NLB review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

NLB lends directly at a fixed rate on personal loans of €40,000, with an origination fee of 0 EUR (no approval or management fees). It suits borrowers from any bank who want a long term and a steady repayment; the hard credit check rules it out for a thin file.

Key facts

Best for
A fixed rate personal loan from a bank you already bank with, on a long schedule.
APR
5.65% (Source, checked September 26, 2026)
Loan amount
€40,000 (Source, checked September 26, 2026)
Term
120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (no approval or management fees) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Immediately after successful approval (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Customers of all banks can apply, subject to approval conditions (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
NLB d.d. (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
nlb.si

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
NLB d.d. (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • No account with the bank is needed first: any bank's customer can apply, subject to the approval conditions.
  • Funding is Immediately after successful approval once an application is approved.
  • Origination fee of 0 EUR (no approval or management fees) on the personal loan.

Cons

  • The credit check is hard, so the decision rests on the whole file rather than a soft prequalification.
  • The rate is fixed for the full 120, so there is no cheaper opening rate to move to later.
NLB

Ready to try NLB?

Scored 9.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Applicants who bank elsewhere, since no account with NLB is needed and the approval conditions are the only gate.
  • Borrowers with a long horizon: the term reaches 120, and NLB ranks 18 of 232 brands on term.
  • People who prefer to deal with the bank itself: NLB is a direct lender and the agreement is with NLB d.d..

Who should look elsewhere

  • Applicants with a thin credit file, because the check is hard; Cashspace ES gives the lowest reading at 0%.
  • Borrowers who want a rate that can move later: NLB's rate is fixed for the whole of 120.
  • Readers wanting a second market to weigh: Monzo Flex lists 10% to 23% and Cashspace lists PHP 12 to PHP 36 against a site median of 12%.

The company behind it

The loan is written by NLB d.d., the named legal entity behind the product. Support runs on phone and help centre, so a question about an application, a repayment date or a statement goes through the phone line or the help centre. A written route such as live chat or email is not listed among the ways to reach the bank.

How NLB compares

Where NLB is available

Available
Slovenia

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

Frequently asked questions

How much can I borrow, and over what term?+

The personal loan runs to €40,000 over a term of 120 at a fixed rate. A schedule that long spreads the repayments widely, which suits an income that is steady but modest. The listed product is a personal loan rather than a revolving credit line.

What will I pay, and does the rate move?+

The rate is 5.65% and it is fixed for the life of the loan, with a fixed rate structure underneath. Fixed pricing means the repayment is set at the start and does not follow market rates, which helps when budgeting across 120.

What fees come with the loan?+

The origination fee is 0 EUR (no approval or management fees) on a personal loan. In practice that means no approval fee and no management fee, so the cost of taking the loan is the interest and nothing else at the start of the agreement.

What credit check will I face?+

The application carries a hard credit check. A full file check weighs repayment history and any defaults together, and hard checks account for 72.7% of listings on the site, so this is the mainstream approach rather than an exception.

How quickly would the money arrive?+

Funding is Immediately after successful approval, and same day funding is listed among the product's features. Once an application has passed there is no further payout window to wait through, which suits a borrower who already has a bill or purchase date in view.

Do I need an account with the bank first?+

No existing account is required, and customers of any bank can put in an application, subject to the approval conditions. The outcome still turns on the hard credit check and on meeting those approval conditions, so eligibility is broad rather than automatic.

Am I dealing with a bank or a broker?+

NLB is a direct lender, so the loan is written by the bank rather than matched through a comparison service. The legal entity behind the agreement is NLB d.d., which is the name a borrower will see on the credit agreement.

Sources

  • nlb.si/en/osebno/krediti/personal-loan checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Term

    “In NLB Klik: The maximum loan amount approved is up to EUR 40,000.”

  • nlb.si/osebno/krediti/osebni-kredit checked September 26, 2026

    Backs: Support channels

    “Podrobnejše informacije in natančen izračun lahko dobite v vseh NLB poslovalnicah ali prek NLB Kontaktnega centra 24/7.”

  • nlb.si/osebno/pomoc-in-orodja/stroski-in-obrestne-mere checked September 26, 2026

    Backs: Legal entity

    “NLB d.d. kot banka izdajateljica kartic”

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

Not confirmed yet: Representative example.

Related by the facts

NLB

NLB

A fixed rate personal loan from a bank you already bank with, on a long schedule.

9.3/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings