UzmiNovac na rate review

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

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Our verdict

UzmiNovac na rate is a direct lender based in Bosnia and Herzegovina that suits adults wanting a small personal instalment loan decided and paid out fast. The catch is cost: the APR of 520.4% sits far above the site median of 12%.

Key facts

Best for
Adults in Bosnia and Herzegovina who need a small personal instalment loan in a hurry and can absorb a high rate.
APR
520.4% (Source, checked September 26, 2026)
Loan amount
BAM 100 to BAM 4,000 (Source, checked September 26, 2026)
Term
2 to 16 months (Source, checked September 26, 2026)
Arrangement fee
0 BAM (Source, checked September 26, 2026)
Funding time
15 minutes (Source, checked September 26, 2026)
Representative example
Loan of 1700 KM over 15 months, EKS 520.40%, NKS 179% (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Ages 18 to 85 with a valid ID card or passport (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
FLEX CREDIT d.o.o. Banja Luka (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
uzminovac.ba

Pros and cons

Pros

  • No arrangement fee is listed: 0 BAM and 0% both sit at nothing
  • Fast payout, with 15 minutes and same-day funding listed as a feature
  • Deals directly with the borrower as a lender rather than a broker
  • Hold a licence from the Banking Agency of Republika Srpska, listed as 03-71-3/22

Cons

  • The rate is the weak point: an APR of 520.4% against a site median of 12%
  • Loans are small, at BAM 100 to BAM 4,000, so larger borrowings are out of reach
  • Repayment is squeezed into a short window, with terms of 2 to 16
UzmiNovac na rate

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Who it suits

  • Adults in Bosnia and Herzegovina holding a valid ID card or passport, as stated for eligibility
  • Borrowers who need money in the same day rather than the same week
  • Anyone treating this as a one-off bridging cost rather than a repeating instalment

Who should look elsewhere

  • Anyone planning a large purchase, since BAM 100 to BAM 4,000 caps the loan well below what bank-style lending offers
  • Borrowers on a thin monthly budget, because 2 to 16 keeps repayment tight
  • Monzo Flex, whose APR of 10% to 23% reads far lower

Safety and regulation

UzmiNovac na rate lends as a direct lender, so the borrower deals with the company that carries the credit rather than a broker. The published representative example is Loan of 1700 KM over 15 months, EKS 520.40%, NKS 179%, which shows the full cost of the instalment product in one line. The firm is licensed by the Banking Agency of Republika Srpska under 03-71-3/22. The licensing is a regulatory record, not a promise of any deposit or savings protection on the money.

Who runs it

The lender is FLEX CREDIT d.o.o. Banja Luka, based in Bosnia and Herzegovina, and it offers personal loans only. Support runs on email, phone and help centre, so questions can go by phone, by email or through a help centre, with no branch or in-app messaging listed. The same Banking Agency of Republika Srpska licence, 03-71-3/22, covers the entity that makes the lending decision.

How UzmiNovac na rate compares

Where UzmiNovac na rate is available

Available
Bosnia and Herzegovina
Licence in Bosnia and Herzegovina
Agencija za bankarstvo Republike Srpske (Banking Agency of Republika Srpska) (03-71-3/22), checked September 26, 2026

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

Frequently asked questions

What does this loan cost?+

The headline cost is an APR of 520.4%, which is well above the 12% site median. The published representative example is Loan of 1700 KM over 15 months, EKS 520.40%, NKS 179%. No arrangement fee is listed: 0 BAM and 0% are both at nothing, so the interest does the work of pricing the loan.

How much can I borrow and over what period?+

Loans run BAM 100 to BAM 4,000 and terms run 2 to 16. That combination suits a short, specific cost rather than a long borrowing relationship, since the repayment window is measured in months rather than years. The example given on the site is Loan of 1700 KM over 15 months, EKS 520.40%, NKS 179%.

Who is behind the lender?+

The lending entity is FLEX CREDIT d.o.o. Banja Luka, based in Bosnia and Herzegovina, and it operates as a direct lender. That means the borrower deals with the company that decides the application rather than a broker passing it on.

Is the lender regulated?+

Yes, the company is licensed by the Banking Agency of Republika Srpska, and the licence is listed as 03-71-3/22. No savings or deposit protection scheme is stated for the money, so treat this as lending rather than a place to hold cash.

How quickly can I get the money?+

Funding is listed at 15 minutes, with same-day funding also given as a feature. Support runs on email, phone and help centre, so phone, email and a help centre are the ways to chase an application or ask about the payout timing.

Who can apply?+

Eligibility is listed as adults between a minimum age and an upper age limit, holding a valid ID card or passport. Beyond that identity check, no income, employment or credit score requirement is stated in the published details, which is worth asking about directly.

Is this the cheapest option?+

Hardly. The APR of 520.4% compares with a site median of 12%, and the brand sits low on cost against much of the field. Cheaper alternatives exist, including Monzo Flex at 10% to 23% and Cashspace at PHP 12 to PHP 36, if you can reach their eligibility.

Sources

  • uzminovac.ba checked September 26, 2026

    Backs: Support channels

    “Feel free to contact us by phone on 051 30 30 30 or by e-mail.”

  • uzminovac.ba/krediti/kredit-na-rate checked September 26, 2026

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

    “UZMI NOVAC na rate: loan amount from 100 KM to 4,000 KM”

  • uzminovac.ba/o-nama checked September 26, 2026

    Backs: Features, Funding time, Headquarters, Legal entity, Lender type, Loan types, Licences

    “You receive your funds in cash within 15 minutes.”

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

Not confirmed yet: Credit check.

Related by the facts

UzmiNovac na rate

UzmiNovac na rate

Adults in Bosnia and Herzegovina who need a small personal instalment loan in a hurry and can absorb a high rate.

9.0/10See alternatives

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