FAQ

I would like to get information on the Comfortable Loan?

Comfortable loan is an exclusive product of MYERSON s.r.o.
In order to easily obtain this loan, you do not have to submit a bank account statement or any documents on paying utility bills, etc.; all we need you to submit to us are 2 identity documents and a statutory declaration on your income. You do not have to search for a guarantor with all the complications involved; you can get a loan from us without a guarantor.
The advantages include the possibility to postpone installments and to repay the loan early AT NO COST.

What can I use the loan for?

The loan is of the non-specific purpose type so you can, of course, use the money from the loan for anything.

What are the conditions for obtaining the loan?

The conditions for obtaining a Comfortable Loan are easy to meet. You must have a monthly income of at least CZK 5,000; you must be older than 18 years and you must have a permanent residence in the Czech Republic.

What documents will I need to have the application for a Comfortable Loan processed?

All we need are copies of two identity documents and a statutory declaration on taxable incomes. In exceptional cases, we also request a document on verification of the information concerning your financial obligations.

How to apply for a loan over the telephone?

It is very simple; all you need to do is to call our Call Centre at +420 530 504 542, +420 530 504 543.
Our operator will fill in a simple application with you and we will notify you about the decision by an SMS within 60 minutes.

How to apply for a loan via the Internet?

If you wish to file an on-line application via the Internet, it is very simple; all you need to do is to click on the “on-line application” link in the “Loans” section.

How can I arrange a loan? And can I also arrange a loan by mail?

You can, of course, apply for our loan from the comfort of your home, either over the telephone by calling our Call Centre or on-line. However, you must then sign the loan contract with our employee in one of our contact centers. You can find the list of contact centers here.

I am already paying installments on some loans from other companies; can I get another loan from you?

Yes, if you are paying installments on loans or credits from other companies, we do not mind. In spite of that, you can get a loan from us. But we recommend that you calculate your income and expenditures so that another obligation does not jeopardize your family budget. If you do not have any free funds to pay installments on another loan, try preferably to increase your income and not to assume more obligations. Subsequent failure to pay installments on loans or credits is penalized by all companies providing loans.

How long will it take before I get the loan?

The loan will be disbursed to you after you sign the loan contract; the money will be transferred to your account and you will receive it in 3 business days. If the loan amount is lower, the loan will be paid to you immediately in cash.

I have applied for CZK 150,000. Can you decrease the loan amount to be provided?

Like any company providing loans and credits, we are authorized to decrease the amount to be provided at our discretion.

I am unemployed; can I get a loan from you?

Yes, we provide loans to the unemployed and women on maternity leave. You can receive more information from our Call Centre: +420 530 504 542, +420 530 504 543.

I have a record in the registry of debtors; do I have a chance of getting a loan from you?

Yes. We understand that every person sometimes finds himself or herself in a situation, in which he or she cannot pay his or her obligation to a lender, whom he or she pays installments on a loan. We also grant loans to clients who have a record in the registry of debtors. We treat each client individually at all times and we try to oblige him or her as much as possible. On the other hand, like any other non-banking organizations or banks, we do not grant loans to clients, who intentionally mislead our company, for example, by stating untrue information.

Do you lend money or are you mere mediators?

At present, there are many companies in the market, which offer easy-to-get loans to all segments of the population.
However, some of them are mediators of various banks or building savings bank. Therefore the general public are somewhat distrustful to new companies offering loans from their own resources. Our company provides money from its own resources; among other things, it also has a duly issued trade certificate for services in the field of administrative management and for services of organizational-cum-commercial nature, which also includes provision of loans and credits by non-banking organizations

Do people pay any fee to you? And for what? And will I then get a loan?

A party interested in a loan must pay a one-time lump-sum, that is, a fee ranging from CZK 500 to 5,000 CZK, for the automated processing of his or her personal data and for being inputted in a database. This fee is paid when the contract is signed by the contracting parties. This fee is used to cover the costs that will arise in connection with this contract. Unlike some mediation companies, our company provides loans after the fee is paid. Clients, who are already paying installments on a loan from us, also had to pay a fee; these are the terms and conditions of our company. Clients of other companies providing loans or credits as well as clients of banks must pay a fee

If I decide to withdraw from the contract, will you refund the fee to me?

Yes, based on your written withdrawal from the contract, our company is required to refund the fee in full amount to you.
This fact is explicitly stated in the draft loan contract and it is legally binding on us.

What is the interest rate and the repayment period of the loan?

The interest rate varies and depends on the repayment period. Generally, it applies that the longer you repay the loan, the higher the interest rate is. This is how it works in other non-banking organizations as well as banks. Non-banking companies providing loans and credits generate their profit from interest. Our total interest rate starts from as low as 35% per year and it depends on the loan amount provided and the repayment period. With our company, you do not pay any hidden fees, such as fees for account statements, for administration, etc. We lend you money and you only pay installments on the principal and the interest and nothing more.

How are installments paid on the loan?

Installments on the loan are always paid once a month by the 20th day of the month; the payment is made by transfer from your account or by deposit to our account.
We do not require you to set up a collection order or to arrange for deductions from your salary. Regrettably, making a payment by a postal money order is not possible

Is the installment the same throughout the repayment period?

Yes. The installment amount does not change throughout the loan repayment period.
You always pay exactly the installment, which is stated in the loan contract and in the installment schedule.

Can I take another loan even if I am already paying installments on a loan from your company?

Yes. If you pay the installments regularly and in time according to the installment schedule (always by the 20th day of the month), then after duly paying three installments you will have an opportunity to obtain another concurrent loan on absolutely preferential interest terms.

Do you offer, together with an installment, insurance for the event of long-term incapacity to work?

Regrettably, we do not provide any insurance in combination with the loan. In the event of a long-term illness, we recommend applying for postponement of an installment with our company.

I am repaying a loan from you; I have problems with paying the installments at present; can I apply for postponement of an installment?

Yes. If you do not currently have enough money to pay the installment, you can apply for postponement of the installment in writing.
Our company is, after reaching an agreement with you, willing to postpone the installment without charging any penalty. We recommend applying for postponement in time, still before the due date of the installment

I would like to repay a loan early, is it possible? And on what terms?

Yes, it is possible. If you want to repay a loan early at anytime during the repayment period, all you need to do is to give written notice about this to our company. We will then send you a statement showing the total outstanding amount and you will pay this amount in a single payment by transferring or depositing the money to our account.
Unlike most companies providing loans, our company does not charge a single extra Czech Crown for early repayment of a loan

What happens if I fail to state a payment identification code or if I state an incorrect payment identification code when paying an installment?

If you fail to state a payment identification code (your loan contract number) or if you state an incorrect payment identification code, contact our company without any delay and send us a copy of the document on the payment of the installment to us as soon as possible. Otherwise a fee (see the Tariff of Fees) can be charged to you and your payment will not be recorded by us in our accounting books.

What happens if am not repaying the loan?

If you do not have the money to pay an installment, we recommend applying with our company for postponement of an installment. Otherwise, if you fail to pay an installment and to respond to reminders, we can normally charge you penalties for the unpaid installments like all companies providing loans.