NLB Komercijalna Banka review

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

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Our verdict

NLB Komercijalna Banka suits borrowers in RS who want a fixed rate personal loan from the bank itself, with an APR of 7.77% and an origination fee of 0 RSD. The trade-off is the term, since 13 to 71 keeps the repayment period short.

Key facts

Best for
A fixed rate personal loan from your own bank, with the money landing in your current account.
APR
7.77% (Source, checked September 26, 2026)
Loan amount
RSD 5,000,000 (Source, checked September 26, 2026)
Term
13 to 71 months (Source, checked September 26, 2026)
Arrangement fee
0 RSD (Source, checked September 26, 2026)
Funding time
Paid out to the current account shortly after online signing (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Existing and new customers; new customers transferring their salary to NLB or existing customers already paid by NLB (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
NLB Banka AD Beograd (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
nlbkb.rs

Mortgages

Initial rate
4.3% (Source, checked September 26, 2026)
APRC
5.32% (Source, checked September 26, 2026)
Fixed period
3 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
RSD 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
NLB Banka AD Beograd (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Fees stay low: 0 RSD origination on the personal loan and RSD 0 on the housing product.
  • The payout route is direct, since Paid out to the current account shortly after online signing.
  • Help is easy to reach on phone, email and help centre.
  • The personal loan is a fixed rate, so instalments do not shift mid term.

Cons

  • The repayment term is 13 to 71, which is brief for a personal loan.
  • Eligibility is tied to the account, since new customers transfer their salary to the bank and existing customers are already paid by it.
  • The housing rate is fixed for 3 and lending stops at 90% loan to value.
NLB Komercijalna Banka

Ready to try NLB Komercijalna Banka?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Borrowers who already hold the account and want a fixed rate personal loan at 7.77%.
  • Homebuyers and remortgagers who can work inside 90% loan to value.
  • Anyone who needs cash quickly, since same day funding.

Who should look elsewhere

  • Monzo Flex, where the APR is 10% to 23%, if a lower rate matters more to you than borrowing at 7.77% from a bank in Serbia.
  • Cashspace ES, where the listed APR of 0% sits below the 7.77% charged here.
  • Cashspace, priced at PHP 12 to PHP 36 in another currency, if you are not borrowing in Serbia.

Who runs it

The lender behind the offer is NLB Banka AD Beograd, a bank based in Serbia, so the agreement sits with the bank itself. Practical questions are handled on phone, email and help centre, which covers a call, an email and the help centre, and the same organisation stays the point of contact for the life of the loan.

How NLB Komercijalna Banka compares

Where NLB Komercijalna Banka is available

Available
Serbia

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

Frequently asked questions

What APR does a personal loan from NLB Komercijalna Banka carry?+

The personal loan is priced at an APR of 7.77%, below the site median of 12%. The rate is fixed, so the figure you are quoted holds rather than drifting with the wider market. Nothing is added on top for the account itself, since the origination fee is 0 RSD.

How much can I borrow and over what term?+

Borrowing runs to RSD 5,000,000, and the repayment period is 13 to 71, which is a shorter window than many loans offer. The product is personal borrowing for customers of the bank, so the amount available depends on what the bank will lend against the account relationship.

What fees does the bank charge?+

The personal loan carries an origination fee of 0 RSD, and the housing loan shows a product fee of RSD 0. On that basis the cost of taking the money out is limited to the interest you pay, with no separate arrangement charge sitting on top of either product.

How quickly is the money paid out?+

Funding is Paid out to the current account shortly after online signing, and the product is listed under same day funding. In practice the money lands in your current account with the bank rather than arriving as a cheque in the post, which suits anyone who needs the cash quickly rather than waiting on paperwork.

Is the rate fixed or variable?+

The personal loan is a fixed rate, and fixed rate is how the offer is built, so instalments stay predictable across the whole term. The rate you are quoted is the rate you keep, and the housing side works the same way, with 5.32% as the comparable figure.

Who qualifies for the personal loan?+

Eligibility turns on the account rather than a single credit test: new customers need to transfer their salary to the bank, and existing customers need to be paid by it already. The product is personal borrowing, so it is aimed at people with an existing or near existing banking relationship.

What does the housing loan offer?+

The housing side opens at an initial rate of 4.3%, fixed for 3, with an APRC of 5.32%. Lending goes up to 90% loan to value, and the purposes covered are purchase, remortgage and first time buyer. The rate applies for that period and the loan is arranged with the bank as a direct lender.

How do I get help once the loan is running?+

Support runs on phone, email and help centre, so a call, an email and the help centre cover most questions, and the bank is set up as a direct lender rather than an intermediary, which means you deal with the lender itself for anything to do with the loan.

Sources

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

Not confirmed yet: Credit check, Representative example.

NLB Komercijalna Banka

NLB Komercijalna Banka

A fixed rate personal loan from your own bank, with the money landing in your current account.

9.3/10See alternatives

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