Credits in Croatia

Short-term, Consumer credits in Croatia
Kratkoročni, Potrošački krediti u Hrvatskoj

Consumer loans and microloans (mikro krediti, brze pozajmice) in Croatia are issued in euros, and the money is usually paid only into a current account at a Croatian bank. The maximum effective rate is capped by the consumer credit law, so the EKS here is far lower than for microloans in many other countries. Most of the cost is often not interest but a premium or arrangement fee, and these are already included in the EKS. Before lending, the lender checks the borrower’s ability to repay and their record in the HROK register.

×liderpress

LiderPress

Consumer credits
Website: liderpress.hr

Amount: 50–4000 EUR
Term: 15 days – 18 months
Interest: up to 7.15 % APR
Age: from 18 years

get a credit

dobiti kredit

Primjer: Mikro kredit: Uz zatraženi iznos 300,00 EUR na period od 30 dana, ukupan iznos sa svim pripadajućim troškovima iznosi 301,68 EUR, uz EKS 7,03%, iznos Premije 1,68 EUR te iznos mjesečne rate 301,68 EUR (1 rata). Najveća EKS: 7,15%. Plus kredit: Uz zatraženi iznos 1.000,00 EUR na period od 150 dana, ukupan iznos sa svim pripadajućim troškovima iznosi 1.016,70 EUR, uz kamatnu stopu 0,00% te EKS 6,96%, iznos Premije 16,70 EUR te iznos mjesečne rate 203,34 EUR (5 rata). Najveća EKS: 7,15%. Preko nas možete zatražiti kredite, pozajmice i zajmove uz osnovnu dokumentaciju.

Potrošački krediti, Iznos 50–4000 EUR, Rok 15 dana – 18 mjeseci, Kamatna stopa do 7.15 % EKS, Dob od 18 godina.

×brzepozajmice

BrzePozajmice

Consumer credits
Website: brzepozajmice.com

Amount: 50–4000 EUR
Term: 15 days – 18 months
Interest: up to 7.15 % APR
Age: from 18 years

get a credit

dobiti kredit

Primjer: Mikro kredit: Uz zatraženi iznos 300,00 EUR na period od 30 dana, ukupan iznos sa svim pripadajućim troškovima iznosi 301,68 EUR, uz EKS 7,03%, iznos Premije 1,68 EUR te iznos mjesečne rate 301,68 EUR (1 rata). Najveća EKS: 7,15%. Plus kredit: Uz zatraženi iznos 1.000,00 EUR na period od 150 dana, ukupan iznos sa svim pripadajućim troškovima iznosi 1.016,70 EUR, uz kamatnu stopu 0,00% te EKS 6,96%, iznos Premije 16,70 EUR te iznos mjesečne rate 203,34 EUR (5 rata). Najveća EKS: 7,15%. Brze pozajmice se isplaćuju isključivo na tekući račun u vašoj banci. Sve je transparentno i bez skrivenih troškova.

Potrošački krediti, Iznos 50–4000 EUR, Rok 15 dana – 18 mjeseci, Kamatna stopa do 7.15 % EKS, Dob od 18 godina.

How to choose a loan in Croatia
Kako odabrati kredit u Hrvatskoj

Loans in Croatia are only available to local residents, and their cost is strictly capped by law. Before applying, it is worth understanding why rates here are so low, what happens if you don’t repay and what lenders require from borrowers.

Why is the EKS in Croatia so low?

Because Croatia’s Consumer Credit Act (Zakon o potrošačkom kreditiranju) caps the maximum EKS, and the Croatian National Bank (HNB) regularly publishes the current limit, so an offer with a rate above it is unlawful. Compare offers by EKS and the total amount to repay (ukupan iznos): the EKS includes interest and all mandatory fees. A low EKS does not mean a free loan: if you pay late, default interest and collection costs are added.

What happens if you don’t repay a loan?

The debt will be reported to the HROK register (Hrvatski registar obveza po kreditima) and then recovered through enforcement (ovrha) by the financial agency FINA, which can freeze your bank account until the debt is paid in full. Banks and many lenders report to HROK, and you can request your own report through your bank.

Who can get a loan, and how do you avoid fraud?

The loans on this page are only available to residents of Croatia with a local bank account and documents. Before signing, the lender must give you a standard European form setting out the loan terms — check it against the advertised promises. If you are asked to pay up front to receive a loan, it is a sign of fraud.

Important information
Važna informacija

Banks and other credit institutions in Croatia are supervised by the Croatian National Bank (Hrvatska narodna banka), and borrowers’ rights are set out in the Consumer Credit Act. You can withdraw from the agreement within 14 days without giving a reason by repaying the amount plus interest for the days you had it. This page is for reference only and is not an invitation to borrow; AllCredits is not responsible for the consequences of dealing with these companies. If you fall behind, default interest is charged, the arrears are reported to HROK and the debt is recovered through FINA with an account freeze. Borrow only what you are sure you can repay.

AllCredits is an information catalogue: we do not lend money. The links on this page are affiliate links — if you take out a loan after clicking, the company may pay us a commission, but this does not change your terms. The Croatian section is still very small: it currently lists two lenders with identical terms, and new offers will appear as partners join. We have no rating for Croatia. Changes are shown in the “Latest updates” block. The details in the lender cards come from the companies’ own materials; check the current terms on their websites before signing.