Loans
Car loans - rates from all banks, October 2026
We compared 1 offer from 1 bank, taken from the banks' official websites.
This information is for guidance only. Always verify final interest rates and terms on the bank's official website.
Your loan
Loan type
We only show loans that cover this amount.
Interest rate
Who is borrowing
Monthly income
Most banks offer special, lower rates for income up to 100,000 RSD (NBS recommendation).
Bank ranking
— ranked by effective interest rate (EIR)Representative example from the bank's official website, checked on 22/10/2026. 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.
You repay in total ~ 12,223 EUR (of which interest and costs ~ 2,223 EUR)
- Nominal rate
- 5.88%
- Amount
- from 500 to 15,000 EUR
- Repayment term
- from 13 to 84 months
- Interest
- fixed
Indeksiran u evrima; naknada za obradu 2,95%; preko 15.000 EUR uz kasko; EKS nije objavljen na stranici.
For the following banks we have not yet collected rates from their official websites, so they are not ranked: Adriatic 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.
Why is the rate lower for income up to 100,000 RSD?
Following a recommendation of the National Bank of Serbia, most banks have a special offer of cash and refinancing loans for clients with monthly income up to 100,000 RSD, with a lower rate and usually a lower maximum amount. Choose your income in the calculator to see the offers that actually apply to you.
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.