Zaplo Finance

Name

Zaplo Finance

Legal name

Zaplo Finance s.r.o.

Website

https://zaplo.cz

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Consumer micro-lending

NAICS

Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Consumer micro-lending
• Short-term loans
• Online lending platform
• Non-bank credit
• Installment loans

Headquarters

HQ city

Praha

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Short-term Consumer Loans: Interest-bearing short-term loans with annual rates of 279.83% and APR of 1141%. First loan offered interest-free to new customers as customer acquisition. Revenue generated from interest and fees on subsequent loans.
2. Loan Extension/Repayment Fees: Fees associated with late payments, extension of loan terms, and other repayment-related charges as per the fee schedule

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Zaplo Finance provides unsecured short-term consumer micro-loans to Czech residents, with loan amounts from 1,000 CZK to 30,000 CZK and repayment terms up to 12 months. Applications, identity verification (via Bank iD), approval, and disbursement are conducted online through the zaplo.cz website and mobile apps, with funds typically transferred within 15 minutes of approval. The company also offers an installment-loan product ("Zaplo na splátky") for customers needing larger amounts or longer repayment schedules.

Product overview

Zaplo Finance operates as a Czech non-bank lending company offering a portfolio of consumer credit products. The core offering consists of Zaplo, a short-term micro-loan product with loan amounts ranging from 1,000 CZK to 30,000 CZK and repayment terms up to 12 months. The company provides a mobile application that serves as the primary interface for managing loans, offering 24/7 access to loan details, flexible repayment options, and the ability to increase loan limits. For customers needing higher amounts, Zaplo offers an installment loan product called 'Zaplo na splátky' as an add-on module. All products are delivered entirely online with features like Bank ID verification for rapid approval and disbursement, including money transfer within 15 minutes of approval.

Differentiator

Problem solved

Functional benefit

Products and services

• Zaplo Short-term Micro-loan Unsecured short-term consumer micro-loan for Czech residents ranging from 1,000 CZK to 30,000 CZK with repayment terms up to 12 months, applied for online with instant approval and Bank iD identity verification; funds typically disbursed within 15 minutes of approval. First loan up to 8,000 CZK is interest-free if repaid within 30 days as a customer-acquisition offer.
• Zaplo Mobile Application Mobile app for iOS and Android that lets customers apply for and manage Zaplo loans, view loan details 24/7, adjust repayment amounts, request loan-limit increases, and log in securely with fingerprint or FaceID.
• Zaplo na splátky (Installment Loan) Installment loan product for customers requiring higher loan amounts and longer repayment terms than the standard short-term Zaplo micro-loan, offered as a sister product under the Zaplo brand.

Quantifiable outcome

• Funds transferred within 15 minutes of loan approval
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• APNÚ (Association of Non-Bank Credit Providers)coreStrategic or Co-development PartnerFounding member of the Association of Non-Bank Credit Providers. Association ensures transparent and understandable credit terms, promotes responsible lending practices, and advocates for consumer protection in the non-bank lending sector.
• Bank iDcoreTechnology or IntegrationIntegration with Bank iD for fast identity verification, enabling quicker loan approvals and disbursements through secure banking identity authentication.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• CreditKasa: CreditKasa operates a Czech online short-term consumer lending product with similar small-ticket loan sizes and digital application flow. It targets the same sub-prime Czech consumer segment and competes head-to-head on price, speed, and brand.
• Express Cash (Expres půjčka): Express Cash is a Czech non-bank online lender specializing in small short-term consumer loans, comparable in loan size, target customer, and digital onboarding to Zaplo. It is one of the closest product substitutes in the Czech micro-loan comparison portals.
• Vivus (4finance): Vivus is a direct Czech micro-loan competitor offering short-term online consumer loans of similar size and APR profile to Zaplo. The Zaplo website even shares branded assets and platform elements with Vivus, suggesting shared corporate parentage and a near-identical product proposition to Czech consumers.
• Zonky: Zonky is a Czech online consumer lending platform (now part of Air Bank group) offering personal loans to Czech borrowers with a fully digital application process. It competes for the same Czech digital consumer borrower as Zaplo, though at typically larger loan sizes and lower APRs.
• Ferratum (JBF Capital): Ferratum is a European digital consumer lender offering short-term 'micro-loans' and installment credit across multiple EU countries. It is a direct functional comparable to Zaplo in product design, target segment, and regulatory exposure, although it operates at broader geographic scale.
• CoolCredit: CoolCredit is a Czech non-bank lender providing short-term online consumer loans targeted at the same bridge-between-paychecks use case as Zaplo. It is a direct competitor for Czech micro-loan customers with comparable loan-size bands and digital onboarding.

Broad incumbents

• Home Credit: Home Credit is a large Czech-origin consumer lender offering POS financing, cash loans, and installment credit across CEE and Asia. It is comparable as a much larger, broader non-bank consumer credit incumbent in the same Czech market, with overlapping small-ticket and installment product lines.
• Air Bank: Air Bank is a major Czech retail bank offering consumer loans, credit cards, and overdrafts through a mobile-first experience. While not a direct micro-loan competitor, it overlaps with Zaplo's target customer for short-term liquidity needs and benefits from a much lower cost of capital.
• Profi Credit: Profi Credit is a Czech non-bank consumer lender offering short-term and installment loans through both online and branch channels. It is comparable as a more established, broader non-bank competitor to Zaplo in the Czech consumer credit market with overlapping small-ticket loan products.

Regional players

• Paskolina: Paskolina is a Czech online consumer credit intermediary/loan broker that connects borrowers with non-bank lenders. It is comparable as an adjacent competitor capturing the same Czech consumer demand for short-term online credit, with a different business model (lead aggregation rather than balance-sheet lending).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/zaplocz
• Facebookfacebook.com/zaplo.cz
• LinkedInlinkedin.com/company/zaplo

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zaplo Finance