{"id":1276,"date":"2026-05-25T20:41:10","date_gmt":"2026-05-25T18:41:10","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=1276"},"modified":"2026-05-25T20:41:11","modified_gmt":"2026-05-25T18:41:11","slug":"jednorazova-pujcka-kdy-se-vyplati-a-jak-ji-ziskat-rychle-online","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=1276","title":{"rendered":"Jednor\u00e1zov\u00e1 p\u016fj\u010dka: kdy se vyplat\u00ed a jak ji z\u00edskat rychle online"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">N\u011bkdy v\u00e1m \u017eivot hod\u00ed pod nohy \u00fa\u010det, kter\u00fd jste v\u016fbec ne\u010dekali. Rozbit\u00e1 pra\u010dka v p\u016flce m\u011bs\u00edce, nedoplatek za energie p\u0159ich\u00e1zej\u00edc\u00ed v tu nejhor\u0161\u00ed chv\u00edli nebo nutn\u00e1 oprava auta, bez kter\u00e9 se prost\u011b do pr\u00e1ce nedostanete. V takov\u00fdch situac\u00edch nepot\u0159ebujete dlouhodob\u00fd z\u00e1vazek ani slo\u017eit\u00e9 pap\u00edrov\u00e1n\u00ed \u2013 pot\u0159ebujete rychl\u00e9 \u0159e\u0161en\u00ed na p\u0159esn\u011b stanovenou dobu. Pr\u00e1v\u011b proto m\u00e1 smysl zv\u00e1\u017eit, co nab\u00edz\u00ed <a href=\"https:\/\/pujckaplus.cz\/jednorazova-pujcka\/\">jednor\u00e1zov\u00e1 p\u016fj\u010dka<\/a>: \u017e\u00e1dn\u00e9 opakuj\u00edc\u00ed se spl\u00e1tky nata\u017een\u00e9 p\u0159es rok, \u017e\u00e1dn\u00e9 zbyte\u010dn\u00e9 komplikace, jen konkr\u00e9tn\u00ed \u010d\u00e1stka na konkr\u00e9tn\u00ed dobu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co p\u0159esn\u011b si pod t\u00edmto pojmem p\u0159edstavit?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jednor\u00e1zov\u00e1 p\u016fj\u010dka funguje jednodu\u0161e: p\u016fj\u010d\u00edte si pevn\u011b stanovenou \u010d\u00e1stku, kterou v dohodnut\u00e9m term\u00ednu splat\u00edte najednou. \u017d\u00e1dn\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, \u017e\u00e1dn\u00e9 pr\u016fb\u011b\u017en\u00e9 sledov\u00e1n\u00ed kalend\u00e1\u0159e. Pro nov\u00e9 \u017eadatele b\u00fdv\u00e1 splatnost nastavena na 15 dn\u00ed, od druh\u00e9 \u017e\u00e1dosti se pak m\u016f\u017ee prodlou\u017eit a\u017e na 30 dn\u00ed \u2013 z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edch podm\u00ednk\u00e1ch poskytovatele. V\u00fd\u0161e \u00fav\u011bru se pohybuje od 1 000 K\u010d a\u017e po 30 000 K\u010d, tak\u017ee si p\u016fj\u010d\u00edte p\u0159esn\u011b tolik, kolik skute\u010dn\u011b pot\u0159ebujete, a neplat\u00edte za v\u00edc. Tento model funguje dob\u0159e tehdy, kdy\u017e v\u00edte, \u017ee pen\u00edze budete m\u00edt k dispozici \u2013 nap\u0159\u00edklad po v\u00fdplat\u011b \u2013 a pot\u0159ebujete jen p\u0159eklenout kr\u00e1tk\u00fd \u010dasov\u00fd v\u00fdpadek.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pro\u010d je velkou v\u00fdhodou to, \u017ee v\u00e1m nikdo nevol\u00e1?