Ahoj
- Company typePrivate
- Founded2018
- HeadquartersPoprad
- Headcount51–100
- GTM typeB2C
- OfferingServices
Ahoj firmographics
Firmographics- Name
- Ahoj
- Legal name
- Ahoj, a.s.
- Website
- https://ahojfinancie.sk
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Ahoj industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Sales Financing (52222)
- akta.pro primary industry
- BNPL for High-Ticket / Longer-Term Installments (FSAKACAN)
Keywords
Where Ahoj is headquartered
LocationHeadquarters
- HQ city
- Poprad
Offices2 records
Markets served
Ahoj business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Others
Revenue model
- Consumer Lending: Ahoj generates revenue through consumer lending products including personal loans (pôžička na čokoľvek) up to 20,000 € and auto loans (auto na splátky) up to 30,000 € with repayment periods up to 8 years. Revenue is generated through interest and fees on loans extended to consumers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal loan (Pôžička na čokoľvek) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Ahoj product offering
Product offeringCore offering
Ahoj is a Slovak consumer finance provider offering personal loans (Pôžička na čokoľvek) up to €20,000 approved within minutes without requiring a bank account, auto financing (Auto na splátky) up to €30,000 with repayment terms up to 8 years, and installment purchasing (Nákup na splátky) at partner retailers. All products are accessed through the company's digital self-service platform spanning ahojfinancie.sk, ahojpozicky.sk, and ahojsplatky.sk, with additional in-store availability through partner retail locations.
Product overview
Ahoj is a Slovak financial services company offering a portfolio of consumer lending products. The core offering consists of three main products: (1) Pôžička na čokoľvek, a personal loan of up to €20,000 with quick processing and no account requirement; (2) Auto na splátky, a car financing solution of up to €30,000 with repayment terms up to 8 years; and (3) Nákup na splátky, an installment purchasing service. All products are accessible through the Ahoj online platform, with additional services including an online calculator at ahojpozicky.sk and purchasing portal at ahojsplatky.sk. The company operates as part of the KBC Group and is regulated by the National Bank of Slovakia.
Differentiator
Problem solved
Functional benefit
Brands
- Ahoj Pôžičky: Online loan platform offering personal loans up to 20,000 EUR for any purpose without requiring account opening.
- Ahoj Splátky
Products and services
- Pôžička na čokoľvek (Personal Loan)
- Auto na splátky (Auto Financing) Car financing for individual consumers supporting new, used, or imported vehicles, with loan amounts up to €30,000 and repayment terms of up to 8 years. Accessible via the ahojsplatky.sk online platform.
- Nákup na splátky (Installment Purchase) Installment purchase service for individual consumers that enables buying goods at partner retailers and customizing the repayment plan to fit the customer's preferences, accessed via the ahojsplatky.sk portal.
Companies that use Ahoj
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles1 record
Ahoj technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Ahoj partnerships and signals
Strategic signalScale indicators1 record
Recent moves5 records
Expansion highlights5 records
Ahoj competitors and assessment
Company assessmentBroad incumbents
- Cetelem: Cetelem (BNP Paribas Personal Finance) is a broad European consumer credit incumbent with a Slovak operation offering personal loans and installment financing. It competes with Ahoj in unsecured consumer credit but at meaningfully greater scale.
- Slovenská sporiteľňa: Slovenská sporiteľňa is the largest Slovak universal bank (Erste Group) and a major provider of consumer loans and auto financing. It is a broad incumbent that competes with Ahoj across all three product lines but with the full backing of a deposit-funded bank.
- Cofidis: Cofidis is a major European consumer credit provider (Crédit Mutuel group) operating in Slovakia with personal loans and BNPL-style installment products. It is a broader incumbent that overlaps Ahoj's product set but with significantly more scale.
- Tatra banka: Tatra banka is one of Slovakia's leading universal banks, with a strong digital consumer lending franchise. It competes with Ahoj in personal and auto loans, particularly among digitally active Slovak consumers.
- VÚB Banka: VÚB is a major Slovak universal bank (Intesa Sanpaolo group) offering consumer loans and auto financing. It is a broad incumbent peer in the same Slovak consumer credit market.
Regional players
- Air Bank: Air Bank is a Czech digital bank with a growing consumer loan book and the former owner of Zonky. It does not operate in Slovakia but is a comparable digital-first consumer lender in the closely related Czech market.
Direct peers
- Twisto: Twisto is a CEE-focused BNPL and consumer credit fintech operating in Czechia and Poland. It is a direct peer on the digital BNPL/consumer credit side, with similar product positioning to Ahoj's installment offering.
- Provident Financial: Provident is a UK-origin home credit and consumer finance operator active in Slovakia and CEE. It is a direct peer in the small-ticket, relationship-based consumer lending segment where Ahoj's personal loan product competes.
- Home Credit: Home Credit is one of the largest consumer finance and POS installment lenders in Central and Eastern Europe, with a strong Slovak presence. It is the most direct functional comparable to Ahoj across personal loans, auto financing, and in-store BNPL.
- Quatro: Quatro is a Slovak POS installment and revolving credit provider historically tied to retail chains. It is a direct peer in the in-store installment/BNPL segment that Ahoj's 'Nákup na splátky' product targets.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Ahoj social profiles
Digital presenceAhoj financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ahoj leadership team
Management profileNumber of profiles
Ahoj funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ahoj 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 Ahoj
What does Ahoj do?
Ahoj is a Slovak consumer finance provider offering personal loans (Pôžička na čokoľvek) up to €20,000 approved within minutes without requiring a bank account, auto financing (Auto na splátky) up to €30,000 with repayment terms up to 8 years, and installment purchasing (Nákup na splátky) at partner retailers. All products are accessed through the company's digital self-service platform spanning ahojfinancie.sk, ahojpozicky.sk, and ahojsplatky.sk, with additional in-store availability through partner retail locations.
Is Ahoj a public or private company?
Ahoj is a private company. It is classified as corporate owned and is currently operating.
When was Ahoj founded?
Ahoj was founded in 2018. It employs 51 to 100 people.
Where is Ahoj based?
Ahoj is headquartered in Poprad.
How does Ahoj make money?
One revenue line is on record: consumer Lending.
Who are Ahoj's main competitors?
Broad incumbents on record are Cetelem, Slovenská sporiteľňa, Cofidis, Tatra banka and VÚB Banka. Air Bank is listed as a regional player. Direct peers are Twisto, Provident Financial, Home Credit and Quatro.
Does Ahoj have an API?
No public API is recorded for Ahoj.
What industry is Ahoj in?
Ahoj's product category is Consumer Lending. Its primary akta.pro industry code is FSAKACAN, BNPL for High-Ticket / Longer-Term Installments. Its NAICS code is 52222.