Consumer loan

Consumer loan condition in RSD, with fixed and variable interest rate 

• Type of loan: consumer loan
• Loan currency: RSD
• Criteria for indexing: none
• Loan amount: from 200.000 up to 5.850.000 RSD  
• Participation : None
• Repayment period: 12 - 71 month

Interest rate for consumer loans in RSD:
 

Consumer loan condition in EUR, with fixed and variable interest rate 

• Type of loan: consumer loan
• Loan currency: EUR
• Criteria for indexing:  indexed
• Loan amount: from 1.800 up to 50.000,00 EUR   
• Participation: 30%
• Repayment period: 12 - 71 month
• Credit application processing fee: 1,99%

Interest rates for Consumer loans in EUR:
 

• Collateral:
  - for loan amounts up to RSD 1,200,000 no promissory notes and an administrative ban are required
  - for loans from RSD 1,200,001 to RSD 3.500.000 promissory notes and an administrative ban are required;
  - for loans from RSD 3,500,001 promissory notes, an administrative ban and the borrower's ownership of property (without registering a mortgage) are required
• Additional costs: Bill of exchange 50 RSD, Credit Bureau Report 246 RSD, The cost of the pledge of the vehicle in question 26.060 RSD, Maintenance cost Basic account package 150 RSD
• No cost of loan maintaining
• Payment in accordance with the loan agreement.
• All examples are given with the transfer of earnings to the account held with ProCredit Bank and with the use of the Basic package account.
  For a representative example, the value of 6m Euribor 2.063% (as of June 1, 2025).
• The adjustment to the six-month EURIBOR is carried out semi-annually, using the rates published for 1 December and 1 June, or for the first following business day if it falls on a non-business day. The new six-month EURIBOR thus determined is applied when calculating annuities due in the following six months, in relation to the months of December and June. The Bank shall provide the Clients with a Notice of Adjustment in accordance with this paragraph, with the new repayment schedule.
• For new loan disbursements, the newly established reference interest rate, as stated in the previous paragraph, shall apply starting from disbursements on December 6th and ending with disbursements on June 5th, namely the interest rate published for December 1st, or starting from disbursements on June 6th and ending with disbursements on December 5th, namely the interest rate published for June 1st.
  The above conditions are for informational purposes only.
• The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

Consumer loan example with variable interest rate 

Consumer Loan example - 50,000 EUR

• Type of loan: Consumer loan
• Loan currency: EUR
• Purchase price amount: 71,429 EUR
• Loan amount: 50,000 EUR
• Participation: 30%
• Participation amount: 21,429 EUR
• Repayment period: 71 months
• NIR (annual, variable): 3,00% + 6m Euribor
• Value of 6m Euribor used in example: 2.06%
• EIR: 6,06%
• Monthly instalment: 818,16 EUR
• Total loan amount to be repaid by the beneficiary after 71 months: 58.086,42 EUR
   

Minimal salary: 36,000 RSD

You can calculate an example of the loan amount you want using our loan calculator

Additional costs:

• Account management (monthly) : 150 RSD
• Bills of exchange (one-time) : 100 RSD
• Total cost of fees (one-time) : 1.99%

Collateral:
 

• for loan amounts up to RSD 1,200,000 no promissory notes and an administrative ban are required
   
• for loans from RSD 1,200,001 to RSD 3.500.000 promissory notes and an administrative ban are required;
   
• for loans from RSD 3,500,001 promissory notes, an administrative ban and the borrower's ownership of property (without registering a mortgage) are required

Additional costs: Bill of exchange 50 RSD, Credit Bureau Report 246 RSD, The cost of the pledge of the vehicle in question 26.060 RSD, Maintenance cost Basic account package 150 RSD

No cost of loan maintaining

Payment in accordance with the loan agreement.

All examples are given with the transfer of earnings to the account held with ProCredit Bank and with the use of the Basic package account.

