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ZAZA.ba review

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

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Our verdict

ZAZA.ba is a Bosnian marketplace that sets personal, car, student, secured and credit line offers side by side, with cash loans at 6.6% and a credit line feature on top. It suits residents of Bosnia and Herzegovina with regular income who want to compare lenders without a credit check.

Key facts

Best for
Comparing Bosnian cash loans, credit lines and fixed savings in a single place.
APR
6.6%↗
Loan amount
up to BAM 50,000↗
Term
60 months↗
Arrangement fee
0 BAM↗
Credit check
None↗
Representative example
Gotovinski kredit 15.000 KM, 60 mjeseci, rata 280,94 KM, NKS 4.69%, EKS 6.6%, ukupno 16.856,58 KM↗
Rate type
Fixed↗
Lender type
Marketplace↗
Eligibility
Residents of Bosnia and Herzegovina; usually personal ID card, CIPS registration and proof of regular income↗
Loan types
Personal, Car, Debt-consolidation, Student, Secured, Credit-line↗
Legal entity
OMEG d.o.o.↗
Headquarters
Bosnia and Herzegovina↗
Support channels
Email, Chat, Phone↗
Pricing model
No monthly fee, Fixed rate
Features
Credit line
Official website
zaza.ba

Savings

Headline rate
1.1%↗
Access terms
Term savings can be broken early before maturity, but you usually lose part or all of the contracted interest.↗
Monthly fee
BAM 0↗
Account kind
Fixed↗

Mortgages

Initial rate
3.39%↗
Fixed period
20 years↗
Product fee
BAM 0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 7 sources

Pros and cons

Pros

  • Cash loans priced at 6.6% sit well below the site APR median of 15.5%, and the origination fee is 0 BAM.
  • The credit check is none, so an application does not hinge on a formal credit file, and the monthly fee is BAM 0.
  • Support runs on email, chat and phone, and the savings side is a fixed account paying 1.1%.
  • Loan terms reach 60 on the cash products, and mortgages open at an initial rate of 3.39% fixed for 20.

Cons

  • Applicants must be residents of Bosnia and Herzegovina and hold a personal ID card, CIPS registration and proof of regular income.
  • Savings can be closed before they mature, but taking the balance out early usually means losing some or all of the interest already agreed.
  • The lender kind is marketplace, so the rate you are offered and the approval itself sit with a partner rather than the site.
ZAZA.ba

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Residents of Bosnia and Herzegovina with a CIPS registration and regular income who want several lenders compared in a single place.
  • Borrowers who want a credit line next to a fixed cash loan, plus savers happy to lock money into a fixed account at 1.1%.
  • People comfortable with a marketplace model, where a partner lender decides the rate and the approval.

Who should look elsewhere

  • Rate shoppers after the cheapest credit: Sofkredit prices at 10.74% to 18.06%, above the 6.6% quoted here.
  • Borrowers outside the local market: Cashspace works in Philippine pesos at PHP 12 to PHP 36, so it is a different proposition.
  • People needing far larger sums than a typical personal loan: Creduma ES sets its minimum lending at from €12,000, which suits bigger tickets.

Who runs it

ZAZA.ba is run by OMEG d.o.o., headquartered in Bosnia and Herzegovina, which puts the operation inside the local market rather than outside it. It works as a marketplace, so the site puts several lenders side by side instead of lending itself, and help is offered on email, chat and phone. For a resident, that means a local place to check terms, ask questions and then apply.

How ZAZA.ba compares

Where ZAZA.ba is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What does it cost to borrow through ZAZA.ba?+

The cash loan APR is 6.6%, and the origination fee is 0 BAM. The monthly fee is BAM 0, so the visible cost sits in the rate rather than in separate charges. A representative example is published for the cash loan, giving the instalment and the total repaid at the same effective rate.

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

Cash loans are capped at up to BAM 50,000 with a term of 60, and the mortgage route covers purchase and remortgage at an initial rate of 3.39%. Loan types listed include personal, car, debt consolidation, student, secured and a credit line, so a revolving option sits alongside the fixed loans.

Does ZAZA.ba run a credit check?+

No formal credit check is listed, and the lender kind is marketplace, so approval sits with the partner lender rather than the site. Applicants are residents of Bosnia and Herzegovina with a personal ID card, CIPS registration and proof of regular income, which makes the paperwork side of the application the deciding factor.

What savings does ZAZA.ba offer?+

The savings side is a fixed account paying 1.1%, which is fixed rather than variable. Early access is possible: the account can be closed before maturity, but withdrawing then usually means losing part of the interest agreed, so it rewards money you can leave in place.

Who runs the site, and how do I get help?+

ZAZA.ba is operated by OMEG d.o.o. in Bosnia and Herzegovina, so the company behind the site is the one listed locally. Questions go to the team on email, chat and phone. As a marketplace rather than a lender, it presents offers from others and leaves the lending itself to them.

Which borrowers does ZAZA.ba suit?+

Residents of Bosnia and Herzegovina with a regular income who want several lenders compared in a single place rather than visiting each one. The mix of personal, car, student, secured, consolidation and credit line products suits people with more than one borrowing need, and the fixed savings account at 1.1% suits people with money to place for a known period.

Can I take out a mortgage through ZAZA.ba?+

Yes for purchase and remortgage. The mortgage route starts at an initial rate of 3.39% and stays at that level for a fixed period of 20, which is long enough to plan around. Those terms sit alongside the cash loan products on the same site, so both can be weighed before committing.

Sources

  • zaza.ba checked September 26, 2026

    Backs: APR, Features, Lender type, Loan types, Arrangement fee, Representative example, Support channels

    “Gotovinski kredit: EKS (okvirno) 6.6% uz iznos 15.000 KM i period 60 mjeseci”

  • zaza.ba/gotovinski-krediti checked September 26, 2026

    Backs: Loan amount, Eligibility, Term

    “Period otplate 60 mj. - Okvirna mjesečna rata 280,94 KM”

  • zaza.ba/kako-rangiramo checked September 26, 2026

    Backs: Credit check

    “ZAZA.ba nije banka niti finansijska institucija, ne odobrava kredite, ne provjerava kreditni registar (CRK)”

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

    Backs: Headquarters, Legal entity

    “Proizvod agencije OMEG d.o.o. ZAZA.ba razvija i održava OMEG d.o.o.”

  • zaza.ba/orocena-stednja checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Pricing model, Rate type

    “You can break the deposit before maturity, but then you usually lose part or all of the contracted interest.”

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

    Backs: Fixed period, Initial rate, Purpose

    “Mnoge banke nude fiksnost prvih 20 godina, pa promjenjivu.”

  • zaza.ba/uslovi-koristenja checked September 26, 2026

    Backs: Monthly fee, Product fee

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

Not confirmed yet: Funding time.

ZAZA.ba

ZAZA.ba

Comparing Bosnian cash loans, credit lines and fixed savings in a single place.

8.9/10See alternatives