Personal loan

Personal loan is a non-purposeful consumer credit, not tied to the purchase of a specific good or service. This means that you can take the loan for personal purposes and we will disburse the loan to your personal current account after completing the necessary formalities and approving your application. See "Who can get a loan?" for more information.

Anyone who is 18 years of age, a natural person - not a businessman (you can be a businessman on an IČO, but we will lend you the loan itself only for private purposes) and has Czech citizenship or permanent residence in the Czech Republic and his legal capacity was not limited by court. You must, of course, still meet the conditions of our internal credit decisioning, i.e. you must not be subject to enforcement or insolvency proceedings and there must be no other doubts about your creditworthiness that we are obliged to check. For more information, see "What documents are required for creditworthiness assessment?".

As we need to assess your creditworthiness (your ability to repay the loan should there be one), we may ask you to submit a bank account statement for the last 3 months. This can be easily done using secure-integrated form in the application, where you give your consent to the submission of the account statement. Or you can also add it as an attachment in pdf format including all incoming and outgoing payments during application process or you can send it in pdf format to vypisy@inbank.cz. Share your account statements with us exactly as you download them from your internet banking.

Yes, you can change your monthly payment date. Email us at info@inbank.cz or call our client line at 226 288 988. We are here for you every business day from 08:00 to 22:00.

If you have other contact details (for example, email or telephone), you can change them yourself after logging into Inbank internet banking. If you change your permanent address or surname, please write to us at info@inbank.cz with a copy of the identity document proving the change. If your identity document has changed, please send us a copy of your new identity document by email to info@inbank.cz.

You can repay your Personal loan at any time during the term of the loan. Please follow the Terms and Conditions of Inbank Non-Purpose Credit Contract and submit a request to us in writing (or via internet banking) stating the amount to be repaid and the date on which you would like to repay the loan.
We will then issue you a prescription with payment details for early repayment. The prescription is not binding, so if you change your mind about the top-up, nothing will happen.

Yes. You can send an extra payment same as your regular monthly instalment with the same reference number. This will help up to allocate the instalment correctly. Please contact us before you send an extra payment. We will arrange to sign an amendment to your existing contract. You can sign the amendment quickly and conveniently in your Inbank online banking.

If you are unable to log in to your Inbank internet banking, please request a password to be sent to you again. Wait for the link to arrive in your email and set your password again. If you are still unable to do so, please contact our customer service line at 226 288 988 or email us at info@inbank.cz. We will be happy to assist you with activating internet banking.

If you wish to withdraw from your loan agreement with Inbank, you must send us a written withdrawal in which you clearly state your intention to withdraw and specify the agreement you are withdrawing from. If you are unsure, please contact our customer service line at 226 288 988 or send us an e-mail to info@inbank.cz. We will be happy to help.

After signing the credit contract, we will send you the money within 1 business day to the account you used to verify your identity.

If you suspect that your personal or login details have been misused or you have received suspicious emails, SMS or phone calls, please contact us immediately by calling +420 226 288 988 or by emailing info@inbank.cz. Report the fraud to the police. This will protect not only yourself but also others from scammers.

Here you can download the Standard contract template for personal loans.

We understand that life brings unpleasant situations and we are here to find solutions together with you. In order to find a solution, we need to know more about your financial situation as soon as possible. The solution may be to defer payments, change the due date or reduce your monthly payment by extending the term. Please contact us as soon as possible. Please also prepare:

• a summary of your income and expenses,
• and think about how you plan to tackle your financial situation.

We also recommend you to consult your situation with independent experts, for example Člověk v tísni or Charitní síť. Tips on how to deal with a difficult financial situation and how to proceed can also be found on the website https://www.jakprezitdluhy.cz or on the website of the Ministry of Justice https://justice.cz/nezvladam-platit-sve-dluhy.