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

Loan example with fixed interest rate
 

Consumer Loan example 10.365 EUR

• Type of loan: Consumer loan
• Loan currency: EUR
• Purchase price amount:14,808 EUR
• Loan amount: 10,365 EUR
• Participation: 30%
• Participation amount: 4,443 EUR
• Repayment period:  71 months
• NIR (annual, fixed): 6,30%
• EIR: 7,63%
• Monthly instalment: 175,73 EUR

• Total loan amount to be repaid by the beneficiary after 71 months: 12.476,90 EUR

   

• Minimal salary: 36,000 RSD

You can calculate an example of the loan amount you want using our loan calculator

Additional costs:

• Account management (monthly) : 150 RSD
• Bills of exchange (one-time) : 100 RSD
• Total cost of fees (one-time) : 1.99%

Collateral:
 

• for loan amounts up to RSD 1,200,000 no promissory notes and an administrative ban are required
   
• for loans from RSD 1,200,001 to RSD 3.500.000 promissory notes and an administrative ban are required;
   
• for loans from RSD 3,500,001 promissory notes, an administrative ban and the borrower's ownership of property (without registering a mortgage) are required

Additional costs: Bill of exchange 50 RSD, Credit Bureau Report 246 RSD, The cost of the pledge of the vehicle in question 26.060 RSD, Maintenance cost Basic account package 150 RSD

No cost of loan maintaining

Payment in accordance with the loan agreement.

All examples are given with the transfer of earnings to the account held with ProCredit Bank and with the use of the Basic package account.

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

Vrsta kredita: Potrošački kredit

Uslovi:

• Kamatna stopa: 7,50 %
• Ročnost: 12 - 71 mesec
• Valuta: RSD
• Iznos: 120.000 - 1.000.000 RSD
• Prenos primanja: Da, minimum u iznosu ukupnih mesečnih obaveza po kreditima kod Banke
• Sredstva obezbeđenja: nema

Reprezentativni primer:

• Iznos kredita: 1.000.000 RSD
• Valuta kredita: RSD
• Kriterijum za indeksiranje: nema
• Učešće: nema
• Period otplate: 71 meseci
• NKS (godišnja, fiksna): 7,50%
• EKS:  8,21 %
• Naknada za obradu kredita 0,00%
• Mesečna rata: 17.732,24 RSD
• Ukupan iznos kredita koji će korisnik vratiti nakon 71 meseca: 1.241.263,83 RSD
• Sredstva obezbeđenja: nema 

Ponuda važi od 15.09.2025. do 15.09.2026. godine.

For consumer loans up to RSD 1,200,000 / EUR 10,000

• Calculated installments and completed online loan application
• Consent for the Credit Bureau (submit as part of the online application)
• Bank account statement for the previous 6 months
• Supplier invoice
  
   

For consumer loans over RSD 1,200,000 / EUR 10,000

• Calculated installments and completed online loan application
• Consent for the Credit Bureau (submit as part of the online application)
• Bank account statement for the previous 6 months
• Calculation lists - previous 3 incomes (if any are missing, submit the Certificate of the amount of income from the employer)
• Administrative ban
• Supplier invoice

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

A consumer loan is a loan that is taken for a specific purpose, and can only be used for that purpose.

The purpose of the loan can be diverse, from furnishing an apartment, to school fees, buying kitchen appliances, paying for medical services, etc.

Unlike a cash loan (non-purpose loan), where the money from the loan is deposited into your account, with a dedicated consumer loan, the money from the loan is deposited into the seller's account. Therefore, before applying for a loan, it is necessary to get a pro-invoice from the seller, which contains instructions to the bank for payment to the seller's account.

A cash loan is approved in cash and is paid to your checking account. You are free to use the money for any purpose.

Unlike cash loans, consumer loans are intended for the purchase of certain goods or services, that is, they always have their own purpose and cannot be used for other purposes. They are paid according to the pro-invoice issued by the seller, to the seller's account.

The documentation required for the approval of these loans is the same, except that for consumer loans it is necessary to obtain the pro-invoice of the supplier before applying for the loan.

*The Bank reserves the discretion to request additional documentation from the client based on the credit risk assessment