m-loan

Cash loan is just a few clicks away

How to arrange a loan using the m-loan feature available in m-zaba?

  1. Update your m-zaba and start the loan application process by selecting the Cash Loan feature in online banking via the m-zaba mobile application.
  2. Select the desired loan amount and repayment tenor. Adjust the monthly payments to suit your financial situation.
  3. Give us some information about yourself, and we will send you an indicative proposal tailored to suit your specific financial situation*.
  4. Accept our proposal and set up a qualified electronic signature to sign the contractual documentation.
  5. The money is in your current account!**
  6. If you need a larger amount, up to EUR 40,000, your contractual documentation will be waiting for you at the branch. Once the relevant documents are certified by a notary public, the loan will be disbursed into your current account.

*If you are requested to provide proof of income, please arrange an appointment after you receive an indicative proposal, and then continue with the loan process. Have the documents with you when you come to the meeting.

**Provided Zagrebačka banka’s internal creditworthiness assessment criteria are met, clients who have been employed for at least 6 months and whose last 6 salaries have been paid into an account opened with the Bank will not be required to provide a Declaration of Consent to Seizure or a Promissory Note when arranging loans with a currency clause up to EUR 13,300 with a repayment term of up to 84 months.

You can check the terms of the loan you have arranged via your m-zaba at any time.
M-zaba provides an overview of the terms and conditions, balances, activities, and documents.

We offer you the possibility to arrange a cash loan with a currency clause pledged to EUR quickly and simply via m-zaba, with a fixed interest rate of 4.75% (EIR: 7.04%*) for loans with a repayment term of more than 60 months and 4.95% (EIR: 7.17%**) for loans with a repayment term of up to 60 months. The loans are arranged with credit protection insurance which ensures payment of loan obligations in case of unwanted and unexpected life situations.

*The effective interest rate (EIR) calculated for a loan in the amount of EUR 10,000 with a repayment term of 84 months, a fixed interest rate of 4.75%, including credit protection insurance and current account management fee, to be repaid in annuities.

**The effective interest rate (EIR) calculated for a loan in the amount of EUR 10,000 with a repayment term of 60 months, a fixed interest rate of 4.95%, including credit protection insurance and current account management fee, to be repaid in annuities.

Find out more about credit protection insurance.

Benefits

  1. Possibility of arranging a loan in online banking via the m-zaba mobile application in just a few steps.
  2. No visits to the Bank or a notary public required*
  3. No additional documentation required*
  4. Loans are approved in a matter of minutes, and the loan is disbursed as soon as the agreement is signed.*
  5. No loan application processing fee
  6. Documents are signed using a qualified electronic signature.*

*Provided Zagrebačka banka’s internal creditworthiness assessment criteria are met, clients who have been employed for at least 6 months and whose last 6 salaries have been paid into an account opened with the Bank will not be required to provide a Declaration of Consent to Seizure or a Promissory Note when arranging loans with a currency clause up to EUR 13,300 with a repayment term of up to 84 months.

A representative example is available in Documents.

Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. If you are a client of Zagrebačka banka, we suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

Your contact

Choose a branch for an appointment

Suggest a time for a meeting, and we will try to accommodate your request.
 

Postavke kolačića

Tehnički kolačići (neophodni)

Performansni kolačići (neobavezni)

Marketinški kolačići (neobavezni)

Tehnički kolačićiUvijek aktivni

Ovi kolačići su neophodni za funkcioniranje web stranice i ne mogu se isključiti u našem sustavu. Obično se postavljaju samo kao reakcija na vašu radnju koja predstavlja zahtjev za uslugom, kao što je postavljanje vaših postavki privatnosti, prijavljivanje ili popunjavanje obrazaca.

Kolačići koji se koriste:

JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama

PD_STATEFUL - kolačići sigurnosti sesije Server session security cookies

PD_SESSION-ID - jdinstveni Unique server session security cookie

PWSESSIONID – kolačić sesije poslužitelja

Parent_alive - kolačić sesije poslužitelja

Gtm_tracking - čuva korisnikov pristanak na praćenje

Option_set – čuva vrijednost za pokazivanje cookie bara

Zaba_performance- čuva posjetiteljev pristanak za bolje performance


Performansni kolačići

Ovi kolačići omogućuju nam da računamo posjete i izvore prometa, kako bismo mogli izmjeriti i poboljšati performanse naših stranica. Oni nam pomažu da znamo koje su podstranice najpopularnije ili najmanje posjećene, te kako se posjetitelji ponašaju po web stranici. Sve informacije koje ovi kolačići prikupljaju su agregirani a time i anonimizirani. Ako spriječite te kolačiće, nećemo znati kada ste posjetili našu web stranicu.

Kolačići koji se koriste:

ZABGN - postavke naslovnice ovisno o tome je li korisnik građanin ili pravna osoba

ZABRM - kolačić s vrijednošću korisnikovog web preglednika zbog boljih performansi


Marketinški kolačići

Ovi kolačići služe kao pomoć pri tumačenju internetskih aktivnosti korisnika te u svrhu marketinških aktivnosti, poput oglašavanja i remarketinga.

Kolačići koji se koriste:

1P_JAR - prikuplja statistiku web stranice i prati stopu konverzije Google.com/google.hr

CONSENT - postavke kolačića - google.com

DV - Google ad personalizacija - google.com

NID - Google ad personalizacija - google.com

IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. Google.com/ DoubleClick

ga - Google Universal Analytics postavlja jedinstveni ID koji se koristi za izračunavanje podataka za analitička izvješća

gid - koristi se za razlikovanje korisnika jednog od drugog.

Anj - Anj kolačić sadrži podatke koji označavaju da li se ID kolačića sinkronizira s našim partnerima. ID sinkronizacija omogućuje našim partnerima korištenje svojih podataka izvan platforme na platformi.

uuid2 - Ovaj kolačić sadrži jedinstvenu, slučajno generiranu vrijednost koja Platformu omogućuje razlikovanje preglednika i uređaja.

Sess - Kolačić sesije sadrži jednu ne-jedinstvenu vrijednost: "1". Platforma se koristi za testiranje je li preglednik konfiguriran za prihvaćanje kolačića iz aplikacije AppNexus.

Icu - Kolačić se koristi za odabir oglasa i ograničavanje broja prikaza određenog oglasa. Sadrži informacije poput broja prikaza oglasa, nedavnog prikazivanja oglasa ili broja prikazanih oglasa

Uid - jedinstveni identifikator

cid - Cookie id (legacy) – jedinstveni identifikator

Facebook - prati konverzije FB oglasa, optimizira oglase, gradi ciljanu publiku i radi remarketing

HotJar - prikuplja informacija o ponašanju korisnika i njihovim uređajima