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jedna v\u011bc, kter\u00e1 dok\u00e1\u017ee z\u00e1jemce o rychl\u00fd \u00fav\u011br skute\u010dn\u011b odradit, jsou ne\u010dekan\u00e9 telefon\u00e1ty. Vypln\u00edte formul\u00e1\u0159 a za chv\u00edli zvon\u00ed mobil \u2013 oper\u00e1tor se vypt\u00e1v\u00e1, ov\u011b\u0159uje, p\u0159esv\u011bd\u010duje. Modern\u00ed online p\u0159\u00edstup tohle zcela eliminuje. Cel\u00fd proces prob\u00edh\u00e1 v\u00fdhradn\u011b p\u0159es internet: \u017e\u00e1dost pod\u00e1te online, toto\u017enost ov\u011b\u0159\u00edte pohodln\u011b p\u0159es Bank ID, a nikdo v\u00e1m nevol\u00e1 ani v\u00e1s telefonicky nekontaktuje v \u017e\u00e1dn\u00e9 f\u00e1zi. Va\u0161e soukrom\u00ed z\u016fst\u00e1v\u00e1 zachov\u00e1no a vy m\u00e1te klid. Z\u00e1rove\u0148 v\u00e1s nikdo nepros\u00ed, abyste vysv\u011btlovali, na co pen\u00edze pot\u0159ebujete. Jestli jde o opravu kotle, dovolenou nebo z\u00e1lohu za pron\u00e1jem nov\u00e9ho bytu, to je \u010dist\u011b va\u0161e v\u011bc.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jakou roli hraje dostupnost v dob\u011b, kdy je v\u0161e zav\u0159en\u00e9?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Finan\u010dn\u00ed t\u00edse\u0148 si nevyb\u00edr\u00e1 \u010das. Stejn\u011b tak online p\u016fj\u010dovac\u00ed slu\u017eby \u2013 funguj\u00ed nep\u0159etr\u017eit\u011b, 24 hodin denn\u011b, 7 dn\u00ed v t\u00fddnu, v\u010detn\u011b st\u00e1tn\u00edch sv\u00e1tk\u016f. Pokud zjist\u00edte v ned\u011bli ve\u010der, \u017ee v\u00e1m chyb\u00ed pen\u00edze na uhrazen\u00ed z\u00e1lohy za opravu, nemus\u00edte \u010dekat do pond\u011bln\u00edho r\u00e1na, ne\u017e se otev\u0159ou bankovn\u00ed p\u0159ep\u00e1\u017eky. \u017d\u00e1dost pod\u00e1te p\u0159\u00edmo z gau\u010de, bez nutnosti nav\u0161t\u00edvit jakoukoli pobo\u010dku, bez tisknut\u00ed smluv a bez hled\u00e1n\u00ed ru\u010ditele. Ov\u011b\u0159en\u00ed p\u0159es Bank ID znamen\u00e1, \u017ee cel\u00fd proces prob\u011bhne rychle a bezpe\u010dn\u011b \u2013 va\u0161e toto\u017enost se potvrd\u00ed prost\u0159ednictv\u00edm p\u0159ihl\u00e1\u0161en\u00ed do internetov\u00e9ho bankovnictv\u00ed, tak\u017ee s sebou nenesete \u017e\u00e1dn\u00e9 dokumenty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kdy se nab\u00eddka p\u016fj\u010dka v sobotu na \u00fa\u010det stane opravdu relevantn\u00ed?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00edkend je p\u0159esn\u011b ten \u010das, kdy se drobn\u00e9 finan\u010dn\u00ed komplikace ukazuj\u00ed v pln\u00e9 s\u00edle. \u010cerpac\u00ed stanice vy\u017eaduje z\u00e1lohu, \u0159emesln\u00edk chce zaplatit za materi\u00e1l p\u0159edem a v\u00e1\u0161 bankovn\u00ed poradce je nedostupn\u00fd a\u017e do pond\u011bl\u00ed. Mo\u017enost z\u00edskat <a href=\"https:\/\/pujckaplus.cz\/pujcka-v-sobotu-na-ucet\/\">p\u016fj\u010dka v sobotu na \u00fa\u010det<\/a> p\u0159est\u00e1v\u00e1 b\u00fdt jen marketingov\u00fd slogan \u2013 je to praktick\u00e1 nutnost. Online slu\u017eby bez telefon\u00e1t\u016f a bez pap\u00edrov\u00e1n\u00ed jsou v takov\u00e9 situaci doslova k nezaplacen\u00ed. A pro ty, kdo si p\u016fj\u010duj\u00ed