ZAZA.ba review

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

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Our verdict

ZAZA.ba suits borrowers in Bosnia and Herzegovina who want a low rate with nothing added for set-up. Its APR of 6.6% ranks 101 of 350 brands compared on the site, and the none credit check leaves an application file untouched at that stage.

Key facts

Best for
Residents of Bosnia and Herzegovina borrowing at a low rate without an arrangement fee.
APR
6.6% (Source, checked September 26, 2026)
Loan amount
up to BAM 50,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Arrangement fee
0 BAM (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Representative example
Gotovinski kredit 15.000 KM, 60 mjeseci, rata 280,94 KM, NKS 4.69%, EKS 6.6%, ukupno 16.856,58 KM (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
Residents of Bosnia and Herzegovina; usually personal ID card, CIPS registration and proof of regular income (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation, Student, Secured, Credit-line (Source, checked September 26, 2026)
Legal entity
OMEG d.o.o. (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)
Features
Credit line
Official website
zaza.ba

Mortgages

Initial rate
3.39% (Source, checked September 26, 2026)
Fixed period
20 years (Source, checked September 26, 2026)
Product fee
BAM 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
OMEG d.o.o. (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)

Pros and cons

Pros

  • APR of 6.6% sits below the site median of 12%
  • Fees of 0 BAM and BAM 0 on the terms of use
  • Credit check is none
  • Support runs on email, chat and phone

Cons

  • Credit check of none leaves approval to the lender's own scoring
  • Term of 60 ranks 57 of 232 on length
  • Marketplace model, so an offered rate can differ from the 6.6% shown
ZAZA.ba

Ready to try ZAZA.ba?

Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Residents of Bosnia and Herzegovina with an ID card, CIPS registration and proof of regular income
  • Borrowers consolidating car, student or other debt into one repayment
  • People who want a credit line rather than a one-off loan

Who should look elsewhere

  • Borrowers outside Bosnia and Herzegovina, as eligibility is restricted to residents
  • Readers wanting a wider spread of terms, since the listed term of 60 is mid-pack
  • Anyone needing a named regulator or deposit protection scheme

Where it sits among rivals

On APR, ZAZA.ba ranks 101 of 350 brands compared here, which puts its 6.6% below the site median of 12%. On term, it sits 57 of 232 brands at 60, mid-pack rather than standout. The low rate is the clear draw; the length of repayment is the part rivals may beat.

How ZAZA.ba compares

Where ZAZA.ba is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What rate does ZAZA.ba charge on a personal loan?+

The listed APR is 6.6%, against a site median of 12% across the brands compared here. The representative cash loan example on offer shows the same 6.6% effective rate across a 60 term, so that is the figure to budget against.

Are there arrangement or product fees?+

ZAZA.ba lists an origination fee of 0 BAM and a product fee of BAM 0 in its terms of use. Neither adds to the interest bill for setting the loan up or running the account.

Does applying run a credit check?+

The credit check is none, so nothing is added to your file as part of the application. The lender still decides, and the 6.6% shown is what the marketplace advertises rather than a rate guaranteed to every applicant.

How much can I borrow and for how long?+

Loan amounts reach up to BAM 50,000, and the listed term is 60. On this site that term ranks 57 of 232 brands, so borrowers wanting a shorter or longer repayment may find more room elsewhere.

Who can apply?+

Eligibility is open to residents of Bosnia and Herzegovina, usually with a personal ID card, CIPS registration and proof of regular income. ZAZA.ba runs as a marketplace, so you apply through it to lenders rather than borrowing from a single balance sheet.

Does ZAZA.ba offer a credit line as well as a loan?+

Yes, a credit line is one of its features alongside personal, car, student, debt consolidation and secured borrowing. That suits people who draw money in stages rather than taking a fixed lump sum at the start.

Is my money protected by a deposit scheme?+

No regulator, licence or protection scheme is listed for ZAZA.ba, so there is no named scheme to point to for the safety of a balance held there. Borrowers should treat that absence as a question to ask before committing a large sum.

How do I get help if something goes wrong?+

Support runs on email, chat and phone, so you can reach the team by whichever of those suits you. The legal entity behind the site is OMEG d.o.o., headquartered in Bosnia and Herzegovina, which is who a complaint would concern.

Sources

  • zaza.ba checked September 26, 2026

    Backs: APR, Features, Lender type, Loan types, Arrangement fee, Representative example, Support channels

    “Gotovinski kredit: EKS (okvirno) 6.6% uz iznos 15.000 KM i period 60 mjeseci”

  • zaza.ba/gotovinski-krediti checked September 26, 2026

    Backs: Loan amount, Eligibility, Term

    “Period otplate 60 mj. - Okvirna mjesečna rata 280,94 KM”

  • zaza.ba/kako-rangiramo checked September 26, 2026

    Backs: Credit check

    “ZAZA.ba nije banka niti finansijska institucija, ne odobrava kredite, ne provjerava kreditni registar (CRK)”

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

    Backs: Headquarters, Legal entity

    “Proizvod agencije OMEG d.o.o. ZAZA.ba razvija i održava OMEG d.o.o.”

  • zaza.ba/stambeni-krediti checked September 26, 2026

    Backs: Fixed period, Initial rate, Purpose

    “Mnoge banke nude fiksnost prvih 20 godina, pa promjenjivu.”

  • zaza.ba/uslovi-koristenja checked September 26, 2026

    Backs: Product fee

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

ZAZA.ba

ZAZA.ba

Residents of Bosnia and Herzegovina borrowing at a low rate without an arrangement fee.

8.8/10See alternatives

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