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EKI review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

EKI suits Bosnia and Herzegovina borrowers after a fixed-rate personal loan for home improvement or another eligible purpose. Ekspres pozajmice carries no processing fee, and the lender has worked in the country since 1996. Applications go to the lender directly, and a hard credit check applies.

Key facts

Best for
Small, fixed-rate personal borrowing and home improvement in Bosnia and Herzegovina.
APR
24.97% to 25.59%↗
Loan amount
BAM 300 to BAM 3,000↗
Term
3 to 18 months↗
Arrangement fee
0 BAM (no processing fee on Ekspres pozajmice)↗
Credit check
Hard↗
Funding time
2-3 business days after complete documentation is submitted↗
Representative example
Ekspres pozajmice 3.000 KM, rok otplate 18 mjeseci, NKS 22,50%, troškovi obrade 0,00%, EKS FBiH 24,97%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Adult BiH citizens with residence in BiH, no more than 75 years old at final loan repayment, provable income and clean credit history in the Central Credit Register; legal entities registered in BiH↗
Origination fee (%)
0%↗
Loan types
Personal, Car, Business, Debt-consolidation, Secured↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Legal entity
Mikrokreditna fondacija EKI↗
Headquarters
Bosnia and Herzegovina↗
Founded
1996↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
mkfeki.ba

Mortgages

Initial rate
22%↗
APRC
25.57%↗
Fixed period
5 years↗
Product fee
BAM 6 to BAM 200↗
Purpose
Purchase, Home-equity↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Ekspres pozajmice has no processing fee, shown as 0 BAM (no processing fee on Ekspres pozajmice).
  • Personal loans run on a fixed rate, so the instalment does not move.
  • Lending covers personal, car and business from a direct lender.
  • Support runs on email, chat and phone.

Cons

  • Free early repayment is not offered, so settling early does not cut the cost.
  • Terms run only 3 to 18, which suits small needs rather than a large purchase.
  • Home loans carry a product fee of BAM 6 to BAM 200 and an annual rate of cost of 25.57%.

Ready to try EKI?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Adults in Bosnia and Herzegovina with provable income, a clean Central Credit Register record and fair credit who need a small personal loan.
  • Borrowers after fixed-rate personal, car, business, debt-consolidation or secured lending from a direct lender.
  • Homeowners planning improvements who can wait 2-3 business days after complete documentation is submitted for the money to arrive.

Who should look elsewhere

  • Cashspace, whose personal loan APR is PHP 12 to PHP 36, for borrowers after a lower headline rate.
  • Sofkredit, whose APR runs 10.74% to 18.06%, for anyone comparing cheaper rates.
  • Creduma ES, which lends from from €12,000, for a much larger sum.

Who runs it

Mikrokreditna fondacija EKI is the legal entity behind EKI, a direct lender based in Bosnia and Herzegovina (BA) and working since 1996. Support runs through email, chat and phone: email, chat, phone and a help centre. Borrowers reach the foundation itself rather than a broker or a comparison site, with a single point of contact for applications.

How EKI compares

Where EKI is available

Available
Bosnia and Herzegovina

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does an Ekspres pozajmice from EKI cost?+

Ekspres pozajmice carries an origination fee of 0 BAM (no processing fee on Ekspres pozajmice) and a percentage fee of 0%. The rate is fixed and the borrowing APR is 24.97% to 25.59%, so interest makes up the larger part of what a borrower repays.

How much can I borrow from EKI and over what term?+

Personal loans are offered in amounts of BAM 300 to BAM 3,000 over terms of 3 to 18. A shorter schedule cuts the total interest, and because the rate is fixed the instalment does not rise during the term.

What credit check and credit history does EKI need?+

EKI runs a hard credit check and lists fair credit as the requirement. Applicants also need provable income and a clean record in the Central Credit Register, so past defaults weigh against a file.

How long does EKI take to fund a loan?+

Funding takes 2-3 business days after complete documentation is submitted. That clock starts only once a complete set of documents is in, so a missing payslip or proof of income pushes the money back well beyond the headline period.

Can I repay an EKI loan early?+

Free early repayment is not offered. A borrower who clears the balance ahead of schedule still meets the charges set out in the agreement, so the full rate over the full term is the figure to budget for.

Who can apply to EKI?+

Applicants must be adult citizens of Bosnia and Herzegovina resident there, with provable income, a clean Central Credit Register record and a stated age cap at final repayment. Legal entities registered in Bosnia and Herzegovina can also borrow.

Which kinds of loan does EKI make?+

Lending covers personal, car and business products, and the Ekspres pozajmice personal loan is aimed at home improvement. Rates are fixed, so the instalment stays level for the whole term and never reprices.

Does EKI lend for homes, and what do those loans cost?+

Home loans open at an initial rate of 22%, with an annual rate of cost of 25.57% over a fixed period of 5 and a product fee of BAM 6 to BAM 200. Stated purposes are purchase and home equity.

Sources

  • mkfeki.ba checked September 26, 2026

    Backs: Support channels

    “Kontaktirajte EKI službenika putem chata ... office@eki.ba ... Zakažite poziv ... ČPP”

  • mkfeki.ba/cesto-postavljana-pitanja checked September 26, 2026

    Backs: Credit needed, Free early repayment, Funding time

    “Kada zatvara kredit, a ne uzima novi, klijent plaća troškove zatvaranja kredita”

  • mkfeki.ba/ekspres-pozajmice-mkf checked September 26, 2026

    Backs: Loan amount, APR, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “EKS FBiH/DB/RS 25,59% 24,97%”

  • mkfeki.ba/kako-postati-eki-klijent-mkf checked September 26, 2026

    Backs: Credit check, Eligibility

  • mkfeki.ba/kreditni-kalkulator-mkf checked September 26, 2026

    Backs: Loan types

    “Ekspres pozajmice, Krediti za domaćinstvo, Stambeni krediti, Robni krediti, Krediti za nabavku automobila, Startup krediti, Krediti za poljoprivredu, Krediti za refinansiranje”

  • mkfeki.ba/o-mikrokreditnoj-fondaciji-eki checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type

    “MKF EKI Sarajevo, Bihaćka 17, Sarajevo, 71.000 Sarajevo, Bosna i Hercegovina”

  • mkfeki.ba/stambeni-krediti-mkf checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Product fee, Purpose

    “Stambeni krediti, 10.000 KM, 60 mjeseci, NKS 22,00%, troškovi obrade 2,00%, EKS FBiH/DB/RS 25,57%”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

EKI

Small, fixed-rate personal borrowing and home improvement in Bosnia and Herzegovina.

9.1/10See alternatives