poprv\u00e9, je tady je\u0161t\u011b jedna zaj\u00edmavost: prvn\u00ed p\u016fj\u010dka m\u016f\u017ee b\u00fdt zcela zdarma, a to a\u017e do v\u00fd\u0161e 20 000 K\u010d na dobu 10 dn\u00ed. Pokud ji splat\u00edte v\u010das, neplat\u00edte \u017e\u00e1dn\u00fd poplatek nav\u00edc. To je nab\u00eddka, kter\u00e1 d\u00e1v\u00e1 skute\u010dn\u00fd smysl tehdy, kdy\u017e pot\u0159ebujete p\u0159eklenout kr\u00e1tk\u00fd v\u00fdpadek bez zbyte\u010dn\u00fdch n\u00e1klad\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak se zorientovat a kde za\u010d\u00edt?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hled\u00e1te-li konkr\u00e9tn\u00ed slu\u017ebu, kter\u00e1 spl\u0148uje v\u0161echny v\u00fd\u0161e zm\u00edn\u011bn\u00e9 parametry \u2013 \u017e\u00e1dn\u00e1 vol\u00e1n\u00ed, ov\u011b\u0159en\u00ed p\u0159es Bank ID, dostupnost o v\u00edkendech i sv\u00e1tc\u00edch, p\u016fj\u010dka od 1 000 do 30 000 K\u010d a splatnost p\u0159izp\u016fsoben\u00e1 tomu, zda jde o prvn\u00ed nebo opakovanou \u017e\u00e1dost \u2013 pak stoj\u00ed za to pod\u00edvat se na P\u016fj\u010dkaPlus. Tato \u010desk\u00e1 online slu\u017eba cel\u00fd proces stav\u00ed na jednoduchosti a respektu k soukrom\u00ed klienta. \u017d\u00e1dn\u00e9 pobo\u010dky, \u017e\u00e1dn\u00e9 pap\u00edrov\u00e1n\u00ed, \u017e\u00e1dn\u00e9 telefon\u00e1ty. Jen p\u0159ehledn\u00fd formul\u00e1\u0159, ov\u011b\u0159en\u00ed toto\u017enosti p\u0159es Bank ID a pen\u00edze na \u00fa\u010dtu. Pro ka\u017ed\u00e9ho, kdo \u0159e\u0161\u00ed neo\u010dek\u00e1van\u00fd v\u00fddaj a chce m\u00edt v\u011bci pod kontrolou, je to p\u0159\u00edstup, kter\u00fd si zaslou\u017e\u00ed pozornost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reprezentativn\u00ed p\u0159\u00edklad: Celkov\u00e1 v\u00fd\u0161e spot\u0159ebitelsk\u00e9ho \u00fav\u011bru 1000 K\u010d, Doba trv\u00e1n\u00ed 30 dn\u00ed, Poplatek za poskytnut\u00ed \u00fav\u011bru 360 K\u010d, Ro\u010dn\u00ed \u00farokov\u00e1 sazba 36,5 %, RPSN 5395,58 %, Celkov\u00e1 \u010d\u00e1stka splatn\u00e1 spot\u0159ebitelem 1390 K\u010d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u011bkdy v\u00e1m \u017eivot hod\u00ed pod nohy \u00fa\u010det, kter\u00fd jste v\u016fbec ne\u010dekali. Rozbit\u00e1 pra\u010dka v p\u016flce m\u011bs\u00edce, nedoplatek za energie p\u0159ich\u00e1zej\u00edc\u00ed v tu nejhor\u0161\u00ed chv\u00edli nebo nutn\u00e1 oprava auta, bez kter\u00e9 se prost\u011b do pr\u00e1ce nedostanete. V takov\u00fdch situac\u00edch nepot\u0159ebujete dlouhodob\u00fd z\u00e1vazek ani slo\u017eit\u00e9 pap\u00edrov\u00e1n\u00ed \u2013 pot\u0159ebujete rychl\u00e9 \u0159e\u0161en\u00ed na p\u0159esn\u011b stanovenou dobu. Pr\u00e1v\u011b proto m\u00e1 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1276","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1276"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1276\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/1277"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}