Tigo.mk review

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

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Our verdict

Tigo.mk lends from MKD 500 to MKD 720,000 over terms of 1 to 72, and its first consumer loan carries no arrangement fee. It suits adults living in the Republic of North Macedonia who want a small personal or payday loan and need the cash in a branch the same day.

Key facts

Best for
Small short-term borrowing in the Republic of North Macedonia, collected in person the same day.
Loan amount
MKD 500 to MKD 720,000 (Source, checked September 26, 2026)
Term
1 to 72 months (Source, checked September 26, 2026)
Arrangement fee
0 MKD on the first loan repaid in a single payment within 30 days (Source, checked September 26, 2026)
Funding time
Cash in a branch in at most 10 minutes, or to a transaction account within minutes (Source, checked September 26, 2026)
Representative example
10,000 MKD first loan repaid in one payment within 30 days at 0% interest, 0 MKD commission and 0% total cost of credit; the client repays 10,000 MKD (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Aged 18 to 80, resident of the Republic of North Macedonia; valid ID card or passport, mobile phone, email address; no guarantor or security (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday, Credit-line, Secured, Student (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
FD TIGO FINANS DOO Skopje (Source, checked September 26, 2026)
Headquarters
North Macedonia (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
tigo.mk

Pros and cons

Pros

  • The first consumer loan repaid in a single payment carries an arrangement fee of free, and the origination fee percentage is 0%.
  • Loans of MKD 500 to MKD 720,000 with terms of 1 to 72 cover a single-payment loan and a longer instalment plan.
  • Same-day funding is a listed feature, and the cash can be taken over the counter at a branch or paid to a transaction account.
  • No guarantor and no security are required, so nothing is pledged against the loan.

Cons

  • The fee-free arrangement applies only to a first loan repaid in a single payment, so later or longer loans are priced differently.
  • Eligibility is limited to a resident of the Republic of North Macedonia with a valid ID card or passport, a mobile phone and an email address.
  • Support runs on phone, email and help centre.
Tigo.mk

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Adults living in the Republic of North Macedonia who need a small amount quickly and can clear it in a single payment.
  • Borrowers who want no guarantor and no security on the loan.
  • People who prefer collecting cash in person rather than waiting on a transfer.

Who should look elsewhere

  • Monzo Flex, which lends £10,000 to £35,000 in a different market and suits larger arranged borrowing.
  • Cashspace ES, which lends €100 to €5,000 and does not cover borrowers in North Macedonia.
  • Cashspace, whose PHP 500 to PHP 25,000 range sits in another market rather than the Macedonian one.

How your money is protected

Tigo.mk lends as FD TIGO FINANS DOO Skopje, a direct lender rather than a broker, so the loan comes from the named company. It holds a licence from the Ministry of Finance of the Republic of North Macedonia, Reshenie br. 13-6093/4. The first-loan example repays the amount drawn in one payment with no interest and no commission.

How Tigo.mk compares

Where Tigo.mk is available

Available
North Macedonia
Licence in North Macedonia
Ministry of Finance of the Republic of North Macedonia (Reshenie br. 13-6093/4), checked September 26, 2026

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

Frequently asked questions

How much can I borrow and for how long?+

Tigo.mk offers loans of MKD 500 to MKD 720,000 with terms of 1 to 72, so one lender covers a single-payment loan and a longer instalment plan. Listed purposes include personal, payday, credit line, secured and student loans, with home improvement given as a use case.

What does the first loan cost?+

The arrangement fee on a first loan repaid in a single payment is free, and the origination fee percentage is 0%. The representative example repays the amount drawn in one payment at no interest, no commission and no total cost of credit.

How quickly is the money available?+

Same-day funding is listed as a feature, same day funding, and the money can be collected in a branch or sent to a transaction account. That suits an unplanned cost rather than a planned purchase.

Do I need a guarantor or security?+

No guarantor and no security are required. Eligibility asks only for a valid ID card or passport, a mobile phone, an email address, and being a resident of the Republic of North Macedonia.

Who can apply?+

Applicants must be adults within the listed age band and residents of the Republic of North Macedonia, holding a valid ID card or passport, a mobile phone and an email address. Lending centres on that single market rather than several countries.

Is the lender regulated?+

Tigo.mk holds a licence from the Ministry of Finance of the Republic of North Macedonia, recorded as Reshenie br. 13-6093/4. It is a direct lender operating as FD TIGO FINANS DOO Skopje, rather than a broker or a marketplace.

How can I get help?+

Support runs on phone, email and help centre, so an existing borrower can call, email or use the help centre. The branch counter is where the cash is collected when a loan is drawn.

How do Tigo.mk loans compare on rate?+

Personal loans across the site sit at a median APR of 12%, with a lower quartile of 6.13% and an upper quartile of 24.92%. The fee-free first loan sits at the bottom of that spread, above the site minimum of 0%.

Sources

  • tigo.mk checked September 26, 2026

    Backs: Licences

  • tigo.mk/info/kredit-na-rati checked September 26, 2026

    Backs: Features, Funding time

  • tigo.mk/info/potroshuvacki-kredit checked September 26, 2026

    Backs: Loan amount, Eligibility, Arrangement fee, Origination fee (%), Representative example, Term, Use cases

  • tigo.mk/prashanja-i-odgovori checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Loan types, Support channels

    “Finansisko drustvo FD TIGO FAJNANS DOO Skopje”

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

Not confirmed yet: APR, Credit check.

Tigo.mk

Tigo.mk

Small short-term borrowing in the Republic of North Macedonia, collected in person the same day.

9.2/10See alternatives

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