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Forza review

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

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Our verdict

Forza is a direct lender in Bosnia and Herzegovina that pays out personal and payday loans the same day. It suits adults with regular income who need a BAM 100 to BAM 1,000 home improvement sum, though the 97.16% annual percentage rate is high next to the 15.5% median.

Key facts

Best for
A small personal loan for a planned household expense that has to be repaid quickly.
APR
97.16%↗
Loan amount
BAM 100 to BAM 1,000↗
Term
7 to 30 months↗
Arrangement fee
5% of the approved loan amount (plus 5 KM CRK report fee)↗
Credit check
Hard↗
Funding time
15 minutes to process; money available the same day↗
Representative example
Forza 1000 microcredit: 1000 KM repaid within 30 days, total payable 1055 KM (principal 1000 KM, nominal rate 0%, EKS 97.16%)↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Bosnia and Herzegovina citizens aged 18-75 with regular income, valid ID card, mobile phone and residence in BiH↗
Origination fee (%)
5%↗
Loan types
Personal, Payday↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
MKD "Digital Finance International" d.o.o. Banja Luka↗
Headquarters
Bosnia and Herzegovina↗
Founded
2016↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
forza.ba

Facts checked September 26, 2026, 6 sources

Pros and cons

Pros

  • Same-day funding is listed as a same day funding, and the stated decision step is short.
  • Repaying the loan early is free, so clearing the balance sooner adds nothing to the cost.
  • The rate is fixed under a fixed rate model, so a loan's cost does not drift after approval.
  • Support covers phone, chat and email, so a call, a chat or an email reaches the lender directly.

Cons

  • The 97.16% annual percentage rate sits far above the 15.5% median for lenders here.
  • Repayment terms run 7 to 30, which leaves little slack if income drops in a month.
  • A hard credit check and a good credit profile decide an application.
Forza

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults living in Bosnia and Herzegovina with regular income, a valid ID card and a mobile phone.
  • Borrowers who want a fixed rate, free early repayment and money the same day.
  • People funding home improvement work who need a small sum rather than a large purchase.

Who should look elsewhere

  • Anyone wanting a longer loan at a lower rate: Sofkredit quotes 10.74% to 18.06% across its term.
  • Borrowers comparing on headline rate: Cashspace advertises PHP 12 to PHP 36, well under the 97.16% here.
  • Borrowers needing a larger sum: Forza caps at BAM 100 to BAM 1,000, where Creduma ES starts at from €12,000.

The company behind it

Forza is a direct lender that trades as MKD "Digital Finance International" d.o.o. Banja Luka, with its headquarters in Bosnia and Herzegovina, and has been lending since 2016. One named company sits behind the loan, so the application, the decision and the repayments all stay with the same firm. Support runs through phone, chat and email, which means a call, a chat, an email or a help centre all reach the lender directly.

How Forza compares

Where Forza is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What rate do I pay on a Forza loan?+

Forza charges an annual percentage rate of 97.16% on its personal and payday loans. The rate is fixed and the model is fixed rate, so a loan's cost does not move once it is agreed. That figure is high next to the 15.5% median for lenders here.

What fees sit on top of the rate?+

Forza charges an origination fee of 5% of the approved loan amount (plus 5 KM CRK report fee), which is 5% of the approved loan amount. It applies once to the approved sum rather than to each instalment, and it sits apart from the 97.16% rate, so the total repayable runs above the headline rate on its own.

How much can I borrow, and over what term?+

Loans run BAM 100 to BAM 1,000 and repayments are scheduled across 7 to 30. That scale fits a planned expense, such as home improvement work, rather than a large purchase. The amount actually granted follows the credit assessment and the regular income shown on the application.

How quickly does the money arrive?+

The stated timetable is 15 minutes to process; money available the same day, and same day funding is listed for the product. That points to a short decision step and cash the same day, which matters when a repair bill or an invoice cannot wait for a normal bank transfer.

What credit check applies?+

The check is hard, and the profile described as good is the one most likely to be approved. A hard enquiry weighs the application against the credit file, so gaps there count against you. Regular income and valid identity documents are asked for alongside the score.

Who can apply for a Forza loan?+

Applicants must be adults resident in Bosnia and Herzegovina with regular income, a valid ID card, a mobile phone and a home in the country. Sums top out at BAM 100 to BAM 1,000, so the product is aimed at everyday household costs, such as home improvement work, rather than major borrowing.

Can I repay the loan early?+

Repaying early is free, so settling the balance ahead of schedule adds nothing to the cost. The fixed rate and the 7 to 30 term mean an early settlement simply reduces what is left to pay. That makes the loan easier to plan around a lighter month or a pay rise.

Sources

  • forza.ba checked September 26, 2026

    Backs: Features, Funding time, Use cases

  • forza.ba/about checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type

    “Mikrokreditnog društva "Digital Finance International" d.o.o., sa sjedištem u Banjaluci, Svetozara Markovića 5/11”

  • forza.ba/faq-page checked September 26, 2026

    Backs: Credit check, Credit needed, Loan types

  • forza.ba/how-to-apply checked September 26, 2026

    Backs: Eligibility

  • forza.ba/page-message checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “glavnica 1 000 KM, NKS 0 %, EKS 97.16 %”

  • forza.ba/start checked September 26, 2026

    Backs: Support channels

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Forza

Forza

A small personal loan for a planned household expense that has to be repaid quickly.

8.9/10See alternatives