Updated September 28, 2026 · BorrowCue Editorial Team
ASA Banka vs Brigit
Where ASA Banka and Brigit differ
| Compare |  ASA Banka |  Brigit |
|---|---|---|
| APR | 8.31% | 0%Lower |
| Loan amount | up to BAM 50,000 | $25 to $500 |
| Lender type | Direct lender | Broker |
| Eligibility | Accounts for adult citizens of Bosnia and Herzegovina; loan applicants need regular monthly income, and fixed-term employees must have at least 12 months with the same employer | US residents 18 years or older; checking account active 60+ days, balance above $0, at least three recurring deposits from the same source |
| Loan types | Personal, Cash advance, Debt consolidation, Credit line, Secured, Student | Payday, Cash advance |
| Term | up to 120 months | Not confirmed |
| Arrangement fee | Not confirmed | 0 (no origination fee; optional Express Delivery fee applies for Plus members) |
| Credit check | Not confirmed | None |
| Funding time | Not confirmed | Standard delivery 1-3 business days free; Express Delivery within 20 minutes for a fee (free on Premium) |
| Representative example | Long-term unsecured personal loan of 50,000.00 KM over 36 months, effective annual rate (EKS) 8.31% including related costs and fees | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
Same on both: Rate type (Fixed).
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Key differences
- ASA Banka scores higher overall: 9.1 vs 8.8.
- Founded is lower at ASA Banka: 1957 vs 2017.
- APR is lower at Brigit: 0% vs 8.31%.
- Support channels: only Brigit offers Email.
- Loan types: only ASA Banka offers Personal, Debt consolidation, Credit line.
- Loan types: only Brigit offers Payday.
Our verdict on each
ASA Banka
ASA Banka suits borrowers in Bosnia and Herzegovina who want a fixed rate they can plan around, with unsecured personal loans at 8.31% and a long repayment window. Adults with regular monthly income, including fixed-term employees, can apply, and the lender also offers a free arrangement fee on its mortgage range.
Brigit
Brigit suits US adults with poor credit and a bank account that already shows incoming deposits, and borrowing costs nothing: the annual rate is 0% and the arrangement fee is free. Money can arrive the same day, but sums are small at $25 to $500.
Score breakdown
| Area | ASA Banka | Brigit |
|---|---|---|
| Cost | 9.1Unsecured personal loans at 8.31% sit under the site median of 12%, and the home range charges BAM 0. | 9.5HigherThe rate is 0%, the arrangement fee is free, and early repayment is free; the only charge is paid Express Delivery on Plus. |
| Offer | 8.5 | 8.7Higher |
| Trust | 9.5Higher | 8.3 |
Side by side, item by item
| Loan types | ASA Banka | Brigit |
|---|---|---|
| Personal | Yes | No |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Secured | Yes | No |
| Student | Yes | No |
| Cash advance | Yes | Yes |
Licences and countries
| Country | ASA Banka | Brigit |
|---|---|---|
| United States | Not confirmed | NMLS (US) 2429907 California Department of Financial Protection and Innovation (Income-Based Advance Provider, CCFPL registration) 04-CCFPL-2429907-3473890 |
Additional countries for ASA Banka: 1. Additional countries for Brigit: 1.
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 8.31% for ASA Banka and 0% for Brigit.
FINANZCHECK.de reviewSources behind this comparison
ASA Banka
- asabanka.ba: 13 facts, checked September 26, 2026
Brigit
- hellobrigit.com: 14 facts, checked September 26, 2026
- help.hellobrigit.com: 2 facts, checked September 26, 2026
How they place
| Ranking | ASA Banka | Brigit |
|---|---|---|
| Cash advance apps | 12 of 53 | 3 of 53 |
Every fact side by side
| Fact | ASA Banka | Brigit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | ASA Banka d.d. Sarajevo | Bridge It, Inc. |
| Headquarters | Bosnia and Herzegovina | United States |
| Founded | 1957Lower | 2017 |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | ASA Banka | Brigit |
|---|---|---|
| Initial rate | 3.29% | Not confirmed |
| APRC | 3.78% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | BAM 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | ASA Banka | Brigit | Median |
|---|---|---|---|
| APR | 8.31%below the median | 0%lowest quarter | 8.99% |
| Term | up to 120 monthshighest quarter | Not confirmed | 60 |
Median across 1005 listed lenders.
