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Tvojkredit.rs 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

Tvojkredit.rs suits Serbian residents who want a fixed-rate personal loan with the numbers in front of them. Its APR is 6.5%, the rate is fixed for the whole term, and Decision within 24h and fast payout of funds, so both the yearly cost and the payout speed are easy to judge before applying.

Key facts

Best for
Serbian residents wanting a fixed-rate personal loan, an arrangement fee of 0 RSD and Decision within 24h and fast payout of funds.
APR
6.5%↗
Loan amount
RSD 50,000 to RSD 5,000,000↗
Term
12 to 71 months↗
Arrangement fee
0 RSD↗
Credit check
Hard↗
Funding time
Decision within 24h and fast payout of funds↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
No↗
Eligibility
Applicants over 18; Serbia residents↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car, Business, Secured↗
Credit needed
Poor↗
Headquarters
Serbia↗
Support channels
Phone, Email, Chat↗
Pricing model
Fixed rate
Official website
tvojkredit.rs

Mortgages

Initial rate
6.5%↗
Fixed period
1 to 5.92 years↗
Product fee
RSD 0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • Terms run 12 to 71 at a fixed rate, so the monthly amount does not shift with the market.
  • Loan types cover personal, debt consolidation and car.
  • Help is offered over phone, email and chat.
  • Eligibility is open to adults who are Serbia residents.

Cons

  • Free early repayment is no, so clearing the balance ahead of schedule is not free of charge.
  • The credit check is hard and the credit needed is poor, which narrows who is likely to be accepted.
  • It works as a broker (broker), so the final offer comes from a partner lender rather than from one named bank.

Ready to try Tvojkredit.rs?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Serbian residents who want a fixed-rate personal loan and a clear fee picture.
  • Borrowers whose loan sits in the RSD 50,000 to RSD 5,000,000 range rather than a small payday sum.
  • People who prefer fixed pricing, since the rate is fixed.

Who should look elsewhere

  • Cashspace, whose APRs of PHP 12 to PHP 36 sit in a different rate market, if you want to compare outside Serbia.
  • Sofkredit, whose APRs run 10.74% to 18.06%, if you want to see how far a fixed rate moves in another market.
  • Creduma ES, whose loans start at from €12,000, if a different currency and minimum ticket suit you better.

Who runs it

Tvojkredit.rs is headquartered in Serbia, so the service is built around a single market rather than a spread of countries, and the currency, credit market and paperwork all follow local practice. Borrowers are reached through phone, email and chat, which covers phone, email and chat, so a question can be settled by voice, in writing, or in a live conversation.

How Tvojkredit.rs compares

Where Tvojkredit.rs is available

Available
Serbia

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

Frequently asked questions

What does it cost to borrow from Tvojkredit.rs?+

The advertised rate is 6.5%, and the arrangement fee is 0 RSD. Product fees are listed at RSD 0, with a percentage-based fee of 0%, so the interest rate is the main cost on this loan.

How much can I borrow, and for how long?+

The amount available runs RSD 50,000 to RSD 5,000,000, and the term runs 12 to 71. The rate stays fixed for 1 to 5.92, so the length of the fixed window is known before you agree, and the balance is repaid across the term.

Is the interest rate fixed or variable?+

The rate is fixed, and the product model is fixed rate. The rate shown is 6.5%, which gives a single figure to compare against other lenders rather than a range that moves. That makes budgeting easier across the life of the loan.

Can I repay the loan early without a charge?+

Free early repayment is no, so clearing the balance ahead of schedule is not free of charge. Someone who expects their income to rise, or who may want to move the debt elsewhere later, should weigh that against the appeal of a fixed rate before they apply.

Who can apply, and what credit is needed?+

Applicants need to be adults and Serbia residents. The credit check is hard and the credit needed is listed as poor, so a thin credit file is the expected starting point rather than a strong one. Anyone building credit history goes down the same route.

How quickly is the money paid out?+

The service describes itself as offering Decision within 24h and fast payout of funds, so the answer arrives quickly and the payout follows fast once a decision is made. Speed is among the stronger points here, especially for anyone covering an urgent bill rather than planning ahead.

How do I get in touch with the company?+

Support runs on phone, email and chat, so a question can go by phone, by email or in a live chat. Having a chat option alongside phone and email means a borrower can get a quick answer without having to call during office hours.

Is Tvojkredit.rs the lender, or does it pass the application on?+

It works as a broker, so an application is placed with a partner rather than funded by a named lender itself. The products it handles include personal, debt consolidation and car, and the stated purposes are purchase and remortgage.

Sources

  • tvojkredit.rs checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Fixed period, Initial rate, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Product fee, Purpose, Rate type, Term

    “Iznos kredita ... 50.000 RSD - 5.000.000 RSD”

  • tvojkredit.rs/kontakt checked September 26, 2026

    Backs: Headquarters, Support channels

    “Adresa: Ćuprija, Srbija”

  • tvojkredit.rs/o-nama checked September 26, 2026

    Backs: Funding time

    “Odluka za 24h i brza isplata sredstava.”

  • tvojkredit.rs/uslovi checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment

    “Odobravanja kredita podležu proveri i odobrenju banke partnera.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Tvojkredit.rs

Serbian residents wanting a fixed-rate personal loan, an arrangement fee of 0 RSD and Decision within 24h and fast payout of funds.

8.9/10See alternatives