Zaplo Finance
- Company typePrivate
- Founded-
- HeadquartersPraha, Czechia
- Headcount51–100
- GTM typeB2C
- OfferingServices
Zaplo Finance firmographics
Firmographics- 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
Zaplo Finance industry classification
Industry- 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
Where Zaplo Finance is headquartered
LocationHeadquarters
- HQ city
- Praha
- HQ country
- Czechia
- HQ region
- Europe
Offices1 record
Markets served
Zaplo Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | First-time borrowers receive interest-free loans up to 8,000 Kč when repaid within 30 days |
| Subscription | Monthly | Standard short-term loans with fixed annual interest rate of 279.83% |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Zaplo Finance product offering
Product offeringCore 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
Companies that use Zaplo Finance
Customer profileSegments1 record
Ideal customer profiles1 record
Zaplo Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
Zaplo Finance partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- APNÚ (Association of Non-Bank Credit Providers)coreFounding 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 iDcoreIntegration 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
Zaplo Finance competitors and assessment
Company assessmentDirect 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
Zaplo Finance social profiles
Digital presenceZaplo Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zaplo Finance leadership team
Management profileNumber of profiles
Zaplo Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zaplo Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zaplo Finance
What does Zaplo Finance do?
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.
Is Zaplo Finance a public or private company?
Zaplo Finance is a private company. It is classified as corporate owned and is currently operating.
When was Zaplo Finance founded?
Zaplo Finance was founded in -1. It employs 51 to 100 people.
Where is Zaplo Finance based?
Zaplo Finance is headquartered in Praha, Czechia, in the Europe region.
How does Zaplo Finance make money?
Two revenue lines are on record. Short-term Consumer Loans are the primary driver. The others are loan Extension/Repayment Fees.
Who are Zaplo Finance's main competitors?
Direct peers on record are CreditKasa, Express Cash (Expres půjčka), Vivus (4finance), Zonky, Ferratum (JBF Capital) and CoolCredit. Broad incumbents are Home Credit, Air Bank and Profi Credit. Paskolina is listed as a regional player.
Does Zaplo Finance have an API?
No public API is recorded for Zaplo Finance.
What industry is Zaplo Finance in?
Zaplo Finance's product category is Consumer micro-lending. Its primary akta.pro industry code is FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday). Its NAICS code is 5222 and its SIC code is 6141.