m-loan

Take advantage of reduced interest rates in Zaba until June 1, 2025, and simply finance your needs or wishes.

• Fixed interest rate of 5.19% loans with life insurance for loan repayment,
• Fixed interest rate of 5.69% loans without life insurance for loan repayment
• Up to EUR 20,000 without visiting a notary public.

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

1. Log in to 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 an indefinite period 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 up to EUR 15,000 with a repayment term of up to 84 months. For clients who have been receiving a salary from the Bank for the last 12 months, the loan amount can be up to EUR 20,000, provided that all the previously stated conditions are met.

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.

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 an period 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 up to EUR 15,000 with a repayment term of up to 84 months. For clients who have been receiving a salary from the Bank for the last 12 months, the loan amount can be up to EUR 20,000, provided that all the previously stated conditions are met.

A representative example is available in Documents.