Make dreams happen Personal loans
Terms and Conditions for Online Personal Loan
Loan amount 1.000 - 40.000 EUR
An amount greater than 15,000 EUR can be requested by clients with income in RBA and clients in the process of transferring income to RBA
Repayment period 12 - 120 months
Contracting a loan with a repayment period longer than 84 months depends on the client's individual relationship with the bank and the credit risk assessment.
Fixed interest rate 4,50% (EIR 4,59%)
For clients who have the RBA Current Account and mojaRBA mobile banking
Loan processing fee no fee
Calculator for Online Personal Loan
Calculate the monthly repayment for the desired amount of an Online Personal Loan.
How to get an Online Personal Loan in mojaRBA?
Do you have the RBA Current Account?
- I have the account
- I don't have account
Log into the mojaRBA mobile banking
You will find the personal loan in the main menu.
If you are not yet using mojaRBA mobile banking, contract it in just a few steps online. Download the app and follow the instructions for "I want to activate mojaRBA."
Fill in the online application and we will send you the offer
Select the desired amount and repayment period, and verify and, if necessary, update your data before you confirm the application. Submit the application, and you will receive an informative loan offer in several minutes.
With the Online Personal Loan in mojaRBA, you can refinance existing RBA loans. If you choose to refinance and have multiple loans in repayment, you will be able to select which ones you want to refinance in the application.
Accept the offer
To continue with the process, accept the offer and, if requested, upload the necessary documents from the e-Građani (e-Citizens) portal.
Additional documentation that we might request are the e-radna knjižica (eEmployment Record) and the e-JOPPD form, and you can download them from the e-Građani (e-Citizens) portal.
In some cases, for processing the loan application, you will need to submit other documents to the branch. You will receive detailed instructions by email.
Digitally sign the credit documentation
Read the agreement and the accompanying documentation and simply sign it in several clicks.
Electronic signature is a way of digitally signing documents that can replace manual signature. It is safely used for online signing of contracts, and in court proceedings it is valid as proof that a certain person signed a certain document.
The money is ready for disbursement
Loan up to EUR 15.000 – if you chose to receive the cash to your current account, the cash will be in your account in several minutes. As regards disbursement at a branch, you will receive the relevant instructions at the moment of loan realization.
In some cases, we may require security instruments, as is the case when contracting larger loan amounts.
Loan over EUR 15.000 - you will receive the security instruments (promissory note and statement on confiscation of fund with the consent of the debtor) via email, which you need to have notarized and submit to the branch. After that, we will disburse the loan in the way you chose - to your RBA current account or at the branch.
In some cases, loan application processing may require you to come to the branch office.
Set up your mojaRBA app
Download the app and verify your identity via video call. Then activate the app using the activation code you receive to get started.
Video identification is a digital solution for your identification. In a short video call, we will establish your identity and the validity of your personal identification document.
Open a current account in minutes - no branch visit required
Set up your RBA Start&Go package, which includes a current account and mojaRBA mobile banking, directly in the app. The package is free of charge for the first 3 months.
If you decide to close the account after the loan is disbursed, there will be no additional charges and your loan terms remain unchanged.
Apply for a personal loan in the app
Once you account is active, you can immediately submit your loan application in mojaRBA app.
Special personal loan offer until 15.04.2026. You can also request a personal loan at the branch
| Loan amount | 15.000,00 EUR |
| Regular interest rate | 4,50% annual fixed |
| Effective interest rate (EIR) | 4,59% |
| Loan repayment period | 6 years (72 months) |
| Monthly installment | 238,11 EUR |
| Interest rate for the period of loan repayment | 3.143,92 EUR |
| Intercalary interest | 49,93 EUR |
| Loan processing fee | 0,00 EUR |
| Total payment amount | 17.193,85 EUR |
The calculation of a representative example is presented for assuming loan disbursement on 1.2.2026. and intercalary interest payments until 28.2.2026.
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FAQ
Find answers to the most frequently asked questions.
A cash loan is a non-purpose loan, which means that its purpose is not determined in advance, but the loan seeker decides for what purpose he will use the money.
Creditworthiness is determined according to our internal regulations based on your average income and existing debts. Existing debts refer to the amounts of your other financial obligations, such as other loans, approved overdraft limits on current accounts or credit cards, etc. If you cannot raise the desired amount of cash loan on your own, you can have a co-borrower.
Effective interest rate (EIR) is an interest rate that shows the total cost of the loan. In addition to the regular interest rate, the amount of the effective interest rate is also influenced by the amount of fees that the client pays to the bank when approving the loan, the loan repayment period, the amount of any required guarantee deposit, etc. The purpose of the effective interest rate is the possibility of comparing the cost of loans at all banks. It is calculated in accordance with the methodology defined by the act of the Croatian National Bank regulating the EIR, and the method of calculation is unique for all banks. The maximum EIR, depending on the type of loan, is prescribed by the Consumer Lending Act.
As a credit user, you can make an early partial or final repayment of the loan at any time, you just need to submit a written request. You do not pay regular interest for the remaining repayment term on the loan amount that you repay early. For early partial or final repayment of the loan, a fee is charged in accordance with legal regulations, which you can check in the document Fees in lending to citizens.
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Useful documents
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