We provide non-bank online sms loans and fast payday loans. You can have up to CZK 30,000 in 10 minutes, from the comfort of your home and without unnecessary paperwork. We are licensed by the Czech National Bank.

Our 1st Credit Company has been specializing for 15 years in providing and brokering non-bank mortgages (loans secured by real estate) as well as sale-and-leaseback arrangements, financing for purchases, renovations, and construction (development projects), loan consolidation, mortgage refinancing, and affordable real estate debt relief.

We offer non-bank loans to individuals, entrepreneurs and sole traders up to CZK 250,000. Personal and business loans can be arranged from the comfort of your home or at our branches. You can arrange a Razdva loan from your mobile phone within 12 minutes of approval. We do not need to know the reason for the loan and we also offer the possibility of merging loans.

We offer non-bank loans. Loan processing is free with us. Everything is easily done online on our website within 5 minutes. We respect your privacy, so we don't ask what you need the money for, we don't even mind a record in the registry. You don't even pay anything for early repayment of the loan.

Non-bank financing for entrepreneurs. Development and project financing. Development construction. Consolidation and debt repayment of persons and real estate. Purchase of real estate immediately. Real estate brokerage for the sale of real estate.

Non-bank loans for businesses, joint stock companies and entrepreneurs. Unlike banks, we assess each loan application very carefully. We can also deal with optimised tax returns or any bank and non-bank registry entries. Loans are granted up to 50% of the value of the object of guarantee.