Make fulfillment of wishes happen: Personal loans
Terms and Conditions for Online Personal Loan in mojaRBA mobile banking
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: 5,50% (EIR 5,65%)
For clients who have the RBA Current Account and mojaRBA mobile banking
Loan processing fee: no fee
Calculator for Online Personal Loan in mojaRBA mobile banking
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
Check out the offers tailor-made for you and choose a cash loan.
If you do not use the mojaRBA mobile banking, contract it in only several steps online.
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.
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.
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.
Loan over EUR 15.000 - after receiving the security instruments (promissory note and statements of approval for attachment of salary, which you will receive by email), notarized, we will disburse the loan in the way you chose – to your RBA current account or at a branch.
In some cases, loan application processing may require you to come to the branch office.
Download the mojaRBA app and open the current account
You can contract the current account simply, without coming to a branch, in the RBA Start&Go package which includes also the mojaRBA mobile banking. This package is free of charge during the first 3 months from activation, if you contract it via mojaRBA or on the web.
Fill in the online application
Filling in the application for RBA Start&Go package will take you only 15 minutes.
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.
Your RBA Start&Go package is active
Your RBA current account has been opened and you contracted the RBA Start&Go package.
Activate the mojaRBA application
Return to mojaRBA and activate the app by using the activation codes that you received.
Fill in the online loan application
Check out the loan realization process under the tab I have the account.
Calculator for Online Personal Loan on the web
You can also arrange an Online Personal Loan on the web with a fixed interest rate of 6.00% (EIR 6.18%).
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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Useful documents
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