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Fine Bank Bank is an international loan provider based in Helsinki, Finland. The company in the Czech Republic provides short-term interest-free loans for anything with minimum client requirements. Since its foundation in 2005, the company has expanded to almost the entire world.

Fine Bank Bank offers loans to ordinary clients as well as business loans up to USD 1,300,000. Currently, it does not offer the possibility of the overdraft, current account, savings account or American and classic mortgages.

Fine Bank loans

Good Credit loans

Fine Bank offers 3 types of loans for individuals. Fine Bank Credit, Micro, and Plus. For these loans, the client pays a daily interest rate and a 12.5% fee. The APRC on these loans ranges from 262.91%.

Fine Bank Credit

Fine Bank Credit ( Credit Limit ) is a flexible loan. It operates on a similar principle to an overdraft or revolving loan. Once approved, the client can receive USD 2,500 to USD 80,000 per account.

The client chooses when and in how many installments the money will be returned. He can repay the entire amount in one lump sum, or use the option of any monthly installments free of charge. The borrower pays only the daily interest and the fee for drawing the amount of 12.5%. The APRC on these loans ranges from 262.91%.

Fine Bank Credit is payable up to 30 days or more. Thereafter, a monthly installment of at least 12.5% of the outstanding amount shall be paid.

The Client may at any time pay the total amount due. Another option is to send a higher installment free of charge and increase the amount available for repayment and reduce the total amount due.

Fine Bank Micro

Fine Bank Micro is a short-term loan from 500 USD to 20 000 USD. D both maturity of the loan is 7 to 45 days. The loan is possible in one installment. Fine Bank offers clients the possibility to extend up to 60 days.

Fine Bank Bank also offers Micro’s first free loan of up to USD 9,000 for 30 days with a 0% charge. Applicants must be between 20 and 85 years old.

Fine Bank Microloan can be processed online, without pledge and guarantor. Fine Bank will send the money to your account almost immediately after the application is approved.

Fine Bank Plus

Fine Bank presents the Plus service as a consumer loan up to USD 25,000. Fine Bank Plus is designed for clients who apply for a Fine Bank loan more often. The maturity period is from 2 months to 1 year. Loan Plus has fixed monthly installments.

If a client applies for a loan of up to USD 15,000, they do not have to prove their income. It is, therefore, a loan without proof of income.

Fine Bank campaign – 50 000 USD for 30 days for free


Any client who has not taken advantage of the Credit loan at Fine Bank can take advantage of this promotion. The promotion works so that if a client requests to open Fine Bank Credit for the duration of a campaign, they will not be charged for the first 30 days of daily interest or a withdrawal fee for their first withdrawal.

The client pays exactly the amount he borrowed in 30 days. It can also only pay the minimum monthly installments according to the information on the invoice.

This campaign is intended for persons over 19 years of age with permanent residence in the Czech Republic.

Fine Bank Business for entrepreneurs

Good Credit Business for entrepreneurs

Fine Bank also offers loans for entrepreneurs, the so-called Fine Bank Business.

The amount of this business loan is from USD 50,000 to USD 1,300,000. Reported up to 18 months’ maturity without the need to pledge. The first installment will be made 30 days after the loan has been arranged.

Fine Bank Business has no hidden fees. You can apply for Fine Bank Business online.

Conditions for obtaining a business loan:

  • The business has been running for more than 12 months
  • The annual turnover of the company is at least 600000 USD
  • All company owners are resident in the Czech Republic
  • The applicant has a special business account
  • The company physically operates in the Czech Republic

Initially, a fee of 2.5% is charged, with a monthly interest rate of 2.9% on the loan amount.

Fine Bank is originally a non-banking company Fine Bank, which has transformed into a bank lender. It targets both regular clients and entrepreneurs. Founded in 2005 in Finland, the company has now expanded to most countries around the world. She obtained a banking license in Malta.