Classic loan
With a classic loan, you have clearly defined terms and installments that do not change throughout the duration. At the beginning, you choose the loan amount, the installment amount in advance (down payment), and the repayment period.
The ideal choice for those who want to keep their financing under control and retain the car for the long term.
Representative example
Škoda Octavia
| Price of the car | 500 000 Kč |
| Down payment | 50% |
| Loan amount | 250 000 Kč |
| Repayment period | Lunar |
| Duration of consumer credit | 36 months |
| Loan interest rate | 3,99 % p.a. |
| APR | 4,26 % |
| Monthly payment without insurance | 7 380 Kč |
| Total cost of consumer credit | 265 680 Kč |







































