Home Credit CZ

The Home Credit mobile application is your partner in the world of finance and shopping. Whether you have a credit card, bought with us on installments or take out a cash loan, you are just a few clicks away from a whole range of benefits that the application brings to you...

Repaying has never been easier
Knowing when, how much and where to pay is standard. However, the Home Credit mobile app goes further. It understands the applications of the largest Czech banks, so you can send the installment with an accelerated online payment in a few clicks.

Finance firmly in hand
Good accounts make good friends. You can immediately check all purchases, credited bonuses or account movements directly in the application. You are so sure that nothing will surprise you.

Extra money when needed
Did your car break down or did you get a discount that you can't refuse? If you need money quickly, just a few clicks in the application and the money goes to your account. It won't take a minute.

A card that doesn't take up space in your wallet
Clients with a Smart account can issue a virtual payment card in the application. It can do contactless everything you are used to with a card, and at the same time it is hidden in your mobile phone. Immediately ready for shopping.

Rewards every step of the way
Save up to 20% on everyday purchases! In the Home Credit application you will find more than 900 partners with special promotions and discounts. Just buy via the web link or simply pay by card at selected partners.

No more security worries
With the Home Credit application, fraudsters will not find you. You confirm every online purchase with your PIN, fingerprint or Face ID. You can also set and modify the security limits on the card at any time or block the card with one click.

An example of a loan that can be offered in a mobile application
With a loan amount of CZK 80,000 and your chosen monthly payment of CZK 2,200, you will pay CZK 110,563 in a maximum of 51 monthly installments. The above applies to the drawdown date as of today.


Illustrative calculation according to law for a revolving loan: Loan amount CZK 80,000, annual interest rate 15.9%, APR 17.1%, you will pay a total of CZK 86,890. Individual consecutive monthly installments: CZK 7,727, CZK 7,638, CZK 7,550, CZK 7,462, CZK 7,373, CZK 7,285, CZK 7,197, CZK 7,108, CZK 7,020, CZK 6,932, CZK 6,843 and CZK 6,755. The installments and the amount you pay in total are mathematically rounded. The stated values ​​apply on the assumption that the entire amount of the loan is drawn immediately, without cash, in full, at the above-mentioned interest rate and without a fee, when a revolving loan is granted for a period of one year and repaid in 12 monthly installments with the same principal amount. The offer does not take into account further borrowing or the use of additional services.


The offer does not create a claim to the provision of a loan. We assess each loan application individually, it may differ from the one presented, and the maximum APR will not exceed 31.8%. Minimum APR 0%


A flexible loan is a revolving loan. This means that the loan agreement is concluded for an indefinite period of time and the client can draw the loan repeatedly up to the amount of the unused credit limit. If the client repays the amount owed, he can use the credit line again in its entirety.