally capable, permanent residence in Slovakia or the Czech Republic, stable and provable income; no active enforcement, bankruptcy, unpaid loans, unemployment or income that cannot be evidenced by a bank statement↗
Origination fee (%)
3.2% to 6.6%↗
Loan types
Personal, Debt-consolidation, Secured↗
Legal entity
iService, a.s.↗
Headquarters
Slovakia↗
Founded
2012↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
zltymelon.sk

Mortgages

Initial rate
6.9%↗
APRC
11.01%↗
Fixed period
7 years↗
Maximum loan to value
60%↗
Product fee
€58↗
Purpose
Purchase, Remortgage, Home-equity↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • same day funding lists same-day funding, so money can reach your account as soon as the signed documents arrive
  • personal, debt consolidation and secured covers personal, debt consolidation and secured borrowing in one place
  • The rate type is fixed, with a fixed period of 7 offered on secured lending
  • Support runs on email, phone and help centre, covering email, phone and a help centre

Cons

  • Free early repayment is no, so clearing the balance ahead of schedule carries a charge from the lender
  • The unsecured loan adds a monthly percentage charge on top of the one-off fee of 3.2% to 6.6%, which moves with your rating class
  • Decisions come within a short working window and funding usually needs a few days, longer in some cases
Zlty Melon

Ready to try Zlty Melon?

Scored 8.6 / 10 by SumCue.

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Who it suits

  • Adults living in Slovakia or the Czech Republic who hold permanent residence in one of them
  • Borrowers with stable, provable income that a bank statement can evidence
  • Anyone consolidating several existing debts into a single fixed-rate monthly repayment

Who should look elsewhere

  • Borrowers who want to repay early without paying a charge
  • Applicants whose income cannot be evidenced from a bank statement
  • Anyone with active enforcement, bankruptcy or unpaid loans on file

How Zlty Melon compares

Where Zlty Melon is available

Available
Czechia, Slovakia

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

Frequently asked questions

What does a Zlty Melon loan cost?+

An unsecured loan carries a one-off fee of 3.2% to 6.6% of the loan, set by your rating class from the strongest band to the weakest, plus a monthly percentage charge. A transaction fee is also applied, together with a minimum one-off fee.

What does the representative example show?+

The published example repays a modest personal loan in equal monthly instalments, with a one-off disbursement fee and a small monthly service fee, for a total APR of 11.01%. The same figure is listed as the APRC on secured borrowing.

How long does a loan take to reach the account?+

Same-day funding sits in the feature list same day funding, so the loan is sent to your bank account as soon as the signed documents arrive. Decisions come within a short working window at most, and funding usually needs a few days, with some cases taking longer.

How much can I borrow and for how long?+

Loan amounts run €500 to €15,000 and terms run 3 to 84. For secured borrowing on property, the initial rate is 6.9% for a fixed period of 7, with a maximum loan to value of 60%.

Who is behind Zlty Melon and who can apply?+

Zlty Melon works as a lending marketplace marketplace run by iService, a.s., based in Slovakia. Applicants must be adults, legally capable, hold permanent residence in Slovakia or the Czech Republic, and show stable, provable income.

Can I repay a Zlty Melon loan early?+

Free early repayment is no, so clearing the balance ahead of schedule carries a charge. Borrowers who plan to settle early pay for that flexibility, and a lender offering free early repayment fits their plans better.

What kinds of loan are offered?+

The range covers personal, debt consolidation and secured, so personal, debt consolidation and secured borrowing are all available from one application. Listed purposes include purchase, remortgage and home equity, and the rate type is fixed.

How do I get in touch with support?+

Support runs on email, phone and help centre, so email, phone and a help centre are the listed ways to reach the team. Live chat is not among them, which matters for anyone who prefers instant messaging.

Sources

  • zltymelon.sk/pozicky checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value, Purpose

    “Maturity up to 7 years (real-estate loans with annuity up to 30 years); unsecured loan term 3 - 84 months, fixed rate during the whole term”

  • zltymelon.sk checked September 26, 2026

    Backs: APR, APRC, Founded, Product fee, Representative example

    “Representative example of APR (RPMN): for a loan of 2 000 EUR, interest rate 7.9% p.a., 60 monthly instalments of 40.46 EUR, loan disbursement fee of 58 EUR and monthly service fee of 1.6 EUR, the...”

  • zltymelon.sk/ako-zaraba-zlty-melon checked September 26, 2026

    Backs: Arrangement fee, Origination fee (%)

    “Loan disbursement - Standard (calculated on the loan amount; one-off + monthly during the loan term): AA 3.20% + 0.12% ... HR 6.60% + 0.70% + transaction fee (minimum one-off fee amount is 30.00 EUR)”

  • zltymelon.sk/faq-pozicky checked September 26, 2026

    Backs: Free early repayment, Funding time, Lender type, Rate type

    “For early repayment we charge a fee according to the valid fee schedule”

  • zltymelon.sk/kontakt checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Registered seat: Laurinska 3, 811 01 Bratislava”

  • zltymelon.sk/pozicky checked September 26, 2026

    Backs: Loan amount, Features, Loan types, Pricing model, Term

    “Unsecured loan: maximum loan amount 15 000 EUR, minimum loan amount 500 EUR”

  • zltymelon.sk/zmluvne-podmienky checked September 26, 2026

    Backs: Eligibility

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

Not confirmed yet: Credit check.

Zlty Melon

Zlty Melon

Fixed-rate personal and debt consolidation loans in Slovakia and the Czech Republic.

8.6/10See alternatives