Loans
Loan refinancing - rates from all banks, October 2026
We compared 6 offers from 4 banks, taken from the banks' official websites. The lowest annual percentage rate (in dinars, fixed rate) is currently at NLB Banka: APR 7.72%, nominal rate 7.45% (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 ~ 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; bez osiguranja od 7,45%; sa osiguranjem od 6,95% (EKS 8,10%); primer 1.000.000 RSD.
You repay in total ~ 609,227 RSD (of which interest and costs ~ 109,227 RSD)
- Nominal rate
- 7.95%
- Repayment term
- to 71 months
- Interest
- fixed
Specijalna ponuda do 30.10.2026. za zaposlene sa primanjima do 100.000 RSD koji primaju ili prenesu zaradu u banku; minimalna zarada 150 EUR u dinarima.
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
Fiksna 8,60% (NKS = EKS po objavi banke) za refinansiranje obaveza uz dodatni keš; za primanja do 100.000 RSD isti uslovi.
You repay in total ~ 615,107 RSD (of which interest and costs ~ 115,107 RSD)
- Nominal rate
- 8.45%
- Amount
- from 150,000 to 1,200,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Promo 01.10-31.10.2026. uz prenos primanja u banku, za iznose do 1.200.000 RSD; primer 600.000 RSD na 60 meseci (EKS obračunat 29.06.2026.).
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
Loan refinancing: which bank is the cheapest?
By annual percentage rate (in dinars, fixed rate) the best offers are: NLB Banka, Kredit za refinansiranje (primanja do 100.000 RSD) (EKS 7.72%); Banca Intesa, Kredit za refinansiranje uz dodatni keš (EKS 8.37%); Yettel Bank, FIKS kredit za refinansiranje (EKS 8.6%). 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.