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Refinancing and cash loans

Refinancing loan may be used to pay all obligations out of credit, credit cards, current account and lease, with the option of drawing additional cash. A client status is acquired by simply transferring the account to Direktna Banka, or by opening an account and receiving income, salary or pension, in Direktna Banka.

Credit calculator

Osnovni podaci o kreditu
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Kreditna kalkulacija nakon pretpostavljenih
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Redni broj meseca u kome
se pretpostavlja promena NKS
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Redni broj meseca u kome
se pretpostavlja promena kursa
Srednji kurs dinara -
pretpostavljena vrednost

*Kreditni kalkulator je informativnog karaktera.
Zahtev za kredit možete podneti u Vama najbližoj poslovnici Direktne Banke.
Plan otplate potom možete dobiti od naših kolega u poslovnicama.

*Ovaj kalkulator predstavlja vodič za okvirno izračunavanje efekata pretpostavljene jednokratne pojedinačne i zajedničke promene promenljivog elementa nominalne kamatne stope i kursa dinara u bilo kom periodu otplate, u skladu s tačkom 12b. Odluke o uslovima i načinu obračuna efektivne kamatne stope i izgledu i sadržini obrazaca koji se uručuju klijentu. Moguća su manja odstupanja zbog zaokruživanja.

Kalkulator uticaja pretpostavljene promene nominalne kamatne stope i/ili kursa dinara možete pogledati i na sajtu Narodne banke Srbije.

Apply for a cash loan

It's better when we talk directly.
If you are interested in our offer, please leave your information and we will contact you as soon as possible. Together we will realize the best deal - for you.

Car Loans

Choose a direct way to your new car, with an even better car loan. We offer loans for purchasing new and used cars, on favourable terms of financing. A solution for a dynamic upgrade in lifestyle, along with the offer details, awaits in any of our branch offices.

Used cars loan in Euro
  • NO endorser
  • NO mandatory KASKO insurance
  • NO obligation of income transfer
  • Option of purchase from physical entities
  • Loan is in Euro
  • Loan amount: RSD 250.000,00 to 5.000.000,00
  • Repayment term: 12 to 60 months
  • Yearly fixed nominal interest rate: 12,96%
  • Fee: 2%, one time
  • Down payment: minimum 30% of the sale price for the car
  • Security: administrative ban and bill of exchange
Loan amount EUR 5.000,00
Repayment term* 60 months
Fixed nominal interest rate 12,96%
Monthly dues EUR 100,00
Bill of exchange fee 50,00 RSD
Credit Bureau report fee 246,00 RSD
MONTHLY INSTALMENT EUR 113,66
Effective interest rate** 14,80%
Total payment amount with interest EUR 6.819,60

* At the time of last installment, a car may not be over 120 months old
** Effective interest rate calculated on Aug 9th 2017

Prijavite se za auto kredit

It's better when we talk directly.
If you are interested in our offer, please leave your information and we will contact you as soon as possible. Together we will realize the best deal - for you.

Loans for pensioners

Dignity in old age, with support for plans and an active living. We offer cash and refinancing loans, with free life insurance!

Prijavite se za kredit za penzionere

It's better when we talk directly.
If you are interested in our offer, please leave your information and we will contact you as soon as possible. Together we will realize the best deal - for you.

Medi loans

We have established a partnership with Medigroup general hospital, and its members Jevremova Special gynaecology hospital with nursery and Miloš Clinic - Special Hospital for Ophthalmology. If you are in need of medical attention or service, visit us in the nearest branch office, and we will explain the advantages and benefits of the repayment of medical services, as part of a dinar consumer loan package.

  • The Medigroup general hospital is a secondary healthcare institution, offering services of surgery, internal medicine, gynaecology and obstetrics with nursery, paediatrics, orthopaedics, urology, laboratory and radiology diagnostics.

  • Jevremova Special gynaecology hospital with nursery is the centre for reproductive medicine, which performs extensive examination and treatment of infertility, applying the latest technology in vitro fertilisation and innovative techniques of assisted reproduction.

