We currently track 2 offers from API Bank. Each offer is compared with other banks by the annual percentage rate (APR), which includes fees.
Rates checked 04/11/2026 on the official bank website. Always check the bank's official website for terms and details.
Cash loans
- No. 3 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
Gotovinski kredit (primanja do 100.000 RSD)
- EKS
- 7.82%
Example: 500,000 RSD over 36 months, about 15,553 RSD per month
- Nominal rate
- 7.5%
- Amount
- from 60,000 to 1,000,000 RSD
- Repayment term
- from 13 to 36 months
- Interest
- fixed
Za zaposlene i penzionere sa primanjima do 100.000 RSD; prenos zarade nije uslov; primer 500.000 RSD na 36 meseci, obračun na dan 08.09.2025.
Gotovinski kredit sa fiksnom kamatom
- EKS
- 8.03%
Example: 500,000 RSD over 36 months, about 15,599 RSD per month
- Nominal rate
- 7.7%
- Amount
- from 60,000 to 1,170,000 RSD
- Repayment term
- from 13 to 36 months
- Interest
- fixed
Uz prenos zarade; bez prenosa: NKS 10,00% / EKS 10,53%; primer 500.000 RSD na 36 meseci, obračun na dan 08.09.2025.
Is API Bank the best deal for you?
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Frequently asked questions about loans
What loans does API Bank offer?
API Bank currently offers: Cash loans (2 offers). We checked the data on 04/11/2026 on the official bank website.
API Bank Cash loans: what is the interest rate?
The lowest published APR is 7.82% (Gotovinski kredit (primanja do 100.000 RSD)), nominal rate 7.5%, in dinars, fixed rate. No. 3 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
What is the effective interest rate (EIR) and why do we rank by it?
The effective interest rate (EIR) includes fees and other loan costs on top of the nominal rate, so it is the closest measure of the total price you actually pay. That makes EIR the only fair way to compare offers across banks.
Where does the interest rate data come from?
We collect rates from the banks' official websites (representative examples) and record the source and check date for every entry. If a bank changes its terms before our next check, the data may briefly lag behind.