Representative example: The credit limit is CZK 40000, the minimum loan duration is 61 days, the maximum loan duration is indefinite, the interest rate is 39.99% p.m., the maximum APR is 5621.92%. In the event of a one-off drawdown of the credit limit of CZK 40000 and repayment of the loan in two monthly installments in such a way that the first installment is paid on the 30th day after the limit is exhausted and settles the accrued interest in the amount of CZK 15996.00, and the second installment is paid on the 61st day after the loan is exhausted and settles the accrued interest and the principal of the loan in the total amount of CZK 56529.20, the total amount payable by the client is CZK 72525.20.