  • Miloš Clinic is the special hospital for ophthalmology and the centre for refractive surgery. As a leader in implementing the latest methods in eye disorders treatment, it offers professional solutions for cataract surgery, laser dioptre reduction, treatment of cornea, glaucoma, retina, strabismus, oculoplastics and various other ophthalmology related surgeries.

Consumer loans in dinar, in cooperation with with Medigroup general hospital, Jevremova Special gynecology hospital with nursery and Miloš Clinic - Special Hospital for Ophthalmology - fixed interest rate, with transfer of income
  • Loan in dinar, no revaluation
  • Loan amount: RSD 5.000,00 to 2.000.000,00
  • Fixed nominal interest rate: 8%
  • Repayment term: 12 to 36 months
  • Fee: 1% of total loan amount, one time, minimum RSD 2.000,00
  • Security: administrative ban and bill of exchange
  • No initial margin
  • No down payment
  • No endorser
  • Request submitted with ID only
Showcase of consumer loan in dinar in cooperation with MediGroup - fixed interest rate
Loan amount RSD 300.000,00
Repayment term 36 months
Fixed nominal interest rate 8%
Monthly dues RSD 3.000,00
Bill of exchange fee 50,00 RSD
Credit Bureau report fee 246,00 RSD
Monthly current account maintenance fee 180,00 RSD
MONTHLY INSTALMENT RSD 9.400,91
Effective interest rate* 10,20%
Total payment amount with interest RSD 339.899,43

Effective interest rate calculated on Sept 29th 2017

Consumer loans in dinar, in cooperation with with Medigroup general hospital, Jevremova Special gynecology hospital with nursery and Miloš Clinic - Special Hospital for Ophthalmology - fixed interest rate, without transfer of income
  • Loan in dinar, no revaluation
  • Loan amount: RSD 5.000,00 to 2.000.000,00
  • Fixed nominal interest rate: 9%
  • Repayment term: 12 to 36 months
  • Fee: 1% of total loan amount, one time, minimum RSD 2.000,00                                     
  • Security: administrative ban and bill of exchange
  • No initial margin
  • No down payment
  • No endorser
  • No transfer of income
  • Request submitted with ID only
Showcase of consumer loan in dinar in cooperation with MediGroup - fixed interest rate
Loan amount RSD 300.000,00
Repayment term 36 months
Fixed nominal interest rate* 9%
Monthly dues RSD 3.000,00
Bill of exchange fee 50,00 RSD
Credit Bureau report fee 246,00 RSD
MONTHLY INSTALMENT RSD 9.539,92
Effective interest rate** 10,20%
Total payment amount with interest RSD 345.087,12

* Effective interest rate calculated on Sept 29th 2017

Prijavite se za medi kredit

It's better when we talk directly.
If you are interested in our offer, please leave your information and we will contact you as soon as possible. Together we will realize the best deal - for you.

Retail Store Loans

Consumer loans of Direktna Banka are available at our partners’ retail stores. We help you carry out a desired purchase without having to go to the bank. You can submit a request for a loan, without having to open a currency account in our bank, along with your valid ID, and get an answer efficiently and directly, at the store.

WinWin Partners

Fulfil your wishes effortlessly and pursue a comfortable lifestyle while shopping in a relaxed manner with Direktna Banka consumer loans.

