Halkbank AD Skopje review

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

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Our verdict

Halkbank AD Skopje lends directly, at a fixed rate on personal loans of MKD 2,500,000, with 5.57% to 6.09% and a set-up charge of 0 MKD processing fee.

Key facts

Best for
Employed borrowers with a good credit history wanting a long fixed rate personal loan.
APR
5.57% to 6.09% (Source, checked September 26, 2026)
Loan amount
MKD 2,500,000 (Source, checked September 26, 2026)
Term
up to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 MKD processing fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
1-3 working days to approval (Source, checked September 26, 2026)
Representative example
600,000 MKD consumer loan: 5.4% fixed rate over 95 months at 5.57% total annual cost, or 5.9% fixed over 120 months at 6.09% total annual cost, plus 500 MKD application and 450 MKD credit bureau fees (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
Regular employment with regular monthly income, good credit history, of legal age; guarantor, mortgage or other security may be required (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Halkbank AD Skopje (Source, checked September 26, 2026)
Headquarters
North Macedonia (Source, checked September 26, 2026)
Founded
1993 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
halkbank.mk

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • Pricing is fixed for the whole term, so the monthly payment does not move with market rates
  • The set-up charge is 0 MKD processing fee on the consumer loan range
  • Free early repayment, so a lump-sum payoff costs nothing extra
  • Decisions come quickly, at 1-3 working days to approval

Cons

  • Applications run a hard credit search, so a declined application still leaves a mark on the file
  • A guarantor, a mortgage or other security may be required, so approval can turn on assets as well as income
  • A good credit history is needed alongside regular employment, which narrows who qualifies
Halkbank AD Skopje

Ready to try Halkbank AD Skopje?

Scored 9.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers with regular employment and steady monthly income in North Macedonia
  • People whose credit history is already good and can handle a hard credit search
  • Anyone planning to pay the loan off early and keep the savings

Who should look elsewhere

  • Borrowers with a thin or damaged credit file, since a hard credit search applies and a good credit history is required
  • Self-employed applicants without regular monthly income, as regular employment is the stated basis
  • Readers who want a rate to compare first, such as Cashspace ES at 0% or Monzo Flex at 10% to 23%

How Halkbank AD Skopje compares

Where Halkbank AD Skopje is available

Available
North Macedonia

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

Frequently asked questions

What rate will I pay on a Halkbank AD Skopje personal loan?+

The loan is priced on a fixed rate, so the figure you are offered holds for the life of the deal. Across the consumer loan range the APR is 5.57% to 6.09%, with the rate fixed for the full term of up to 120.

Are there any fees to arrange the loan?+

On the consumer loan the set-up charge is 0 MKD processing fee. The representative example does add application and credit bureau fees, so the total cost of borrowing sits a little above the headline rate.

How much can I borrow and over what term?+

Personal loans run up to MKD 2,500,000, with a maximum term of up to 120. Longer terms spread the balance but raise the total interest paid, so the shortest term you can manage is usually the cheaper choice.

What credit check do I need to pass?+

Applications run a hard credit search, which is recorded on the file whether or not you are accepted. Halkbank AD Skopje wants a good credit history alongside regular employment, so thin files rarely clear the bar.

Can I pay the loan off early?+

Yes. Free early repayment applies, so clearing the balance ahead of schedule carries no extra charge. With a fixed loan, paying down early also cuts the interest that would otherwise have accrued on the rest.

How quickly will I know if I am accepted?+

Approval takes 1-3 working days to approval, so a decision is not instant and the wait runs longer than with some app-based lenders. Have your employment evidence, income and credit file ready before applying and the check can move without further requests for paperwork.

Who is eligible to apply?+

The stated basis is a salaried job, income arriving the same each month and a credit history the bank accepts, judged at good or better. Applicants also have to be of a minimum age. A guarantor, a mortgage or other security may be asked for on top.

How do I get help with the loan?+

Help runs through email, phone and help centre, so phone, email and a help centre are all offered. Ask the bank about eligibility, security and the fees in the representative example before you apply, and keep the answers for your own records.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

Halkbank AD Skopje

Halkbank AD Skopje

Employed borrowers with a good credit history wanting a long fixed rate personal loan.

9.3/10See alternatives

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