UniCredit HU Standard Személyi Kölcsön UniCredit Hungary
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
Compare Personal Loans in Hungary
Live offers across tracked providers in Hungary — updated daily from the Giraffy database.
Live offers
18 live offers compared from 6 providers, from HUF 0. Updated daily.
OTP Bank Prémium Személyi Kölcsön OTP Bank
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
K&H Bank Standard személyi kölcsön K&H Bank
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
K&H Bank Konszolidációs Személyi Kölcsön K&H Bank
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
OTP Bank Standard személyi kölcsön OTP Bank
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
OTP Bank Konszolidációs Személyi Kölcsön OTP Bank
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
Raiffeisen HU Standard személyi kölcsön Raiffeisen Bank Hungary
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
Raiffeisen HU Prémium személyi kölcsön Raiffeisen Bank Hungary
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
Raiffeisen HU Konszolidációs Személyi Kölcsön Raiffeisen Bank Hungary
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
UniCredit HU Konszolidációs Személyi Kölcsön UniCredit Hungary
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
Raiffeisen Magyarország Diákhitel Raiffeisen Bank Hungary
HUF 0
- Kamatláb (THM): 8,9% – 20% THM
- Kölcsönösszeg: 100 000 – 10 000 000 Ft
- Kölcsön futamideje: 12 – 84 hónap
- Minimális havi jövedelem: 150 000 Ft/hó
CIB Bank Ünnepi Kölcsön CIB Bank
HUF 0
- Kamatláb (THM): 8,9% – 20% THM
- Kölcsönösszeg: 100 000 – 10 000 000 Ft
- Kölcsön futamideje: 12 – 84 hónap
- Minimális havi jövedelem: 150 000 Ft/hó
OTP Bank Adósságrendező Hitel OTP Bank
HUF 0
- Kamatláb (THM): 8,9% – 20% THM
- Kölcsönösszeg: 100 000 – 10 000 000 Ft
- Kölcsön futamideje: 12 – 84 hónap
- Minimális havi jövedelem: 150 000 Ft/hó
Erste Bank Hungary Utazási Kölcsön Erste Bank Hungary
HUF 0
- Kamatláb (THM): 8,9% – 20% THM
- Kölcsönösszeg: 100 000 – 10 000 000 Ft
- Kölcsön futamideje: 12 – 84 hónap
- Minimális havi jövedelem: 150 000 Ft/hó
K&H Bank Zöld Lakáshitel K&H Bank
HUF 0
- Kamatláb (THM): 8,9% – 20% THM
- Kölcsönösszeg: 100 000 – 10 000 000 Ft
- Kölcsön futamideje: 12 – 84 hónap
- Minimális havi jövedelem: 150 000 Ft/hó
K&H Bank Prémium Személyi Kölcsön K&H Bank
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
UniCredit HU Prémium Személyi Kölcsön UniCredit Hungary
HUF 0
- Kamatláb (THM): 15% THM
- Kölcsönösszeg: 100 000–1 500 000 Ft
- Kölcsön futamideje: 12–84 hónap
- Minimális havi jövedelem: Minimum nettó 200 000 Ft
UniCredit Magyarország Egészségbiztosítási Kölcsön UniCredit Hungary
HUF 0
- Kamatláb (THM): 8,9% – 20% THM
- Kölcsönösszeg: 100 000 – 10 000 000 Ft
- Kölcsön futamideje: 12 – 84 hónap
- Minimális havi jövedelem: 150 000 Ft/hó
What is a personal loan in Hungary?
A personal loan (személyi kölcsön) is an unsecured, fixed-term loan you can use for almost any purpose, from home improvements to consolidating debt or covering a large purchase. Because it is unsecured, no property or car is pledged, and approval rests on your income and creditworthiness. Loans are repaid in equal monthly instalments over a set term, usually in forint, and most Hungarian personal loans carry a fixed interest rate for the life of the loan.
How the Hungarian personal-loan market works
Banks are the main lenders, competing on the interest rate, the fixed monthly instalment, and speed of decision, with many offering fully online applications and rapid disbursement. Rates depend on the amount, term and the borrower's profile, and lenders must assess affordability under debt-service-to-income rules that cap how much of your income can go to loan repayments. Promotional pricing may require crediting your salary to the same bank.
Benefits of a personal loan
No collateral — You do not pledge your home or car, unlike a mortgage or car loan.
Fixed instalments — Most loans carry a fixed rate, so the monthly payment stays the same throughout.
Flexible use — Funds can cover renovation, a big purchase, or consolidating more expensive debt.
Fast access — Online applications can lead to same- or next-day disbursement for existing customers.
How to choose a personal loan
Compare the THM (total cost of credit indicator), which folds in fees, rather than the headline rate, and match the term to your budget: a longer term lowers the monthly payment but raises total interest. Check whether the best rate is conditional on salary transfer or insurance, confirm any disbursement fee, and review early-repayment terms. Borrow only what you need and make sure the instalment fits comfortably within your income.
Leading providers in Hungary
UniCredit Hungary, OTP Bank, K&H Bank, Raiffeisen Bank Hungary, CIB Bank and Erste Bank Hungary all offer personal loans, frequently with online applications and quick decisions. Rates and conditions vary by lender and by whether you are an existing customer crediting a salary. Comparing several offers on the THM, not just the nominal rate, is the surest way to find the cheapest total cost for your amount and term.
What a personal loan costs
The cost is the interest over the term plus any fees, summarised in the THM. Because most loans are fixed-rate, the instalment is predictable, but a longer term means more total interest even if each payment is smaller. Watch for disbursement or arrangement fees and conditions such as salary transfer that unlock the best rate. Early repayment is allowed with capped compensation, which can reduce total interest if your circumstances improve.
Protections and regulation
Personal loans fall under Hungarian consumer-credit law and MNB supervision, requiring clear disclosure of the THM and pre-contractual information. Debt-service-to-income limits restrict how much of your income can be committed to repayments, protecting against over-borrowing. Borrowers have a statutory withdrawal right within a cooling-off period and a right to early repayment. Disputes can go to the Financial Arbitration Board for out-of-court resolution.
Common questions
Is the rate fixed? — Most Hungarian personal loans carry a fixed rate, so instalments stay constant. Why compare the THM? — It captures fees as well as interest, giving a true cost comparison. Does salary transfer matter? — The best rate is often conditional on crediting your salary to the lender. Can I repay early? — Yes, with capped early-repayment compensation under consumer-credit rules.
The cheapest Personal Loans in Hungary is HUF 0 from UniCredit Hungary.
Personal Loans in Hungary — FAQ
What is the best personal loan rate in Hungary right now?
Giraffy tracks 5 personal loan products across UniCredit Hungary,OTP Bank,K&H Bank lenders in Hungary. The lowest APR tracked on Giraffy is currently HUF 0. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.
What factors affect my personal loan interest rate?
Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.
How much can I borrow with a personal loan?
Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.
What is the difference between a secured and an unsecured personal loan?
An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.
Can I repay a personal loan early?
Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.
How quickly can I get a personal loan?
Many lenders in Hungary offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.
What is APR and why does it matter when comparing personal loan offers?
APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.