Pros and cons
ASA Banka
Pros
- Unsecured personal loans priced at 8.31%, under the site median of 12%
- Repayment windows of up to 120 on a fixed rate
- Arrangement fee of BAM 0 on the home purchase and remortgage range
Cons
- Support runs through phone and help centre only
- Eligibility for accounts is limited to adult citizens of Bosnia and Herzegovina
- The home purchase rate of 3.29% needs a deposit reaching 80%
Brigit
Pros
- The annual rate is 0%, so the advance is free to take out and free to hold while you keep it.
- The credit check is none, so there is no bureau search to pass, and the rating needed is poor.
- Same day funding is a headline feature (same day funding), so an urgent bill does not have to wait for a full transfer cycle.
Cons
- The advance tops out at $25 to $500, so it will not stretch to a large bill or a consolidation.
- Eligibility is narrow: US residency, a minimum age, a checking account open for a waiting period, a balance above the minimum, and repeated deposits from the same source.
- Brigit is a broker, so the advance is placed by a partner lender rather than priced by Brigit itself.
Who each suits
ASA Banka
Who it suits
- Adults in Bosnia and Herzegovina with regular monthly income
- Borrowers who want a fixed rate rather than a variable one
- Homebuyers comfortable putting a larger deposit down
Who should look elsewhere
- Anyone without a steady monthly income, or fixed-term applicants who have not yet built a waiting period with their employer
- Borrowers priced in another currency who want a fee-free personal loan, since BAM 0 applies to the home purchase and remortgage range
- Readers wanting a lender with a wider choice of support channels than phone and help centre
Brigit
Who it suits
- US adults with a poor credit history who want a free rate and will accept a small sum.
- Anyone who will not pay interest to hold a balance: alternatives such as Cashspace at PHP 12 to PHP 36 and Creditilia ES at 4% to 289% both cost money to carry.
- People whose checking account has been open a long time and receives the same deposits each month.
Who should look elsewhere
- Anyone chasing a large sum: the advance is capped at $25 to $500, so a bigger loan such as Andacredito at 0% to 36% may suit a larger bill.
- Readers without a steady deposit history, since the eligibility test is built on an account with recurring deposits rather than on a credit file.
- Borrowers who plan to carry a balance over a term, since Brigit's payday and cash advance products reward clearing the advance quickly.
Current offers
ASA Banka
Current offer
Bonus
Akcija stambenih kredita (mortgage loan campaign)
Source, checked September 26, 2026
Bonus
Poštedi se briga - Ostvari dodatni prihod i osiguraj novac (savings action with free ASA Central insurance): Free ASA Central insurance
Source, checked September 26, 2026
Discount code
Naša srijeda - Wednesday benefits for ASA Bank card customers
Applies to users of ASA Bank cards every Wednesday
Source, checked September 26, 2026
Brigit
Current offer
First period offer
Brigit Premium plan includes free Express Delivery on cash advances: $15.99/month plan, free Express Delivery
Premium membership; cancel anytime; not available in all states
Source, checked September 26, 2026
Country by country
| Country | ASA Banka | Brigit |
|---|---|---|
| Bosnia and Herzegovina | Yes | No |
| United States | No | Yes |
Questions about each
ASA Banka
What rate do ASA Banka personal loans charge?+
Unsecured personal loans run at 8.31%, and that rate is fixed rather than variable, so monthly payments stay level for the life of the loan. The representative example given covers long-term unsecured personal borrowing and states 8.31% including related costs and fees.
How much can I borrow and for how long?+
Unsecured personal loans reach up to BAM 50,000 and run for up to 120. The same bank also offers cash advance, debt consolidation, credit line, secured and student lending, so a larger purchase can be covered through a secured product instead.
Brigit
What does a Brigit advance cost?+
The annual rate is 0%, so the advance is free to take out and free to hold. The arrangement fee is free as well, with no origination charge on the advance itself. The one optional cost is Express Delivery, which carries a fee for Plus members and is free on Premium accounts. Clearing the advance early costs nothing either.
Does Brigit run a credit check?+
The credit check is none, so there is no bureau search to pass, and the rating needed is poor. Approval leans on your bank account and its deposit history instead of on a credit file. For a borrower with a damaged score that is the point of the product rather than a shortcut.