CONSUMER LOAN

Take advantage of special offer of consumer loans.

 

Repayment period

up to 10 years

with fixed or variable interest rate in line with the Bank's business policy.

Payment

Whole payment

in cash.

Amount of the loan (based on creditworthiness)

Unlimited

40 EUR lowest monthly installment.

INFORMATIVE CALCULATION

Check the loan conditions and let us know about your wishes and needs. We will do our best to satisfy your wishes.

3.000 EUR loan

for as low as

132,15 EUR per month

Fixed interest rate: 5,40 %
Repayment period: 24 mesecev
Details of the calculation

20.000 EUR loan

for as low as

290,26 EUR per month

Fixed interest rate: 5,80 %
Repayment period: 84 mesecev
Details of the calculation

LOAN FEATURES

Some wish one thing, others dream of another. A consumer loan is the deed that can get you anything you need.

​Comparison of loans

​Add the loans which you would like to compare. The comparison enables a quick overview of key characteristics.

CONSUMER LOAN

CONSUMER LOAN

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Frequently asked questions

What is the documentation required for loan application?

Bank customers who have been receiving income into a personal account with SKB for three months or longer can apply for a loan of up to two years by filling out a loan approval application, which can also be submitted through SKB NET. Longer term loans require a salary verification letter issued by the employer.
Customers who do not receive income on an SKB account must also attach an administrative prohibition of payments (2 copies), also certified by the employer, and a certificate from their parent bank on account transactions for the last 6 months.
Pensioners must submit their last two ZPIZ (Pension and Disability Insurance Institute of Slovenia) statements in lieu of an employer-issued salary verification letter.

How much can I borrow - how is my creditworthiness determined?

Your creditworthiness varies depending on the type of loan, insurance, and on your personal income.
Once you have been granted a loan, your income must remain within the limits set by the Slovenian Claim Enforcement and Security Act (Zakon o izvršbi in zavarovanju). Your debt-to-income ratio must remain in the 33% to 50% range.

Can I pay off a loan early?

You may pay off the full amount of your loan or part of your loan early at any time after the start of the loan repayment period. The early loan repayment penalty is determined by the Slovenian Consumer Credit Act (Zakon o potrošniških kreditih). Early loan repayment is currently free for all variable rate loans and all repayments done within one year up to the amount of 10,000 EUR.
If you opt for early partial loan repayment, you have to decide between a shorter remaining repayment period or smaller installments.

Is it possible to get a loan without additional insurance?

Clients who receive their income on a bank account held with SKB can be granted a cash loan of up to a limited amount and a limited maturity, without additional collateral, subject to a decision by the Bank’s outlet that approves the loan. The decision depends on the client's credit rating and the type and amount of the loan. 

Other possible insurance options are:

  • a creditworthy guarantor,
  • a mortgage or
  • a term deposit.

Who can obtain a cash loan?

Residents (citizens of the Republic of Slovenia and foreign citizens). Non-residents (foreigners with a work or residence visa for at least 6 months) can only take out a loan, of they also take out a special insurance.

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Make an appointment with an individual relationship officer

Your individual relationship officer will wait for you in the outlet on the agreed upon date and time. 
With his help, you will be able to arrange everything quickly and easily.

Make an appointment or Send an inquiry

It's good to know
whom you trust your finances

SKB bank

  • Excells in safety, stability and reliability in Slovene banking space.
  • Part of OTP Group, one of the biggest and most stable financial services providers in Central and Eastern Europe.
  • Trusted by more than 200.000 clients.

What do our clients say about us?

Digital banking

With mobile and online bank, you can arrange as many as 53 different tasks without visiting the bank:

  • Submitting application for approval of extra overdraft facility.
  • Submitting application for order of quick loan.
  • Submitting application for obtaining 
    Mastercard / Visa credit card.
  • Paying and receiving invoices and e-invoices.
  • Overview of balance and spending.

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