Cash loan in an hour

Up to 5,000,000 dinars with a fixed interest rate of 8.45% (EIR of 10.15%).

When you need more

We are here to support you with our cash loans in the amount of up to RSD 5,000,000.

Always the same rate

Fixed interest rate from 8.45% (EIR from 10.15%)*

Without submitting documentation

With your consent, we obtain the necessary documentation.**

Insurance against the inability to repay the loan

Additional protection in case of unforeseen situations.

^{*The amount of the nominal interest rate depends on the selected loan offer, whether it is with insurance against the inability to repay the loan or without insurance against the inability to repay the loan.}

^{**Income information is retrieved from the E-Platform portal, provided that it contains all the required data.}

Cash loan calculator

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Whether you are planning to renovate your apartment, buy a car, travel, or want additional financial security, a cash loan gives you the flexibility to achieve your plans when you need it most.

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A representative example of a cash loan for clients with the transfer of earnings to a payment account in AikBank - earnings up to RSD 100,000

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A representative example for clients with earnings up to RSD 100,000 - with included insurance against the inability to repay the loan

In accordance with the NBS Decision, AikBank has prepared a customized offer of cash and refinancing loans for employees at reduced interest rates for clients with incomes up to RSD 100,000.

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Type of loan	Cash loan in RSD with a fixed interest rate
Loan amount in RSD	800,000.00
Loan currency	Dinar loan
Loan indexing method	No indexing criteria
Nominal annual interest rate (NKS, fixed)	7,25%
The effective interest rate means the total cost of the loan (EIR)*	9,21%
Repayment period in months	71 months
Monthly annuity in RSD (monthly installments), total number of installments 71	13,890.01
Credit application processing fee (one-off)	There is no charge
All costs/fees that are borne by the user and are included in the EKS calculation	Bill - 50 RSD Credit bureau report - 246 RSD Confirmation from the ePlatform - 300 RSD CPI insurance - RSD 25,741 Maintenance fee for Start payment account with basic services - 150 RSD
Means of security	Bill of exchange, CPI insurance
Total price of the loan in RSD (amount of interest, fees and costs)	224,305.32
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs)	1,024,305.32

The offer is valid with the transfer of earnings/part of earnings to AikBank payment account.

*EIR calculated on April 8, 2026. year. The amount of interest represents the sum of the total regular and intercalary interest. Intercalary interest is due on April 15, 2026. year, is equal to the nominal annual interest rate and is charged for the period from the release of the loan to the exchange rate until the start of the first annuity on the loan.

Understanding makes a difference: Borrowing money costs money.

Cash credit and credit for ref. with a fixed interest rate without insurance

In accordance with the NBS Decision, AikBank has prepared a customized offer of cash and refinancing loans for employees at reduced interest rates for clients with incomes up to RSD 100,000.

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Type of loan	Cash loan in RSD with a fixed interest rate
Loan amount in RSD	800,000.00
Loan currency	Dinary credit
Loan indexing method	No indexing criteria
Nominal annual interest rate (NKS, fixed)	7,50%
The effective interest rate means the total cost of the loan (EIR)*	8,20%
Repayment period in months	71 months
Monthly annuity in RSD (monthly installments), total number of installments 71	13,986.50
Credit application processing fee (one-off)	There is no charge
All costs/fees that are borne by the user and are included in the EIR calculation	Bill - 50 RSD Credit bureau report - 246 RSD Monthly maintenance of the Start payment account - 150 RSD Confirmation from the ePlatform - 300 RSD
Means of security	Bill of exchange
Total price of the loan in RSD (amount of interest, fees and costs)	205,454.35
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs)	1,005,454.35

The offer is valid with the transfer of earnings/part of earnings to AikBank payment account.

Understanding makes a difference: Borrowing money costs money.

