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Evaloan.ba review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Evaloan works in Bosnia and Herzegovina as a broker rather than a bank, arranging personal and secured loans of BAM 10,000 to BAM 2,000,000 over terms of 6 to 360. It suits residents of the country who want an origination fee of 0 BAM and a product fee of BAM 0.

Key facts

Best for
Personal or secured borrowing in Bosnia and Herzegovina with an origination fee of 0 BAM.
Loan amount
BAM 10,000 to BAM 2,000,000↗
Term
6 to 360 months↗
Arrangement fee
0 BAM↗
Lender type
Broker↗
Eligibility
Applicant answers questions on income and debts to meet basic conditions; the bank makes the final decision; loans offered to Bosnia and Herzegovina residents↗
Loan types
Personal, Secured↗
Use cases
Home-improvement↗
Legal entity
Evaloan d.o.o.↗
Headquarters
Bosnia and Herzegovina↗
Support channels
Email, Phone↗
Official website
evaloan.ba

Mortgages

Product fee
BAM 0↗
Purpose
Purchase↗

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • Origination fee of 0 BAM and product fee of BAM 0 on both loan types.
  • Loan amounts of BAM 10,000 to BAM 2,000,000 with terms of 6 to 360.
  • Personal and secured loans aimed at purchase and home improvement.
  • Help by email and phone.

Cons

  • It is a broker rather than the lender, so the bank makes the final decision once you answer questions on income and debts.
  • Support runs on email and phone only.
  • The stated purpose is purchase with home improvement the listed use case, so other reasons for borrowing are not the focus.
Evaloan.ba

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Scored 8.6 / 10 by SumCue.

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Who it suits

  • Residents of Bosnia and Herzegovina who want a home improvement loan or a purchase financed through a broker.
  • Borrowers who prefer terms spread over 6 to 360 and accept that a bank sets the final amount.
  • People who would rather have a broker choose the lender than apply to one bank directly.

Who should look elsewhere

  • Cashspace, whose loan amounts of PHP 500 to PHP 25,000 sit in a different currency and market.
  • Creduma ES, which works from amounts of from €12,000 in euro rather than the local currency.
  • Sofkredit, whose amounts of €12,000 to €300,000 serve a euro market rather than the BAM sums arranged here.

The company behind it

Evaloan d.o.o. is the legal entity behind the lending, and it sits in Bosnia and Herzegovina. It is a broker, so the bank makes the final decision on any application rather than Evaloan itself. Support runs on email and phone. Check the legal entity name on the agreement before you sign, since the contract sits with the bank you are introduced to.

How Evaloan.ba compares

Where Evaloan.ba is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What does it cost to take out a loan through Evaloan?+

The origination fee is 0 BAM and the product fee is BAM 0, so both sit at nothing on the personal and secured loans. Interest is the cost to weigh instead. As a broker, Evaloan introduces you to a bank, and that bank sets the rate on the application.

How much can I borrow?+

Amounts run BAM 10,000 to BAM 2,000,000, which covers a home improvement project as well as a purchase, and the same range applies to personal and secured loans. You answer questions on income and debts, and the bank decides what it will offer, so treat the figure as a guide rather than a promise.

How long can the repayment run?+

Terms run 6 to 360, so you can spread a purchase over the longer end or keep the window short for a smaller project. A short term suits anyone who wants the debt gone quickly, while a longer one lowers the instalment. The bank makes the final call on what it offers.

Does Evaloan lend directly or through a partner?+

Evaloan is a broker, not the lender, and the legal entity behind the service is Evaloan d.o.o.. It arranges personal and secured loans, you answer questions on income and debts to meet basic conditions, and a bank makes the final decision. The contract you sign is with that bank.

Who can apply and where do loans reach?+

Loans are offered to residents of Bosnia and Herzegovina, and the company sits in Bosnia and Herzegovina. Eligibility rests on answering questions about your income and debts to meet basic conditions. Approval is not automatic, because the bank decides and the answers you give shape what you are shown.

Can I speak to someone about my application?+

Support runs on email and phone, so you can pick up the phone or send an email. That covers questions about an application, a repayment date or the legal entity named on your paperwork. Since a bank makes the final decision, it is the bank that needs your answers before anything is confirmed.

What is the loan meant to cover?+

The stated purpose is purchase, and the listed use case is home improvement. Personal and secured loans can both cover that kind of work, so a renovation can be arranged unsecured or against security. If your plan sits outside purchase and renovation, the bank will want to know before it offers a rate.

Sources

  • evaloan.ba checked September 26, 2026

    Backs: Eligibility

  • evaloan.ba/contact checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Evaloan d.o.o.”

  • evaloan.ba/loan checked September 26, 2026

    Backs: Loan amount, Lender type, Loan types, Arrangement fee, Product fee, Purpose, Term, Use cases

    “Visina kredita 10.000 KM - 2.000.000 KM (Housing loan calculator)”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Funding time, Representative example.

Related by the facts

Evaloan.ba

Evaloan.ba

Personal or secured borrowing in Bosnia and Herzegovina with an origination fee of 0 BAM.

8.6/10See alternatives