What documentation is required for the approval of a loan for pensioners?

The basic documents required for the approval of a cash loan for pensioners are: Loan application Copies of the ID cards of all participants in the loan A copy of the most recent pension slip along with the original of the penultimate pension slip or a Pension Notice issued by the bank and/or the pension agreement concluded with the pension insurance company, indicating the pension amount, provided that the pension payment is agreed upon for at least the duration of the loan repayment. Pensioners in the process of transferring regular income to RBA are required to submit a Confirmation of the Pension Amount from another bank or a Confirmation of the Pension Amount from the Croatian Pension Insurance Institute (HZMO). Pensioners receiving foreign (foreign currency) pensions are required to submit a copy of the pension decision.

Loan for pensioners

Fixed interest rate from 5.90% to 6.90%
Without the cost of a public notary
No loan processing fee

Loan conditions

500 - 3,000 EUR

Minimum 900 EUR for clients who receive their pension on a multi-currency current account

13 - 24 months

5.90% - 6.90%*

*the amount of the interest rate depends on the client's individual relationship with the bank and the credit risk assessment

Loan amount	3,000.00 EUR
Regular interest rate	6.50% annual fixed
Effective interest rate (EIR)	6.69%
Loan repayment period	2 years (24 months)
Monthly installment	133.64 EUR
Intercalary interest	15.49 EUR
Interest rate for the period of loan repayment	207.36 EUR
Loan processing fee	0.00 EUR
Total payment amount	3,222.85 EUR

The calculation of a representative example is presented for assuming loan disbursement on 1.6.2026. and intercalary interest payments until 30.6.2026.

FAQ

Find answers to the most frequently asked questions.

At the time of submitting the loan application, the sum of the borrower's age and the loan repayment period cannot exceed 75 years, while the sum of the co-debtor's age and the loan repayment period cannot exceed 65 years.

The basic documents required for the approval of a cash loan for pensioners are:

Loan application
Copies of the ID cards of all participants in the loan
A copy of the most recent pension slip along with the original of the penultimate
pension slip or a Pension Notice issued by the bank and/or the pension agreement concluded with the pension insurance company, indicating the pension amount, provided that the pension payment is agreed upon for at least the duration of the loan repayment.

Pensioners in the process of transferring regular income to RBA are required to submit a Confirmation of the Pension Amount from another bank or a Confirmation of the Pension Amount from the Croatian Pension Insurance Institute (HZMO).

Pensioners receiving foreign (foreign currency) pensions are required to submit a copy of the pension decision.

If you have an RBA current account, you can easily apply for a loan through the mojaRBA mobile banking.

If you prefer to submit your application in a branch, you can do so with a personal banker.

Yes, it is possible to pay off part or all of the loan for pensioners early. To make an early repayment, you need to submit a request for early repayment. Regular interest is not paid on the loan amount that is repaid early for the remaining repayment term.