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UzmiNovac na rate review

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

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Our verdict

UzmiNovac na rate makes personal loans of BAM 100 to BAM 4,000 in Bosnia and Herzegovina and funds them in 15 minutes. It suits an adult with a valid ID card or passport who needs a small sum quickly, but an annual rate of 520.4% puts it near the wrong end of the cost ranking.

Key facts

Best for
A small, quick personal loan in Bosnia and Herzegovina with no upfront fee.
APR
520.4%↗
Loan amount
BAM 100 to BAM 4,000↗
Term
2 to 16 months↗
Arrangement fee
0 BAM↗
Funding time
15 minutes↗
Representative example
Loan of 1700 KM over 15 months, EKS 520.40%, NKS 179%↗
Lender type
Direct lender↗
Eligibility
Ages 18 to 85 with a valid ID card or passport↗
Origination fee (%)
0%↗
Loan types
Personal↗
Legal entity
FLEX CREDIT d.o.o. Banja Luka↗
Headquarters
Bosnia and Herzegovina↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
uzminovac.ba

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • No arrangement fee: the origination fee is 0 BAM and the percentage fee is 0%.
  • Fast payout, with funding in 15 minutes and same day funding listed among its features.
  • A regulated direct lender: direct lender under the Banking Agency of Republika Srpske, contracting as FLEX CREDIT d.o.o. Banja Luka.
  • Support runs on email, phone and help centre, covering phone, email and a help centre.

Cons

  • An APR of 520.4% places the brand at 329 of 338 brands ranked on cost, near the bottom.
  • Repayment terms run 2 to 16, well short of the 36 median term in the personal loans ranking.
  • Lending centres on personal loans from a BA based lender, so it is a single market choice.
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Who it suits

  • Borrowers in Bosnia and Herzegovina who hold a valid ID card or passport and meet a minimum age.
  • Anyone who needs a modest personal loan in 15 minutes rather than a large facility.
  • People who want to keep setup costs away, with an origination fee of 0 BAM.

Who should look elsewhere

  • Borrowers chasing a low rate should weigh Sofkredit at 10.74% to 18.06% and Cashspace at PHP 12 to PHP 36 first.
  • Borrowers after a larger sum, since Creduma ES deals from from €12,000.
  • Anyone needing a longer repayment window, given terms of 2 to 16 against a 36 median term in the personal loans ranking.

How UzmiNovac na rate compares

Where UzmiNovac na rate is available

Available
Bosnia and Herzegovina
Licence in Bosnia and Herzegovina
Agencija za bankarstvo Republike Srpske (Banking Agency of Republika Srpska) (03-71-3/22), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on this loan?+

The stated annual rate is 520.4%, which is a cost a borrower should treat with care. Across the personal loans ranking on the site the median APR is 14.43% and the upper quartile is 25.09%, so this price sits above almost every comparison.

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

Loan amounts cover BAM 100 to BAM 4,000 with terms of 2 to 16. That makes it a small, short personal loan, suited to an unplanned cost you expect to clear quickly rather than a large renovation or a consolidation balance.

Is there an arrangement or origination fee?+

The origination fee is 0 BAM and the percentage based fee is 0%, so there is no upfront charge listed for taking the loan out. The cost therefore sits in the interest you repay over 2 to 16, not in setup fees.

Who can apply, and who signs the contract?+

Applicants need to be adults and to hold a valid ID card or passport. The contract sits with the legal entity behind the brand, FLEX CREDIT d.o.o. Banja Luka, a direct lender based in Bosnia and Herzegovina, and personal loans are what it offers.

How quickly is the money paid out?+

Funding takes 15 minutes, and same day funding is listed among the product features. That speed is the main draw for an urgent cost, and it applies to the personal loans this lender makes rather than to any longer term facility.

Is the lender regulated?+

It is a direct lender licensed by the Banking Agency of Republika Srpske in Bosnia and Herzegovina, and the contract sits with FLEX CREDIT d.o.o. Banja Luka. That regulator supervises lenders in the market, so the licence record is the detail to check before applying.

How do I get help?+

Support runs on email, phone and help centre. Phone and email sit alongside a help centre, so a question can go in writing and be picked up later, and the same channels handle questions about a loan that is already running.

Sources

  • uzminovac.ba checked September 26, 2026

    Backs: Support channels

    “Feel free to contact us by phone on 051 30 30 30 or by e-mail.”

  • uzminovac.ba/krediti/kredit-na-rate checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Arrangement fee, Origination fee (%), Representative example, Term

    “UZMI NOVAC na rate: loan amount from 100 KM to 4,000 KM”

  • uzminovac.ba/o-nama checked September 26, 2026

    Backs: Features, Funding time, Headquarters, Legal entity, Lender type, Loan types, Licences

    “You receive your funds in cash within 15 minutes.”

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

Not confirmed yet: Credit check.

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UzmiNovac na rate

UzmiNovac na rate

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