The situation
A consumer loan product, its app flow and its first advert
Your lending company in Prague is launching a 3 to 24 month instalment loan in an app, in Czech and Polish, with the first Polish campaign set for January. Product has the screens, legal has the contract template, and nobody has checked what the customer sees before signing against both countries’ consumer credit acts.
The core rules come from one directive. The hours go on the national layer: the form and timing of the standard information, the representative example in adverts, the creditworthiness check, what an app screen must show and what happens if something is missing. In Poland, a missing item can cost the lender all interest and charges on the loan.
What the research has to settle
The rules behind the answer
- Standard information before the contract
- The creditor must give the consumer the standard European consumer credit information, on the prescribed form, in good time before the consumer is bound. A summary on screen does not replace it.
- Adverts need a representative example
- Advertising that states an interest rate or any figure on the cost of credit must include the standard information, illustrated by a representative example. A January campaign has to meet this in each country.
- The revised directive applies from November 2026
- The revised Consumer Credit Directive applies from 20 November 2026 and brings some products into scope that were previously outside it. Whether and how each country has transposed it is something the research confirms before launch.
- Sanctions are national and can be heavy
- Polish law lets a consumer repay only the capital, without interest and charges, where the lender breaches certain information duties, and that sanction has produced a large body of case law. Czech law sets its own consequences, including for a deficient creditworthiness assessment.
How it runs in azta
From the question to the document
The question, as you would type it
Czech lender launching a 3 to 24 month instalment loan by app in Poland and the Czech Republic. What pre-contract information must we give and when, what must our adverts show, and what sanctions apply if an item is missing? Note anything that changes in November 2026.
You start with
A consumer loan product, its app flow and its first advert
- 01
Describe the product and the channel
Set out the loan terms, the app flow and the advert. azta searches the Consumer Credit Directives and the Polish and Czech consumer credit acts.
Cited research· Free - 02
Check the decisions on information breaches
Ask for Polish decisions on the sanction for missing information and the Court of Justice decisions on the directive. azta links each to the full text.
Case-law search - 03
Draft the checklist
Ask for a checklist per country: each item of information, where it appears in the app, and the provision behind it. Edit it in Canvas.
Canvas · Ask azta· Pro - 04
Export for product and legal
Export to Word so product can fix the screens before the campaign starts.
Word export· Pro You send
A launch checklist per country of the information duties, with provisions and risks
What you get
A launch checklist per country of the information duties, with provisions and risks
Launch checklist · draft
Instalment loan: pre-contract information, Poland
Before the contract. The app presents the standard information form, completed for the customer’s chosen amount and term, before the customer accepts. The form can be downloaded and is sent by email with the contract. Items 1 to 18 of the checklist map each field to the provision and to the screen where it appears.
Adverts. The January campaign states a monthly instalment, so each advert must include the standard information with a representative example. The agency brief in Annex 2 sets out the wording and how it must be displayed.
Risks. A missing or incorrect item in the contract can let the customer repay the capital only. Items marked red carry that risk and must be fixed before launch. The changes due under the revised directive are listed separately in section 5.
Outcomes on your numbers
What azta is worth on this task
Pro pays for itself after
15 minutes a month
At €110 an hour, that is all the time Pro (€27 a month) has to take off your desk to cover its price.
Example figures. Replace them with your own.
- Hours back a year
- 22
- Capacity at your rate
- €2,376
- More product information checks a quarter
- 0.7
- Return on Pro
- 7.3×
- Research
- Drafting
- Your review
A scenario you set, not a promise. The hours that come back go to another client, or deeper into this one.
Want these numbers on your team’s real workload?
Book a demoSources azta searches here
- EUR-Lex · Curia
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- e-Sbírka
- Ústavní soud
What stays with you
- The product terms and the app design.
- Guidance from the Polish and Czech supervisors, which azta does not hold.
- The launch decision and the final wording.
Frequently asked questions
- Does azta hold the Polish and Czech supervisors’ guidance?
- No. For Poland and the Czech Republic it holds legislation and court decisions, not the supervisors’ material. Check their guidance separately.
- Will it cover the revised directive?
- Yes. The revised Consumer Credit Directive is in the corpus, and national legislation is indexed daily, so you can see whether a transposing act is in force.
- Can several of us review the checklist?
- On Enterprise, shared workspaces keep the research and drafts for a launch together, with access by membership.
