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Car loans

Loans for purchasing new or used vehicles have the following conveniences:

  • Regular interest rate starting from 8.80% with currency clause in EUR (EIR 10.89%*)
  • Number of loan models with and without guarantors, with lien over the ownership of vehicle
  • Loan amount up to 50,000.00 EUR in countervalue in KM for new vehicles or up to 30,000.00 EUR in countervalue in KM for used vehicles
  • Great number of collateral combinations in accordance with client's possibilities
  • Special conditions for loans based on term special-purpose deposit in the amount of 30% of granted loan amount
  • Payment of fee, deposit and other collaterals from granted loan
  • Selection of repayment date of monthly annuities at any date in the first half of month

Loan beneficiaries

  • BiH residents with regular monthly income and BiH citizens working abroad with or without regular monthly income, with the obligation of having creditworthy solidary debtor who is BiH resident having regular monthly income
  • As at the final loan due date, loan beneficiary, solidary debtor and solidary guarantor shall not be older than 70

Loan purpose

  • Purchase of new or used vehicles, commercial vehicles, scooters, bikes, tractors and ski jets by legal entity or individual. In terms of purchase of used vehicles, the vehicles shall not be older than 5 years at the moment of purchase.

Loan amount

  • for new vehicles up to 50.000 EUR in KM countervalue
  • for used vehicles up to 30.000 EUR in KM countervalue

Loan repayment period

  • up to 7 years for new vehicles
  • up to 5 years for used vehicles

Interest rate by loan

  • Depending on collaterals, annual variable interest rate for loans with currency clause in EUR

Type of vehicle/collateral


Lien and comprehensive car insurance

Lien and solidary guarantors

Lien and 30% deposit

Lien, solidary guarantors and comprehensive car insurance

Loan for purchasing new vehicle

EIR 10.64%*

EIR 10.31%*

EIR 10.47%*

EIR 10.09%*

EIR 9.87%*

For used vehicle

EIR 10.89%*

EIR 10.56%*

EIR 10.78%*

EIR 10.45%*

EIR 10.34%*

* Effective interest rate being calculated for maximum loan amount, maximum loan repayment and maximum fee for loan processing


  • 2.00% of granted loan amount


  • certified documents on account foreclosure upon consent of all loan participants
  • blank bills of exchange signed by all loan participants
  • lien over vehicle
  • certified statement on enforcement of Lien Agreement by loan beneficiary
  • insurance policy of motor vehicle (comprehensive car insurance without deductible) secured in favour of the Bank – mandatory collateral for loan over 10,000.00 EUR in KM countervalue
  • taken certificate of title to a vehicle – loan beneficiaries as vehicle owners shall give the Bank the certificate of title, ensuring that vehicles owners will not sell the pledged vehicle without the Bank's knowledge and consent
  • in terms of used vehicles, appraisal of value of vehicle has to be submitted, not older than 90 days
  • solidary guarantors
  • possible combinations of collaterals
  • The Bank retains its rights to ask for additional collateral depending on criteria for risk assessment (company where the loan applicant works, credit history of loan applicant) or to reject the client due to information available to the Bank

Securing the loan with special-purpose deposit

  • Instead of the enumerated collaterals, loan beneficiary may, as a loan collateral, deposit the special-purpose deposit in the amount of 30% of granted loan amount. In this case, the Bank will not ask for solidary guarantors, while the lien and insurance of the movable remains mandatory depending on loan model. The deposit is placed with special-purpose with repayment period and interest rate in accordance with Bank's valid acts defining special-purpose term deposits with the clause that this deposit serves as collateral and that it cannot be made available until the loan is completely repaid, unless it is used for early, definite, loan repayment.

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