Evaloan.ba review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Evaloan.ba brokers personal and secured loans of BAM 10,000 to BAM 2,000,000 for residents of Bosnia and Herzegovina, with an origination fee of 0 BAM and a product fee of BAM 0. The bank makes the final call, so the rate comes from a partner lender and terms vary by offer.

Key facts

Best for
Residents of Bosnia and Herzegovina buying or renovating, without a fee charged for the arrangement itself.
Loan amount
BAM 10,000 to BAM 2,000,000 (Source, checked September 26, 2026)
Term
6 to 360 months (Source, checked September 26, 2026)
Arrangement fee
0 BAM (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Applicant answers questions on income and debts to meet basic conditions; the bank makes the final decision; loans offered to Bosnia and Herzegovina residents (Source, checked September 26, 2026)
Loan types
Personal, Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Evaloan d.o.o. (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Official website
evaloan.ba

Mortgages

Product fee
BAM 0 (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Evaloan d.o.o. (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.comtiktok.com

Pros and cons

Pros

  • Origination fee of 0 BAM and product fee of BAM 0 on both personal and secured loans, so the arrangement costs nothing
  • Loan amounts run BAM 10,000 to BAM 2,000,000, wide enough to cover a full home project rather than a small top-up
  • Terms run 6 to 360, giving room to spread a larger sum over a long repayment
  • Support runs on email and phone, so a question can be put by phone as well as by email

Cons

  • The bank makes the final decision, so the offer rests on the terms a partner lender sets
  • Loan amounts run BAM 10,000 to BAM 2,000,000, so a small emergency top-up sits below the starting point
  • Debt consolidation is not among the personal and secured listed, so borrowers wanting to merge debts have a narrower choice
Evaloan.ba

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Scored 8.4 / 10 by BorrowCue.

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Who it suits

  • Residents of Bosnia and Herzegovina with a home purchase or home improvement in mind
  • Borrowers who would rather avoid any upfront fee charged by an intermediary
  • People who prefer to talk a loan through on the phone before sending an application

Who should look elsewhere

  • Borrowers living outside Bosnia and Herzegovina, since loans go to residents of the country
  • Monzo Flex users who want the lender to take the decision itself rather than a bank reached through a broker
  • Cashspace ES users after a small top-up, since amounts there run €100 to €5,000

The company behind it

Evaloan is registered as Evaloan d.o.o. and based in Bosnia and Herzegovina. Questions about an application are handled through email and phone, so a borrower can raise an issue in writing or by phone. The registered name and the country of registration are the clearest starting points when checking who stands behind the loan.

How Evaloan.ba compares

Where Evaloan.ba is available

Available
Bosnia and Herzegovina

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Evaloan charge for arranging a loan?+

There is an origination fee of 0 BAM and a product fee of BAM 0 on the loans listed. Both are set at nothing, so the intermediary adds no cost of its own to the comparison. What you pay is the interest the bank charges on the amount it approves.

How much can I borrow through Evaloan?+

Loan amounts run BAM 10,000 to BAM 2,000,000, which covers personal and secured borrowing against a home. The range sits well above the PHP 500 to PHP 25,000 offered by Cashspace and the €100 to €5,000 offered by Cashspace ES. The amount released is whatever the bank approves.

How long can I take to repay?+

Terms run 6 to 360 across the personal and secured loans. The longer end suits a larger sum carried for longer, and the shorter end suits a quicker clear. The median term across the lenders listed on the site is 36.

Is Evaloan a bank or a broker?+

It is a broker. The registered company is Evaloan d.o.o., based in Bosnia and Herzegovina. Applicants answer questions on income and debts to meet basic conditions, and the bank makes the final call on whether the loan goes ahead.

Who can apply for a loan?+

Loans are offered to residents of Bosnia and Herzegovina, so applicants outside the country fall outside that scope. Applicants answer questions on income and debts to meet basic conditions. Meeting the basic conditions is not the same as acceptance, since the bank decides.

What can I use the loan for?+

The listed use is home improvement, so home improvement is the purpose named, and the stated purpose on the loan page is purchase. A borrower after a home purchase rather than works on a property already owned should raise that with the broker before an application goes to a bank.

How do I contact Evaloan?+

Support runs on email and phone, so both phone and email are available. A call is useful when a borrower wants to talk through which bank might take an application. Chat sits outside the listed channels, so a question sent that way may wait longer for an answer.

How do the rates compare with the wider market?+

The median across the lenders listed on the site is 12%, with the lower and upper quartiles at 6.13% and 24.92%. As a broker, Evaloan passes on the rate set by the bank it introduces, so the quote follows that offer.

Sources

  • evaloan.ba checked September 26, 2026

    Backs: Eligibility

  • evaloan.ba/contact checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Evaloan d.o.o.”

  • evaloan.ba/loan checked September 26, 2026

    Backs: Loan amount, Lender type, Loan types, Arrangement fee, Product fee, Purpose, Term, Use cases

    “Visina kredita 10.000 KM - 2.000.000 KM (Housing loan calculator)”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Funding time, Representative example.

Evaloan.ba

Evaloan.ba

Residents of Bosnia and Herzegovina buying or renovating, without a fee charged for the arrangement itself.

8.4/10See alternatives

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