When you need more
We are here to support you with our cash loans in the amount of up to RSD 5,000,000.
*Income information is retrieved from the E-Platform portal, provided that it contains all the required data.
**The nominal interest rate is defined for clients who have not received their salary into an AikBank current account in the previous 3 months and who will transfer their salary or a portion of their salary, at least in the amount of the monthly loan obligation, to a payment or package account with AikBank.
Representative examples for clients with earnings up to 100,000 RSD
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| Cash loan and loan for ref. with transfer of earnings to a payment account at AikBank |
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.
The offer is valid upon receipt/transfer of salary or part of salary (at least equal to the amount of the monthly loan obligation) to a payment or package account at AikBank. * EKS calculated on September 8, 2025. year. The interest amount represents the sum of the total regular and compound interest. Compound interest is due on September 8, 2025, is equal to the nominal annual interest rate and is charged for the period from the loan disbursement to the start of the calculation of the first loan annuity. Features and conditions of the loan:
Understanding makes a difference: borrowing money costs money. |
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| Cash loan and loan for ref. without transfer of earnings to a payment account at AikBank |
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.
* EKS calculated on September 17, 2025. year. The interest amount represents the sum of the total regular and compound interest. Compound interest is due on October 1, 2025, is equal to the nominal annual interest rate and is charged for the period from the loan disbursement to the start of the calculation of the first loan annuity. Features and conditions of the loan:
Offer valid until 15.09.2026. Understanding makes a difference: borrowing money costs money. |
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Representative examples for clients with earnings over 100,000 RSD
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| Cash loan and referral loan for clients who will transfer their earnings to a payment account at AikBank |
The offer is valid upon receipt/transfer of earnings or part of earnings to a payment or package account at AikBank. * EKS calculated on October 1, 2025. year. The interest amount represents the sum of the total regular and compound interest. Compound interest is due on October 8, 2025, is equal to the nominal annual interest rate and is charged for the period from the loan disbursement to the start of the calculation of the first loan annuity. Understanding makes a difference: borrowing money costs money. |
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| Cash loan and referral loan for clients who receive their earnings on their AikBank payment account |
The offer is valid upon receipt/transfer of earnings or part of earnings to a payment or package account at AikBank. * EKS calculated on October 1, 2025. year. The interest amount represents the sum of the total regular and compound interest. Compound interest is due on October 8, 2025, is equal to the nominal annual interest rate and is charged for the period from the loan disbursement to the start of the calculation of the first loan annuity. Understanding makes a difference: borrowing money costs money. |
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| Cash loan and loan for ref. for clients without transfer of earnings to a payment account at AikBank |
* EKS calculated on June 19, 2025. year. The interest amount represents the sum of the total regular and compound interest. Compound interest is due on July 1, 2025, is equal to the nominal annual interest rate and is charged for the period from the loan disbursement to the start of the first loan installment calculation. Understanding makes a difference: borrowing money costs money. |
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Terms and characteristics of the loan
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| Cash loan and loan for ref. for clients with transfer of earnings to a payment account at AikBank |
*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. |
| Cash loan and loan for ref. for clients without transferring earnings to a payment account at AikBank |
*Income information is downloaded from the E-Platforma portal. The income certificate from the E-Platforma portal is used if it contains all the necessary data. **Loan approval depends on meeting credit conditions ***The maximum loan amount depends on the monthly salary Understanding makes a difference: borrowing money costs money. |
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 all the documentation, the requirements are checked. When all the requirements 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:
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for repayments of less than 1,000,000 RSD in a period of 12 months - no fee;
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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%.
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