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For regular income recipients without submitting documentation (up to 1.000.000 RSD)

 
 

  • 1. Regular deposits of salary/pension in our Bank in the last 3 months (minimum 20,000 RSD per month),
  • 2. Continuity in the employer's business for a minimum of 12 months

Napomena: obračun kreditne sposobnosti se vrši samo na osnovu iznosa plate/penzije u Mobi Banci. Ukoliko platu/penziju primate u više banaka, savetujemo da podnešenje zahteva za standardnu ponudu Keš kredita sa fiksnom kamatnom stopom.


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I have an account in Mobi Bank

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The collected customer data will be used exclusively for making calls to provide additional information in pre-contractual phase on the terms and conditions of Mobi Banka's cash loan.

 

Need cash?

 

 

Online cash loan up to 600,00 RSD

 
Choose a cash loan up to 600,000 RSD and you can get everything done online, if you already have a current account with Mobi Banka.

 

Cash loan up to 3,500,0000 RSD

 
Choose a cash loan from 600,000.01 RSD up to 3,500,000.00 RSD, apply online, and sign the agreement with only one visit to the bank. Find the nearest Mobi Banka advisor here
 
 

Choose a cash loan of up to 3,500,000 dinars with a repayment period of up to 70 months

No fees for loan application processing, loan maintenance and withdrawal of Credit bureau reports

The installment remains the same throughout the loan repayment period, because our loans have a fixed interest rate

We have a more favorable interest rate for clients who receive their salaries/pensions through Mobi Banka for cash loans up to 1,000,000 RSD

You can submit the documentation online* or at the nearest Yettel shop.

 
*If the attached documents have not originally been issued in electronic form, you will also be required to provide the originals at the Bank's point of sale.

For the cash loan to be disbursed, you need to have a current account with Mobi Banka that does not include a monthly maintenance fee. If you do not already have a current account, you can apply for a loan, and we will open an account for you after the application has been approved.
 
 
 

How do I apply for cash loan

 
 

Use the app to get everything done, in 3 steps:

1.

Apply for an RSD cash loan and submit the necessary documentation online* through the internet app or at Mobi Banka points of sale. Based on the provided personal and financial data, and data on employer, the attached documentation and Credit Bureau report data, the Bank will decide on loan approval and inform you about it by SMS and email.

2.

After the approval, you can accept the offered loan terms in the mobile or internet app.

3.

Conclude the loan agreement online for amount up to 600,000 RSD,  without visiting Bank. You can find more information about entering into distance contracts here. The loan agreement for amount over 600,000 RSD will be concluded at the Bank’s point of sale.

After the agreement has been concluded, the loan will be disbursed and we will inform you about it by SMS and email.

*If the attached documents have not originally been issued in electronic form, you will also be required to provide the originals at the Bank's point of sale.

 

If you do not have a current account opened with us, you can submit a loan application, and we will open your account after the application has been approved.

1.
Visit the Bank's point of sale to get an offer.
2.
Apply for an RSD cash loan and submit the necessary documentation at the point of sale. Based on the provided personal and financial data, and data on employer, the attached documentation and Credit Bureau report data, the Bank will decide on loan approval and inform you about it by SMS and email.
3.
After the approval, visit the Bank's point of sale to open a current account without a monthly fee
4.
After opening the account, you can accept the offered loan terms in the Bank's mobile or internet app.
5.
You will conclude the loan agreement at the Bank's point of sale, at which point you will provide the original documentation.

After the agreement has been concluded, the loan will be disbursed and we will inform you about it by SMS and email.

*If the attached documents have not originally been issued in electronic form, you will also be required to provide the originals at the Bank's point of sale.

 

It is important for you to know

 
 

Terms and conditions for cash loan

Loan amount from 60,000 RSD to 3,500,000 RSD
Period of repayment from 6 to 70 meseci

Interest rate (per annum)

60.000 - 300.000 16,95%
300.001 – 600.000 15,95%
600.001 – 1.000.000 12,95%
1.000.001 - 3.500.000 11,95%
One-off loan application processing fee No fee
Early loan repayment fee No fee
Credit Bureau report withdrawal fee No fee
 
 

Full-time employees

  • Monthly bank statements from the account to which you receive earnings for the last 3 months in PDF format, showing the last three salaries paid in. Typically, you receive the statements via email or can be downloaded through the Internet or mobile banking, or
  • Employment and Employment Receipt issued in electronic form and signed with a digital certificate by the employer, or
  • Electronic delivery certificate received from e Government portal. More information on how to obtain this certificate can be found here.

If the employer does not issue a certificate certified by a digital certificate, you can attach a certificate stamped and signed.

An example of correctly completed Certificate verified with the stamp and signature is presented below.

  • PPDG5/PPDG2R – income tax return certificate for those with income exceeding a defined limit
Employment type and income verification document Electronic delivery certificate


Pensioners


RSD pension


  • The monthly bank account statements from the bank where you have been receiving your pension for the past 3 months in PDF, showing the last three pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
  • Pension checks for the last three months, or
  • Certificate on the amount of pension issued by the RS Pension and Disability Insurance Fund
  • Electronic delivery certificate received from e Government portal. More information on how to obtain this certificate can be found here.


Foreign currency pension


  • A copy of the decision issued by the competent pension fund – the document needs to be translated by a certified court interpreter (for foreign currency pensioners). The translation will not be required for foreign currency pensioners who receive their pension cheques from Croatia, Bosnia and Herzegovina or Montenegro
  • The monthly bank account statements from the bank where you have been receiving your foreign currency pension for the past 6 months in PDF, showing the last six pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking
 
  • Natural persons with residence in the Republic of Serbia (residents)
  • Persons above the age of 18 with an ID card that is valid at the moment when they make their application
  • Full-time employees and pensioners who receive their regular monthly income of at least 20,000 RSD. For part time employees repayment period is determined so that the last installment must be paid at least 2 months before the end of the part-time contract. 
  • Persons employed with companies that have active status
  • Persons who have been employed with their current employer for at least 3 months
 

The client pays the loan off in the equal monthly annuities at the end of every month, following the repayment plan.

The first annuity arrives on the last day of the following month. Annuity payment is made on the last day of month from the users current account.


Early loan repayment


  • The loan user has the right to pay the loan off, wholly or partially, even before the finishing date predefined in the agreement, through the inter transfer from user’s current account to its loan party. The minimum payment amount must be greater than the amount of three annuities.
  • In the case of the early partial repayment, the amount of the monthly annuities will proportionally reduce following the remaining amount of the total debt. 
 

Representative example of using a dinar cash:


Amount Repayment period NIR EIR Amount of the
monthly installment
One-time loan
application
processing fee

Total loan amount

(principal and interest)   



100.000 RSD 24 months 16,95% fixed, annual 16.95%  4.882,55  RSD Without fee 117.181,10 RSD


600.000 RSD 60 months 15,95% fixed, annual 15,95% 14.232,82 RSD Without fee
853.969,25 RSD


1.000.000 RSD 70 months 12,95% fixed, annual 12,95% 20.049,02 RSD Without fee
1.403.431,54 RSD


1200.000 RSD 70 months 11,95% fixed, annual 11,95% 23.503,70 RSD Without fee
1.645.259,29 RSD


Note: The stated effective interest rate applies as of the date the loan repayment schedule was created. The representative example was prepared on January 31, 2024.