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Online cash loan

Get an online cash loan up to 600,000 dinars quickly and easily by submitting a request.

What’s important when you want to get a loan?

Da dobijem kredit što pre
Da mi rata bude fiksna
Želim kredit u sledećem iznosu:
100.000RSD
Zaokruži na (RSD):
10000
I da otplatim u roku od:
12MESECI
Zaokruži na (Mesec):
6

Solve cash for anything today. Without going to a branch.

1.

Select the desired loan amount and repayment period

2.

See the conditions and a representative example of your loan

3.

Submit the request and follow the further steps for identification

4.

If you have been approved for a loan, follow the next steps to open an account online

5

The money will be in your account immediately after opening

A representative example
Representative example for AIK Online Cash loan with earnings transfer:
Type of loanAIK ONLINE CASH LOAN IN RSD WITH AND MANDATORY TRANSFER/PAYROLL ACCOUNT WITH AIK BANKA
Loan amountRSD 600.000,00
Repayment term60 months
Nominal interest rate (NIR), annual13.00%
EFFECTIVE INTEREST RATE (EIR)*14,73%
Monthly instalmentRSD 13.652,00
Loan application handling feeFree of charge
Additional costs to be borne by the borrowerMonthly maintenance RSD 250
Total amount to be paid by the borrower (principal, interest)RSD 836.744,00
*Effective interest rate calculated on 20th February 2024. Representative example for AIK Online Cash loan without transfer of earnings
Type of loanAIK ONLINE CASH LOAN IN RSD WITHOUT TRANSFER/PAYROLL ACCOUNT WITH AIK BANKA
Loan amountRSD 600.000,00
Repayment term60 months
Nominal interest rate (NIR), annual17.75%
EFFECTIVE INTEREST RATE (EIR)*19,22%
Monthly instalmentRSD 15.155,00
Loan application handling feeFree of charge
Additional costs to be borne by the borrowerMonthly maintenance RSD 250
Total amount to be paid by the borrower (principal, interest)RSD 909.275,00
*Effective interest rate calculated on 20th February 2024.
Loan conditions

• Loan amount: 50,000 - 600,000 RSD • Repayment period: 6 - 60 months • Nominal interest rate, mandatory salary receipt 13.00% (annual, fixed) • Nominal interest rate, without mandatory earnings 17.50% (annual, fixed) • No processing fee required • No down payment or deposit • Open package current account* within which an account for electronic banking is activated or is already active • Employment for an indefinite period • Resident of the Republic of Serbia • Optional: Receiving earnings on a package current account * If you are a new client or do not have a package current account, a Start package account will be opened during the process

Required documentation

To implement the process, it is necessary to prepare: • Personal identification document issued by the Republic of Serbia • One document containing your address • Current account statement from the business bank where you receive your earnings in the format in which it arrives at your email address • Confirmation of the amount of income and administrative prohibition from the employer (the form must contain the signature of the competent person and a seal or a statement by the employer that he does not use a seal in his business)

Do you want an amount greater than RSD 600,000 with great conditions?
Solve cash in the branch, under great conditions.
Find out more

Frequently Asked Questions

What is creditworthiness?

Creditworthiness is an assessment of eligibility for loan and your ability to repay principal plus interest within the repayment term defined by the loan agreement.

Am I creditworthy?

The Bank determines your creditworthiness based on the amount and repayment term you’ve applied for and based on your employment information/status, regular monthly earnings, Credit

Can any additional income be included in total earnings, to calculate creditworthiness based on this?

Additional income is included in the calculation of creditworthiness on condition that such income can be properly documented as being regular and also that the same income will be available during loan repayment.

What’s the minimum amount of my monthly earnings which will make me eligible for the loan?

Minimum monthly earnings which make you eligible for the loan are RSD 26,100.

Am I eligible for the loan when I’m on maternity leave?

If you receive your regular monthly earnings in the current account you have with AIK Banka (including maternity leave allowance), the loan may be approved.

Am I eligible for the loan if I have a fixed-term employment contract?

If you have a fixed-term employment contract, your eligibility is dependent upon the expiry of your employment contract.

If I’m not creditworthy for required loan type and amount, but I have a co-borrower, is it possible for me to get a loan?

In case of housing loans, the Bank allows the consolidation of monthly earnings of the borrower and the co-borrower.

Can I get a loan from AIK Banka without having to receive my regular earnings/pension through an AIK Banka payroll/pension account?

You don’t have to keep a payroll/pension account with AIK Bank and you’re still eligible for the cash loan and loans approved against a 100% special purpose term deposit. Conditions for the approval of the loan are more favourable for borrowers with payroll/pension accounts at AIK Banka.

Can I get a loan if I receive pension from abroad?

Loans for pensioners are also approved based on pensions transferred to AIK Banka pension accounts from abroad.

I’m 73. Can I get the loan for pensioners?

Loans for pensioners, with life insurance, may be approved with a repayment term which ends when the borrower turns 75, as requested by the insurance company. Also, pensioners can get loans against a collateral of special purpose deposit.

What do I get by choosing between the fixed and variable interest rate?

The fixed interest rate means that your monthly loan instalment will be the same throughout the repayment period. The floating (variable) interest rate varies based on changes in the variable element of the nominal interest rate – BELIBOR for RSD loans and EURIBOR for EUR indexed loans.

What is the CPI insurance policy?

Credit Protection Insurance (CPI) is insurance in case you’re unable to repay your loan due to unemployment (as a result of redundancy) or accidental death. When an insured situation occurs, the insurance company will repay the Bank the borrower’s debt on his/her behalf, in accordance with terms of the insurance policy. For more information, consult with your bancassurance agent.

What is LTV?

LTV is a ratio between bank loan and estimated market value of property to be pledged, multiplied by 100.

Am I allowed to know why my loan application hasn’t been approved?

If the reason why your loan application has been rejected is the Credit Bureau report, the Bank must inform you about the reason for rejection. In all other cases, the Bank is under no obligation to provide reasons why your loan application was rejected.

What is the nominal interest rate (NIR) and what is the effective interest rate (EIR)?

The nominal interest rate is the rate at which loan interest is accrued, whereas the effective interest rate includes all costs to be paid in addition to interest.

Can I use the refinancing loan to cover debts I have with another bank?

Yes, you can. By getting the refinancing loan, all your debts will be included, whatever bank you may have them with.