A representative example of a cash loan for clients with the transfer of earnings to a payment account in AikBank - earnings over RSD 100,000

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Cash credit and credit for ref. with a fixed interest rate with CPI insurance included

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Type of loan	Cash loan in RSD with a fixed interest rate
Loan amount in RSD	800,000.00
Loan currency	Dinary credit
Loan indexing method	No indexing criteria
Nominal annual interest rate (NKS, fixed)	8.45%
The effective interest rate means the total cost of the loan (EIR)*	10.53%
Repayment period in months	71 mesec
Monthly annuity in RSD (monthly installments), total number of installments 71	14.356,82
Credit application processing fee (one-off)	There is no charge
All costs/fees that are borne by the user and are included in the EIR calculation	Bill - 50 RSD Credit bureau report - 246 RSD Monthly maintenance Start payment account with other services - 150 RSD Confirmation from the ePlatform - 300 RSD CPI insurance - RSD 25,741
Means of security	Bill of exchange, Insurance CPI
Total price of the loan in RSD (amount of interest, fees and costs)	257,635.30
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs)	1,057,635.30

The offer is valid with the transfer of earnings/part of earnings to AikBank payment account.
*EIR calculated on April 8, 2026. The amount of interest represents the sum of the total regular and intercalary interest. Intercalary interest is due on April 15, 2026, is equal to the nominal annual interest rate and is charged for the period from the release of the loan to the exchange rate until the start of the first annuity on the loan.

Understanding makes a difference: Borrowing money costs money.

Cash credit and credit for ref. with a fixed interest rate without insurance

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Type of loan	Cash loan in RSD with a fixed interest rate
Loan amount in RSD	800,000.00
Loan currency	Dinary credit
Loan indexing method	No indexing criteria
Nominal annual interest rate (NKS, fixed)	9.45%
The effective interest rate means the total cost of the loan (EIR)*	10.30%
Repayment period in months	71 months
Monthly annuity in RSD (monthly installments), total number of installments 71	14,752.80
Credit application processing fee (one-off)	There is no charge
All costs/fees borne by the user and included in the calculation of EIR	Bill - 50 RSD Credit bureau report - 246 RSD Confirmation from the ePlatform - 300 RSD Maintenance fee for Start payment account with basic services - 150 RSD
Means of security	Bill of exchange
Total price of the loan in RSD (amount of interest, fees and costs)	260,165.19
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs)	1,060,165.19

The offer is valid with the transfer of earnings/part of earnings to AikBank payment account.

*EIR calculated on April 8, 2026. The amount of interest represents the sum of the total regular and intercalary interest. Intercalary interest is due on April 15, 2026, is equal to the nominal annual interest rate and is charged for the period from the release of the loan to the exchange rate until the start of the first annuity on the loan.

Understanding makes a difference: Borrowing money costs money.

Terms and features of a cash loan with the transfer of earnings to a payment account in AikBank

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Cash loan and loan for ref. for clients with transfer of earnings to a payment account at AikBank

Loan amount: 200,000 - 5,000,000 RSD*
Repayment period: 18 - 71 months
Nominal interest rate: from 8.45% (annual, fixed)
There is no fee for loan processing
Open a package account and receive/transfer your salary or part of your salary (at least the amount of the monthly loan obligation) to a payment or package account at AikBank.
Permanent employment**
Resident of the Republic of Serbia

*The maximum loan amount depends on the monthly salary

**Minimum 6 months of work experience, of which at least 3 months with the current employer

Understanding makes a difference: borrowing money costs money.

Insurance against the inability to repay the loan

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Covered risks	Insurance against the inability to repay the loan, depending on the selected package, means personal insurance in case of inability to repay the loan due to: Accidental deaths Permanent disability over 50% due to an accident Loss of employment (Unemployment) Temporary incapacity for work (Sick leave) due to an accident Temporary incapacity for work (Sickness) due to illness With a loan with an insurance policy against the inability to repay the loan in accordance with the terms of the insurance, partial or full coverage of the loan obligations is provided in case of job loss, accident or prolonged illness. The insurance policy is contracted for the entire loan repayment period, while in the case of early repayment of the loan, you have the option of returning the paid funds in proportion to the amount of the loan that was repaid early.
Insurance beneficiaries	Employed persons, beneficiaries of newly approved cash and refinancing loans Persons residing and working in the Republic of Serbia, as well as persons whose employer is registered in the Republic of Serbia, including representative offices of foreign companies in the Republic of Serbia. The insurance is not intended for self-employed persons, company owners, nor their family members.
Coverage with CPI loan insurance	In the event of death and permanent disability over 50% as a result of an accident, the insurance covers the rest of the outstanding loan principal. In case of job loss or sickness (due to illness or accident), and in accordance with the Insurance Terms and Conditions, the insurance covers a maximum of 6 annuities per one insured event, i.e. a maximum of 3 insured events during loan repayment.
Criteria for the amount of the insurance premium	Insurance premium You can arrange an insurance policy in branches with insurance agents. The premium is paid once upon realization of the loan. Height depends on: Selected insurance coverage Amounts of insured sums (loan amounts) as the maximum liability of the insurer Insurance duration (loan repayment period)

