ProCredit Bank Srbija review

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

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Our verdict

ProCredit Bank Srbija suits borrowers in Serbia who want a fixed-rate personal loan, an origination fee of 0% and a quick decision. The cash loan APR of 8.71% to 14.29% sits below the site median of 12%, and the direct lender sets the rate itself.

Key facts

Best for
A fixed-rate personal loan priced below the site median with nothing to pay in fees.
APR
8.71% to 14.29% (Source, checked September 26, 2026)
Loan amount
RSD 120,000 to RSD 5,850,000 (Source, checked September 26, 2026)
Term
12 to 71 months (Source, checked September 26, 2026)
Arrangement fee
0% credit application processing fee (disbursement fee 0.00%) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Approval in one day (Source, checked September 26, 2026)
Representative example
Cash loan RSD 120,000 over 12 months, fixed nominal 7.95%, EIR 11.31%, monthly instalment RSD 10,440.93, total repayable RSD 125,291.11 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Minimum salary RSD 36,000 and permanent employment of at least 6 months (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
ProCredit Bank a.d. Belgrade (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Founded
2005 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
procreditbank.rs

Mortgages

Initial rate
4.99% (Source, checked September 26, 2026)
APRC
5.39% (Source, checked September 26, 2026)
Fixed period
3 to 5 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, First-time-buyer, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
ProCredit Bank a.d. Belgrade (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Founded
2005 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • Cash loan APR of 8.71% to 14.29% sits below the site median of 12%
  • Origination fee of 0% on the personal loan and a product fee of €0 on housing loans
  • Fixed-rate structure, so instalments hold steady over the term of 12 to 71
  • Approval speed of Approval in one day keeps the waiting short

Cons

  • The credit check is hard, which sits in the same band as 72.7% across the site
  • Support runs on email and phone only, with no chat or help centre listed
  • Cash loan terms cap at 12 to 71, shorter than the 480 ceiling seen across the site
ProCredit Bank Srbija

Ready to try ProCredit Bank Srbija?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers earning a steady salary in Serbia who meet the stated eligibility conditions
  • Anyone funding home improvement work and wanting a fixed rate
  • First-time buyers and remortgagors looking at the housing loan range

Who should look elsewhere

  • Borrowers wanting a chat or self-service help centre, since support runs on email and phone only
  • People who need a very long repayment period, as the cash loan tops out at 12 to 71

How your money is protected

The lender kind is a direct lender, so applications go straight to the bank rather than through a broker or marketplace, a model that covers 72.1% of the site. The representative example shows the whole cost of a personal loan: a fixed nominal rate, the effective annual rate and the total repayable. No protection scheme or regulator is listed here.

The company behind it

The legal entity is ProCredit Bank a.d. Belgrade, headquartered in Serbia and founded in 2005, which gives a clear identity to contract with. Support runs on email and phone, so you reach the bank by phone or email rather than through a live chat or an on-site help centre. Direct lending means the bank sets the rate and makes the decision rather than passing the case on.

How ProCredit Bank Srbija compares

Where ProCredit Bank Srbija is available

Available
Serbia

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

Frequently asked questions

Are there any fees on a ProCredit Bank Srbija loan?+

The cash loan carries an origination fee of 0%, and the disbursement fee is listed at the same level, so there is nothing to pay for taking the loan out. Housing loans charge a product fee of €0. On both ranges the headline rate is the main cost to weigh.

How much can I borrow and for how long?+

Cash loans come in amounts of RSD 120,000 to RSD 5,850,000 over terms of 12 to 71, all at a fixed rate. Housing loans run for a fixed period of 3 to 5 with a maximum loan to value of 80%. The site-wide term range runs from 1 to 480 months.

What does the representative ProCredit Bank Srbija example show?+

The stated example runs on the lowest cash loan amount of RSD 120,000 to RSD 5,850,000 over the shortest term of 12 to 71, at a fixed nominal rate. It sets out the effective annual rate, the monthly instalment and the total repayable, so the whole cost of borrowing is visible before an application rather than after it.

Does ProCredit Bank Srbija run a hard or soft credit check?+

The credit check is hard, the stricter type, and 72.7% of lenders here also run one. It sits alongside the lender kind of direct lender, which means the bank reviews the application itself rather than passing it on. Applicants mainly need a settled credit history to clear it.

Who qualifies for a ProCredit Bank Srbija loan?+

Eligibility rests on a minimum salary and a waiting period of permanent employment, so the offer is aimed at earners with settled income rather than applicants with none. The cash loan is a personal product used mainly for home improvement, and housing loans cover purchase, first-time buyers and remortgaging.

How quickly does ProCredit Bank Srbija decide and pay out?+

Funding runs at Approval in one day, so a decision can land quickly rather than dragging on. Because the cash loan is a fixed-rate product, the instalment is settled from the start and does not drift with market rates. Support runs on email and phone, so progress on an application is handled by phone or email.

Is ProCredit Bank Srbija regulated or covered by a protection scheme?+

The lender operates as a direct lender under the legal entity ProCredit Bank a.d. Belgrade, based in Serbia and founded in 2005. No regulator, licence or deposit protection scheme is listed for this brand, so savings held with the bank carry no stated cover if it were to fail.

Sources

  • procreditbank.rs checked September 26, 2026

    Backs: Funding time, Support channels

    “0700 700 000, 011 2057 000, srb.kontakt@procredit-group.com”

  • procreditbank.rs/en/about-us checked September 26, 2026

    Backs: Lender type

    “ProCredit Bank is a German development-oriented bank focused on Eastern and Southeastern Europe”

  • procreditbank.rs/en/legal-rights checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “Entered in the register of the Serbian Business Registers Agency under No. 8269/2005”

  • procreditbank.rs/en/private-individuals/loans/cash-loans-... checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Loan amount in dinars 120,000 RSD to 5,850,000 RSD; Maximum amount up to 5.850.000 RSD”

  • procreditbank.rs/en/private-individuals/loans/housing-loans checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “A representative example of a housing loan with a combined interest rate - 5 years fixed interest rate ... EIR: 5.39%”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

ProCredit Bank Srbija

ProCredit Bank Srbija

A fixed-rate personal loan priced below the site median with nothing to pay in fees.

9.1/10See alternatives

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