Loans
Cash loans - rates from all banks, October 2026
We compared 43 offers from 15 banks, taken from the banks' official websites. The lowest annual percentage rate (in dinars, fixed rate) is currently at Poštanska štedionica: APR 7.22%, nominal rate 6.99% (checked 22/10/2026).
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.
You repay in total ~ 593,916 RSD (of which interest and costs ~ 93,916 RSD)
- Nominal rate
- 6.99%
- Amount
- from 50,000 to 4,000,000 RSD
- Repayment term
- from 6 to 71 months
- Interest
- fixed
NKS 6,99% za klijente koji primaju zaradu u Banci (ostali: 12% na 6-12 meseci, 13,10% na 13-71 mesec); bez naknade za obradu zahteva do 30.11.2026; primer 3.000.000 RSD na 71 mesec.
You repay in total ~ 600,563 RSD (of which interest and costs ~ 100,563 RSD)
- Nominal rate
- 7.45%
- Amount
- from 100,000 to 1,000,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Preporuka NBS za primanja do 100.000 RSD, do 31.10.2026, uz prijem ili prenos zarade u banku; bez osiguranja od 7,45% (EKS 7,72%, u procesu prenosa zarade 8,05%); sa osiguranjem od nemogućnosti otplate od 6,95% (EKS 8,10%); primer 1.000.000 RSD.
You repay in total ~ 600,829 RSD (of which interest and costs ~ 100,829 RSD)
- Nominal rate
- 7.45%
- Amount
- to 1,000,000 RSD
- Repayment term
- to 71 months
- Interest
- fixed
Za zaposlene sa redovnim mesečnim primanjima do 100.000 RSD, do 1.000.000 RSD; bez osiguranja; primer 1.000.000 RSD na 71 mesec, EKS obračunat 03.04.2026.
You repay in total ~ 601,228 RSD (of which interest and costs ~ 101,228 RSD)
- Nominal rate
- 7.5%
- Amount
- from 150,000 to 1,200,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Promo 01.06-31.10.2026. za klijente sa prijemom zarade u banci i primanjima do 100.000 RSD; preko 1.200.000 RSD NKS 7,95%; bez naknade za puštanje kredita; primer 600.000 RSD na 60 meseci EKS 7,78%.
You repay in total ~ 601,361 RSD (of which interest and costs ~ 101,361 RSD)
- Nominal rate
- 7.5%
- Amount
- from 30,000 to 4,000,000 RSD
- Repayment term
- to 71 months
- Interest
- fixed
Za zaposlene i penzionere sa primanjima do 100.000 RSD, bez obaveze prenosa zarade/penzije (od 30.000 RSD); uz prenos od 300.000 RSD, EKS 8,10%; važi i za refinansiranje; primer 1.000.000 RSD na 71 mesec, EKS na dan 01.09.2025.
You repay in total ~ 602,160 RSD (of which interest and costs ~ 102,160 RSD)
- Nominal rate
- 7.45%
- Amount
- from 100,000 to 5,000,000 RSD
- Repayment term
- from 12 to 71 months
- Interest
- fixed
Ponuda 21.04-31.10.2026. za nove i postojeće klijente uz prenos dela zarade, važi i za refinansiranje; EKS 7,84% za postojeće klijente, 8,38% za nove (do 1.500.000 RSD; preko 1.500.000 RSD EKS 7,83-8,03%); sa osiguranjem NKS od 6,90%; EKS obračunat 20.04.2026.
You repay in total ~ 602,826 RSD (of which interest and costs ~ 102,826 RSD)
- Nominal rate
- 7.5%
- Amount
- from 80,000 to 4,000,000 RSD
- Repayment term
- from 6 to 70 months
- Interest
- fixed
Za primanja do 100.000 RSD uz prenos zarade (rok tri meseca posle odobrenja); bez provizije za obradu; EKS 7,89% uz otvaranje računa, 7,57% za klijente koji već imaju račun; primer 1.000.000 RSD na 70 meseci (EKS na dan 04.09.2025).
You repay in total ~ 603,625 RSD (of which interest and costs ~ 103,625 RSD)
- Nominal rate
- 7.28%
- Interest
- fixed
Za zaposlene sa primanjima do 100.000 RSD, uz prenos dela zarade do visine rate; važi i za refinansiranje; primer 1.000.000 RSD (za 1.500.000 RSD EKS 7,73%).
You repay in total ~ 606,958 RSD (of which interest and costs ~ 106,958 RSD)
- Nominal rate
- 7.5%
- Amount
- from 200,000 to 5,000,000 RSD
- Repayment term
- from 18 to 71 months
- Interest
- fixed
Odluka NBS za zarade do 100.000 RSD, uz prenos zarade; bez osiguranja; sa CPI osiguranjem od nemogućnosti otplate NKS 7,25% / EKS 9,21%; primer 800.000 RSD na 71 mesec, EKS obračunat 08.04.2026.
You repay in total ~ 612,299 RSD (of which interest and costs ~ 112,299 RSD)
- Nominal rate
- 8.6%
- Amount
- to 3,500,000 RSD
- Repayment term
- to 70 months
- Interest
- fixed
Jedna kamatna stopa za sve iznose (NKS = EKS po objavi banke), ista i za primanja do 100.000 RSD; do 1.200.000 RSD potpuno online; minimalna primanja 20.000 RSD uplaćena u banku poslednja 3 meseca.
You repay in total ~ 613,769 RSD (of which interest and costs ~ 113,769 RSD)
- Nominal rate
- 7.95%
- Amount
- from 120,000 to 5,850,000 RSD
- Repayment term
- from 12 to 71 months
- Interest
- fixed
Specijalna ponuda do 31.10.2026. uz prenos zarade, za klijente koji do sada nisu primali zaradu u banci (od 7,95%); bez prenosa zarade 8,90% samo za 100.000 RSD na 12 meseci i 200.000 RSD na 12/24 meseca; promenljiva 3M BELIBOR + 5,20% (EKS 10,86%); bez naknade za obradu; primer 1.000.000 RSD na 71 mesec za zaradu preko 100.000 RSD.
You repay in total ~ 622,741 RSD (of which interest and costs ~ 122,741 RSD)
- Nominal rate
- 9%
- Amount
- to 4,500,000 RSD
- Repayment term
- to 70 months
- Interest
- fixed
Bez osiguranja otplate (uz prenos zarade NKS 9,00-10,95%); sa osiguranjem NKS od 8,50% / EKS 10,13%; reprezentativni primer na dan 01.10.2026.
You repay in total ~ 634,566 RSD (of which interest and costs ~ 134,566 RSD)
- Nominal rate
- 9.65%
- Amount
- from 300,000 to 1,200,000 RSD
- Repayment term
- to 71 months
- Interest
- fixed
Specijalna ponuda do 30.10.2026. samo putem Intesa Mobi, za zaposlene koji primaju zaradu u banci; za veće iznose zahtev online uz jedan dolazak u ekspozituru; reprezentativni primer 500.000 RSD na 71 mesec na dan 30.09.2026.
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
Cash loans: which bank is the cheapest?
By annual percentage rate (in dinars, fixed rate) the best offers are: Poštanska štedionica, Dugoročni dinarski gotovinski kredit (EKS 7.22%); NLB Banka, Keš kredit (primanja do 100.000 RSD) (EKS 7.72%); ALTA banka, Keš kredit (primanja do 100.000 RSD) (EKS 7.74%). Checked 22/10/2026; the bank sets final terms after assessing creditworthiness.
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.