Offer for clients without receiving earnings to their payment account in AikBank

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A representative example of a cash loan for clients without receiving earnings to a payment account in AikBank

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Type of loan	Loan for refinancing in RSD with a fixed interest rate
Loan amount in RSD	800,000
Loan currency	Dinar loan
Loan indexing method	No indexing criteria
Nominal annual interest rate (NKS, fixed)	10.95%
The effective interest rate means the total cost of the loan (EIR)*	12.36%
Repayment term in months	71 months
Monthly annuity in RSD (monthly installments), total number of installments 71	15,358.58
Credit application processing fee (one-off)	1%
All costs/fees borne by the user and included in the calculation of EIR	Bill - 50 RSD Credit bureau report - 246 RSD Maintenance fee for Start payment account with basic services - 150 RSD Confirmation from ePlaforma - 300 RSD Credit request processing fee - RSD 8,000.00
Means of security	Bill of exchange
Total price of the loan in RSD (amount of interest, fees and costs)	312,381.83
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs)	1,112,381.83

The offer is valid with the transfer of earnings/part of earnings to AikBank payment account.

*EIR calculated on May 4, 2026. The amount of interest represents the sum of the total regular and intercalary interest. Intercalary interest is due on May 15, 2026, is equal to the nominal annual interest rate and is charged for the period from the release of the loan to the exchange rate until the start of the first annuity on the loan.

Understanding makes a difference: Borrowing money costs money.

Features of a cash loan without receiving earnings to a payment account in AikBank

Maximum loan amount up to RSD 4,000,000
Maximum repayment period up to 71 months
Nominal interest rate 10.95% (annual, fixed)
Credit application processing fee 1%
Permanent employment Resident of the Republic of Serbia

Frequently asked questions

Who can apply for a cash loan?

In order to apply for a cash loan, you need to be a citizen of the Republic of Serbia, be over 20 years old, have good credit and be employed for an indefinite period of time for at least 6 months, or 3 months with your current employer.

What is creditworthiness and am I creditworthy?

Creditworthiness shows whether you can get a loan and whether you are able to repay it regularly within the agreed period. The bank assesses your creditworthiness in relation to the amount and repayment period you are requesting, based on your employment, monthly income, data from the Credit Bureau and the basic documentation you submit with your loan application.

What is the maximum amount I can receive?

AikBank offers cash loans ranging from 200,000 to 5,000,000 dinars, and the maximum loan amount a client can receive depends on their creditworthiness.

What is the repayment period?

You can repay the cash loan within 18 to 71 months.

How fast can I get the money?

After submitting the loan application, the conditions are checked. When all conditions are met, the money can be in your account within an hour of approval.

What documentation is required for a cash loan?

AikBank, with your consent, obtains all necessary documentation from the E-Platforma portal. You come to the branch only with a valid ID card.

What if I need refinancing?

If you want to refinance a loan at AikBank or another bank, you can use this cash loan. The conditions for refinancing are the same as for taking out a cash loan.

What if I want to reschedule my debt?

Visit us at the nearest AIkBank branch to find a reprogramming model that suits your capabilities.

What are the conditions for early loan repayment?

The borrower may repay the loan early, in whole or in part, at any time. The following conditions apply:

for repayments of less than 1,000,000 RSD in a period of 12 months - no fee;
for repayments exceeding 1,000,000 RSD in a period of 12 months:
- if more than one year is left - 1%,
- if less than a year is left - 0.5%.