Consumer loans in WinWin partners’ retail stores - repayment term 24 months
  • NO down payment
  • NO income transfer
  • NO Credit Bureau Report fee
  • NO endorser
  • Submit request with ID card only
  • Loan is in dinar, no revaluation
  • Loan amount: RSD 8.000,00 to 850.000,00
  • Repayment term: 24 months
  • Fixed nominal interest rate: 0%
  • Fee: 7% of total credit amount (Total fee amount is financed from loan, arranged throughout the repayment term and included in monthly installment)
  • Collateral: administrative ban
Showcase of a consumer loan for 24 months
Loan amount RSD 50.000.00
Repayment term 24 months
Fixed nominal interest rate 0%
Monthly dues RSD 3.500,00
MONTHLY INSTALMENT RSD 2.229,16
Effective interest rate* 6,32%
Total payment amount with interest and fee RSD 53.499,84

* Effective interest rate calculated on Aug 9th 2017

Consumer loans in WinWin partners’ retail stores - repayment term 12 months
  • NO down payment
  • NO income transfer
  • NO Credit Bureau Report fee
  • NO endorser
  • Submit request with ID card only
  • Loan is in dinar, no revaluation
  • Loan amount: RSD 8.000,00 to 850.000,00
  • Repayment term: 12 months
  • Fixed nominal interest rate: 0%
  • Fee: 5% of total credit amount (Total fee amount is financed from loan, arranged throughout the repayment term and included in monthly installment)
  • Collateral: administrative ban
Showcase of a consumer loan for 12 months
Loan amount RSD 30.000,00
Repayment term 12 months
Fixed nominal interest rate 0%
Monthly dues RSD 1.500,00
MONTHLY INSTALMENT RSD 2.625,00
Effective interest rate* 8,31%
Total payment amount with interest and fee RSD 31.500,00

* Effective interest rate calculated on Aug 9th 2017

Car loans at our partners’ retail stores

Choose a direct way to a new car, with an even better car loan. We offer loans for new or used cars, under favourable conditions. A solution for improving your lifestyle, along with detailed offers, await at our partners' dealerships.

New cars loan in Euro with up to 36 months repayment term
  • NO mandatory KASKO insurance
  • NO obligation of income transfer
  • NO endorser
  • Loan is in Euro
  • Loan amount: RSD 250.000,00 to 5.000.000,00
  • Repayment term: 12 to 36 months
  • Yearly fixed nominal interest rate: 5,88%
  • Fee: 2.5% of the loan amount (total fee financed from the loan, arranged throughout the repayment term and included in the monthly installment)
  • Down payment: minimum 30% of the sale price for the car
  • Security: administrative ban and bill of exchange
Showcase of a car loan for new cars with 36 months repayment term
Loan amount EUR 5.000,00
Repayment term 36 months
Variable nominal interest rate 5,88%
Monthly dues EUR 125,00
Bill of exchange fee 50,00 RSD
Credit Bureau report fee 246,00 RSD
MONTHLY INSTALMENT EUR 155,64
Effective interest rate* 7,87%
Total payment amount with interest and fee 5.605,49

Effective interest rate calculated on Jan 3rd 2018

Used cars loan in Euro
  • NO endorser
  • NO mandatory KASKO insurance
  • NO obligation of income transfer
  • Option of purchase from physical entities
  • Loan is in Euro
  • Loan amount: RSD 250.000,00 to 5.000.000,00
  • Repayment term: 12 to 60 months
  • Yearly fixed nominal interest rate: 12,96%
  • Fee: 2% of the loan amount (total fee financed from the loan, arranged throughout the repayment term and included in the monthly installment)
  • Down payment: minimum 30% of the sale price for the car
  • Security: administrative ban and bill of exchange
Showcase of a used cars loan in EUR
Loan amount EUR 5.000,00
Repayment term* 60 months
Variable nominal interest rate 12,96%
Monthly dues EUR 100,00
Bill of exchange fee 50,00 RSD
Credit Bureau report fee 246,00 RSD
MONTHLY INSTALMENT 113,66%
Effective interest rate** 14,80%
Total payment amount with interest and fee EUR 6.819,60

* At the time of last instalment, a car may not be over 120 months old
** Effective interest rate calculated on Aug 9th 2017

Special Car
Loan Offers

Loans for motorcycles and scooters in cooperation with P.G.S. Motor

Directly to your new motorcycle and scooter, with our direct support and realization of a loan request in any of our partner’s stores, P.G.S. Motori.