Forza review

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

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Our verdict

Forza suits adults in Bosnia and Herzegovina with a good credit record who need a small loan for home improvement today. Same-day funding is the draw, at an annual rate of 97.16%, so the cost is the price of that speed.

Key facts

Best for
Fast, small borrowing for home improvement inside Bosnia and Herzegovina.
APR
97.16% (Source, checked September 26, 2026)
Loan amount
BAM 100 to BAM 1,000 (Source, checked September 26, 2026)
Term
7 to 30 months (Source, checked September 26, 2026)
Arrangement fee
5% of the approved loan amount (plus 5 KM CRK report fee) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
15 minutes to process; money available the same day (Source, checked September 26, 2026)
Representative example
Forza 1000 microcredit: 1000 KM repaid within 30 days, total payable 1055 KM (principal 1000 KM, nominal rate 0%, EKS 97.16%) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Bosnia and Herzegovina citizens aged 18-75 with regular income, valid ID card, mobile phone and residence in BiH (Source, checked September 26, 2026)
Origination fee (%)
5% (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
MKD "Digital Finance International" d.o.o. Banja Luka (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
forza.ba

Pros and cons

Pros

  • Processing is quick: 15 minutes to process; money available the same day, so the cash can land the same day.
  • Early repayment is free, so settling the balance early costs nothing extra.
  • Lending is direct, direct lender, at a fixed rate, fixed, on personal and payday loans.
  • Support runs on phone, chat and email, and amounts stay modest, BAM 100 to BAM 1,000.

Cons

  • The annual rate of 97.16% is high for a product this small.
  • A fee of 5% of the approved loan amount (plus 5 KM CRK report fee) adds to the sum you repay.
  • The check is hard and the record expected is good, so applicants need a clean file.
Forza

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Adults in Bosnia and Herzegovina with regular income, a valid ID card, a mobile phone and a residence in the country.
  • Good credit record holders, good, who are comfortable with a hard check.
  • Borrowers who want home improvement money the same day and can clear BAM 100 to BAM 1,000 within 7 to 30.

Who should look elsewhere

  • Monzo Flex, if you want longer to repay: 10% to 23% comes in far below Forza's 97.16%.
  • Cashspace, where PHP 12 to PHP 36 covers a longer personal loan at a lower cost.
  • Cashspace ES, if a 0% rate makes more sense than Forza's 97.16%.

Who runs it

Forza lends as MKD "Digital Finance International" d.o.o. Banja Luka, a company based in Bosnia and Herzegovina and working since 2016. Support runs on phone, chat and email, so a question about an application can be asked by phone, chat, email or through the help centre. The same named company signs the agreement and handles the loan.

How Forza compares

Where Forza is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What does it cost to borrow from Forza?+

The annual rate is 97.16%, and a fee of 5% of the approved loan amount (plus 5 KM CRK report fee) applies on the amount you borrow. The published example shows the largest loan repaid within a month, with the total repayable above the sum advanced. Free early repayment means clearing the balance ahead of schedule costs nothing extra.

How long is a Forza loan repaid over?+

Terms run 7 to 30, so the balance comes due well inside a year rather than across a long schedule. That suits a short-term need such as home improvement work, but it also means the pressure on a good credit record, good, builds up quickly.

How fast can I get money from Forza?+

Processing takes 15 minutes to process; money available the same day, and same-day funding means you do not wait through a long payout window. That speed is the main reason to pick this lender over a slower personal loan. You apply with an ID card and a mobile phone, and reach a decision quickly.

What credit record does Forza want?+

Forza runs a hard credit check, hard, and expects a good credit record, good. A hard check appears on your file whether or not you are accepted, so it pays to check where you stand before applying.

Who can apply for a Forza loan?+

Applicants must be Bosnia and Herzegovina citizens with regular income, a valid ID card, a mobile phone and a residence in the country. You also need to be an adult. With BAM 100 to BAM 1,000 available across personal and payday lending, personal and payday, the fit is a small planned cost.

Is the Forza rate fixed or variable?+

The rate is fixed, fixed, on a fixed-rate model, fixed rate, so your repayment does not move with a market index. Combined with free early repayment, that gives a predictable balance to clear and the option to finish sooner if your income improves.

Who do I contact at Forza?+

Support runs on phone, chat and email, so you can reach the team by phone, chat, email or the help centre. The lending entity is MKD "Digital Finance International" d.o.o. Banja Luka, based in Bosnia and Herzegovina, and the help centre is the place to start with eligibility questions.

What kind of loans does Forza make?+

Forza lends as a direct lender, direct lender, and offers personal and payday products, personal and payday, aimed at home improvement, home improvement. Borrow amounts of BAM 100 to BAM 1,000 and keep the repayment window, 7 to 30, short rather than stretched.

Sources

  • forza.ba checked September 26, 2026

    Backs: Features, Funding time, Use cases

  • forza.ba/about checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type

    “Mikrokreditnog društva "Digital Finance International" d.o.o., sa sjedištem u Banjaluci, Svetozara Markovića 5/11”

  • forza.ba/faq-page checked September 26, 2026

    Backs: Credit check, Credit needed, Loan types

  • forza.ba/how-to-apply checked September 26, 2026

    Backs: Eligibility

  • forza.ba/page-message checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “glavnica 1 000 KM, NKS 0 %, EKS 97.16 %”

  • forza.ba/start checked September 26, 2026

    Backs: Support channels

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Forza

Forza

Fast, small borrowing for home improvement inside Bosnia and Herzegovina.

8.9/10See alternatives

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