Which loan is cheapest for you?
Rates are taken from official bank websites (representative examples) and ranked by the effective interest rate — it includes fees and costs.
This information is for guidance only. Always verify final interest rates and terms on the bank's official website.
Loan type
Currency
Interest rate
Who is borrowing
How much do you need?
We only show loans that cover this amount.
Over how many months?
For the entered amount and term we calculate the monthly instalment and total cost.
Bank ranking — ranked by effective interest rate (EIR)
Monthly instalment~ 9,898 RSD
You repay in total ~ 597,155 RSD(of which interest and costs ~ 97,155 RSD)
- Nominal rate
- 6.99%
- Amount
- from 50,000 to 4,000,000 RSD
- Repayment term
- from 6 to 71 months
- Interest
- fixed
Za zaposlene i penzionere; bez naknade za obradu zahteva do 31.08.2026; primer 3.000.000 RSD.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 9,889 RSD
You repay in total ~ 602,993 RSD(of which interest and costs ~ 102,993 RSD)
- Nominal rate
- 6.95%
- Amount
- to 3,000,000 RSD
- Repayment term
- to 71 months
- Interest
- fixed
Bez osiguranja, uz obavezan prenos zarade; sa osiguranjem: NKS 6,45% / EKS 8,34% do 4.000.000 RSD; primer na dan 29.09.2025.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 10,019 RSD
You repay in total ~ 611,311 RSD(of which interest and costs ~ 111,311 RSD)
- Nominal rate
- 7.5%
- Repayment term
- from 12 to 71 months
- Interest
- fixed
Ponuda važi 15.09.2025–15.09.2026; primer 1.000.000 RSD na 71 mesec, bez naknade za obradu.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 10,114 RSD
You repay in total ~ 613,329 RSD(of which interest and costs ~ 113,329 RSD)
- Nominal rate
- 7.9%
- Amount
- from 80,000 to 4,000,000 RSD
- Repayment term
- from 6 to 70 months
- Interest
- fixed
Za primanja preko 100.000 RSD uz prenos zarade; do 100.000 RSD: NKS 7,50% / EKS 7,89%; primer na dan 04.09.2025.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 10,174 RSD
You repay in total ~ 615,062 RSD(of which interest and costs ~ 115,062 RSD)
- Nominal rate
- 8.15%
- Amount
- from 150,000 to 1,200,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Promo 01.07–31.07.2026. za zaradu preko 100.000 RSD; za zaradu do 100.000 RSD: NKS 7,50% / EKS 7,77%.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 10,186 RSD
You repay in total ~ 616,219 RSD(of which interest and costs ~ 116,219 RSD)
- Nominal rate
- 8.2%
- Amount
- to 1,000,000 RSD
- Repayment term
- to 71 months
- Interest
- fixed
Bez osiguranja; za primanja do 100.000 RSD: NKS 7,45% / EKS 7,74%; EKS obračunat 03.04.2026.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 10,282 RSD
You repay in total ~ 616,943 RSD(of which interest and costs ~ 116,943 RSD)
- Nominal rate
- 8.6%
- Amount
- to 3,500,000 RSD
- Repayment term
- to 70 months
- Interest
- fixed
Online kredit bez skrivenih troškova (NKS = EKS po objavi banke); minimalna primanja 20.000 RSD; primer 15.09.2025.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 10,019 RSD
You repay in total ~ 618,247 RSD(of which interest and costs ~ 118,247 RSD)
- Nominal rate
- 7.5%
- Amount
- to 5,000,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Uz prenos zarade; reprezentativni primer 1.500.000 RSD na 71 mesec, bez naknade za obradu.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 9,842 RSD
You repay in total ~ 618,537 RSD(of which interest and costs ~ 118,537 RSD)
- Nominal rate
- 6.75%
- Repayment term
- to 71 months
- Interest
- fixed
Specijalna ponuda za nove klijente; za javni sektor NKS 6,65% / EKS 8,60%; primer 1.600.000 RSD na 71 mesec (EKS obračunat 25.09.2025, uključuje osiguranje i vođenje računa).
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 10,307 RSD
You repay in total ~ 623,479 RSD(of which interest and costs ~ 123,479 RSD)
- Nominal rate
- 8.7%
- Amount
- to 4,500,000 RSD
- Repayment term
- to 70 months
- Interest
- fixed
Bez osiguranja otplate; sa osiguranjem NKS od 8,10%; bez naknade za obradu zahteva.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 10,246 RSD
You repay in total ~ 639,628 RSD(of which interest and costs ~ 139,628 RSD)
- Nominal rate
- 8.45%
- Amount
- from 200,000 to 5,000,000 RSD
- Repayment term
- from 18 to 71 months
- Interest
- fixed
Uz prenos zarade; primer: 800.000 RSD na 71 mesec (EKS 10,53% sa osiguranjem); postoji i promenljiva opcija 6M BELIBOR + 6,90%.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 10,538 RSD
You repay in total ~ 641,256 RSD(of which interest and costs ~ 141,256 RSD)
- Nominal rate
- 9.65%
- Amount
- from 300,000 to 1,000,000 RSD
- Repayment term
- from 36 to 71 months
- Interest
- fixed
Specijalna ponuda do 30.09.2026. za klijente koji primaju zaradu preko 100.000 RSD na račun u banci; reprezentativni primer na dan 30.06.2026.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
Monthly instalment~ 11,047 RSD
You repay in total ~ 672,652 RSD(of which interest and costs ~ 172,652 RSD)
- Nominal rate
- 11.7%
- Interest
- fixed
Za zaposlene u javnim preduzećima i ustanovama.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
The bank has not published the EIR for this loan — only the nominal rate (no fees included) is shown, so the offer is ranked below all offers with a published EIR.
Monthly instalment~ 10,019 RSD
You repay in total ~ 601,138 RSD(of which interest and costs ~ 101,138 RSD)
- Nominal rate
- 7.5%
- Amount
- from 300,000 to 5,000,000 RSD
- Repayment term
- from 12 to 71 months
- Interest
- fixed
NKS od 7,50% do 10,95% zavisno od iznosa (online od 7,25%); EKS nije objavljen na stranici; bez troškova obrade.
Representative example from the bank's official website, checked on 10/07/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
For the following banks we have not yet collected rates from their official websites, so they are not ranked: Adriatic Bank, API Bank, Bank of China, Mirabank, Srpska banka.
Frequently asked questions about loans
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.
Is the monthly instalment shown final?
No — the instalment is an indicative annuity calculation for the amount and term you entered. The final offer is set by the bank after assessing your creditworthiness, so always confirm the terms with the bank before deciding.
Fixed or variable rate (EURIBOR)?
A fixed rate stays the same for the entire repayment period, so the instalment is predictable. A variable rate is tied to EURIBOR and can go down as well as up — mortgages are usually variable in euros, while cash loans are typically fixed in dinars.