Make fulfillment of wishes happen: Personal loans
Online personal loan conditions
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: 5,00% (EIR 5,12%)
Loan processing fee: no fee
Online personal loan calculator
How to get an online personal loan?
- up to 15.000 EUR
- from 15.001 to 40.000 EUR
Fill out the online request and we'll send you an offer
Select the loan amount and repayment period and fill in your information. You will complete the request faster if you prepare OIB of the employer, the number of your personal document and the average of your salary for the last 3 months. Before confirming the request, check and correct your information if necessary. Submit an application and in a few minutes you will receive an informative loan offer.
Accept the offer
To continue the process, accept the offer and, if needed, upload the necessary documents from the e-Citizens portal.
Additional documentation that we can ask for is the e-work book and the e-JOPPD form, and you can download them from the e-Citizens portal.
Identify yourself with a video call
Prepare your ID card and follow the instructions for video identification.
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.
Digitally sign credit documentation
Read the contract and accompanying documentation and simply sign in a few 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 payment
If you chose payment to a current account, the money is in your account within a few minutes. For payment at the branch, you will receive instructions during the realization of the loan.
If you have an RBA current account and mojaRBA mobile banking, you can request a loan in the mojaRBA application, without video identification and with a maximum repayment period of up to 84 months.
Fill out the online request and we'll send you an offer
Select the loan amount and repayment period and fill in your information. You will complete the request faster if you prepare OIB of the employer, the number of your personal document and the average of your salary for the last 3 months. Before confirming the request, check and correct your information if necessary. Submit an application and in a few minutes you will receive an informative loan offer.
Accept the offer
To continue the process, accept the offer and, if needed, upload the necessary documents from the e-Citizens portal.
Additional documentation that we can ask for is the e-work book and the e-JOPPD form, and you can download them from the e-Citizens portal.
Identify yourself with a video call
Prepare your ID card and follow the instructions for video identification.
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.
Digitally sign credit documentation
Read the contract and accompanying documentation and simply sign in a few 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.
Submit certified insurance instruments
You will receive a promissory note and a declaration of seizure by email with the consent of the debtor, which you sign and certify with a notary public. Deliver certified insurance instruments to the nearest branch.
The money is ready for payment
Upon receipt of certified collateral, we will pay out the loan in the chosen way - to your RBA current account or in the branch.
In some cases, it may be necessary to come to the branch office to process the request.
Check the offer of other personal loans: You can also request a personal loan at the branch
*The amount of the interest rate depends on the client's individual relationship with the bank and the credit risk assessment.
| Loan amount | 15.000,00 EUR |
| Regular interest rate | 6,50% annual fixed |
| Effective interest rate (EIR) | 6,70% |
| Loan repayment period | 6 years (72 months) |
| Monthly installment | 252,15 EUR |
| Interest rate for the period of loan repayment | 3.154,80 EUR |
| Intercalary interest | 77,25 EUR |
| Loan processing fee | 0,00 EUR |
| Total payment amount | 18.232,05 EUR |
The calculation of a representative example is presented for assuming loan disbursement on 1.9.2024. and intercalary interest payments until 30.9.2024.
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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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