Tvojkredit.rs review

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

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Our verdict

Tvojkredit.rs suits Serbian adults with a weaker credit file who want fixed-rate personal borrowing at a low total cost, with an APR of 6.5% and an arrangement fee of 0 RSD. It is a broker covering personal, debt consolidation and car, so one application route covers most borrowing needs.

Key facts

Best for
Cheap fixed-rate loans for Serbian borrowers with a weak credit file.
APR
6.5% (Source, checked September 26, 2026)
Loan amount
RSD 50,000 to RSD 5,000,000 (Source, checked September 26, 2026)
Term
12 to 71 months (Source, checked September 26, 2026)
Arrangement fee
0 RSD (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Decision within 24h and fast payout of funds (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Applicants over 18; Serbia residents (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Business, Secured (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
tvojkredit.rs

Mortgages

Initial rate
6.5% (Source, checked September 26, 2026)
Fixed period
1 to 5.92 years (Source, checked September 26, 2026)
Product fee
RSD 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)

Pros and cons

Pros

  • Pricing runs on a fixed rate model, so the instalment does not move with the market.
  • Loan sizes run RSD 50,000 to RSD 5,000,000, which covers a modest personal loan and a much larger secured one.
  • Terms run 12 to 71, so the instalment can be kept small or cleared sooner.
  • Help is available on phone, email and chat during the application and after it.

Cons

  • Free early repayment is not offered, so an early settlement is not cost free.
  • Tvojkredit.rs works as a broker, so the loan is arranged with a partner lender rather than by Tvojkredit.rs itself.
  • Applications run a hard credit check, so there is no soft prequalification step before a decision.
Tvojkredit.rs

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults living in Serbia, the single market the site serves.
  • Borrowers with a weak credit file: the credit band worked with is poor.
  • People consolidating debts or buying a car, since personal, debt consolidation and car are all covered.

Who should look elsewhere

  • Cashspace, whose rates run PHP 12 to PHP 36, if a wider peso range suits the borrower better.
  • Monzo Flex, quoting 10% to 23%, for readers who want to weigh a lender outside this market.
  • Cashspace ES, at 0%, when the lowest quoted rate matters more than a dinar loan.

Who runs it

Tvojkredit.rs is based in Serbia, so applications and credit decisions sit inside a single market rather than a cross-border one. Support runs on phone, email and chat, so a borrower can pick phone, email or live chat for a question at any point in the application or during the loan. There is no branch to visit, so contact runs through the site and those channels.

How Tvojkredit.rs compares

Where Tvojkredit.rs is available

Available
Serbia

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

Frequently asked questions

What rate does Tvojkredit.rs charge?+

The quoted rate is an APR of 6.5%, with an initial rate of 6.5%, and the pricing is fixed, so the number does not move while the loan runs. Against the comparison set, the median sits at 12%, and the arrangement fee is 0 RSD.

How much can I borrow and over what term?+

Loan sizes run RSD 50,000 to RSD 5,000,000, and terms run 12 to 71, so the same site covers a modest personal loan and a much larger secured or business one. The rate is fixed, so a longer term lowers the instalment but raises the total repaid. Applicants need to be adults living in Serbia.

What fees are charged on a Tvojkredit.rs loan?+

The origination fee is 0 RSD, the percentage fee is 0% and the product fee is RSD 0, so the cost of borrowing sits in the rate rather than in upfront charges. With RSD 50,000 to RSD 5,000,000 available and terms run 12 to 71, the rate and the term decide the monthly figure. Nothing needs to be paid to open the loan.

Can I repay a Tvojkredit.rs loan early?+

Free early repayment is not offered on these loans, so settling the balance ahead of schedule is not cost free. That matters most for borrowers who expect their income to rise or who want to clear the debt after a bonus. Anyone planning to overpay should read the early settlement terms before signing, since terms run 12 to 71.

What credit check and credit band do I need?+

Every application runs a hard credit check, and the credit band the site prices for is poor. That makes it reachable for a file that has been dented, though there is no soft prequalification step first. Applicants must be adults and residents in Serbia, so the market is a single one.

Who actually lends the money on Tvojkredit.rs?+

Tvojkredit.rs is a broker, not the lender itself, so the application is matched to a lender and the contract sits with that lender. The resulting loan is priced on a fixed rate basis, at an APR of 6.5%. Borrowers should read the terms of the actual offer, not only the headline rate on the comparison page.

How do I get help from Tvojkredit.rs?+

Support runs on phone, email and chat, so questions can go by phone, email or live chat. That covers the application stage, a decision that needs explaining, and later servicing on a running loan. There is no branch to visit, so most contact happens on the site or through those channels. Decisions are quick and payout of funds is fast.

Sources

  • tvojkredit.rs checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Fixed period, Initial rate, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Product fee, Purpose, Rate type, Term

    “Iznos kredita ... 50.000 RSD - 5.000.000 RSD”

  • tvojkredit.rs/kontakt checked September 26, 2026

    Backs: Headquarters, Support channels

    “Adresa: Ćuprija, Srbija”

  • tvojkredit.rs/o-nama checked September 26, 2026

    Backs: Funding time

    “Odluka za 24h i brza isplata sredstava.”

  • tvojkredit.rs/uslovi checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment

    “Odobravanja kredita podležu proveri i odobrenju banke partnera.”

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

Not confirmed yet: Representative example.

Tvojkredit.rs

Tvojkredit.rs

Cheap fixed-rate loans for Serbian borrowers with a weak credit file.

8.8/10See alternatives

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