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XL loan package up to 30 000 €

When XL Becomes XXL!

The XL loan package is now available up to €30,000 with a promotional interest rate until May 31, 2025.

Instead of chasing guarantors, chase your dreams. We approve loans of up to €30,000 in just 24 hours.

Why XL loan package?  

Up to €30,000;
Low Nominal Interest Rate (NIR): 5.48% annually;
Effective Interest Rate (EIR): 5.49% annually;
No loan processing fees;
No guarantor required;
You decide the combination of the loan amount in cash and additional liabilities on your accounts and credit cards;
Option to borrow up to half of your monthly salary;
Repayment period up to 8 years.


Representative loan example:

  • Loan Amount: €30,000.00
    Repayment Period: 96 months
    Nominal Interest Rate (NIR): 5.48% annually
    Effective Interest Rate (EIR): 5.49% annually
    One-Time Loan Processing Fee: €0
    Promissory Note Cost: €6.00
    Credit Bureau Inquiry Cost: €3.00
    Monthly Installment (Annuity): €384.77
    Total Loan Amount with Interest: €36,945.87

What documents are required?
  • Loan Application filled out;
  • Applicant's statement of financial standing;
  • Copy of loan Applicant's ID card;
  • Salary attachment of loan Applicant and a bill of exchange signed.

 

What else do I need to know?

- The condition for loan approval: The loan is granted exclusively to clients who receive personal income through an account opened at Hipotekarna Bank.



- The XL loan package refers to the total loan indebtedness a client can have.

For employees of companies on the A+ list with regular monthly income deposited into a Bank account, the total loan indebtedness cannot exceed €30,000, provided that the only collateral instruments are blank promissory notes and an administrative wage garnishment.

For employees of companies on the A list with regular monthly income deposited into a Bank account, the total loan indebtedness cannot exceed €25,000, under the same collateral conditions.

Total loan indebtedness includes a loan plus an installment limit and/or overdraft (the client selects this combination):

  • Example: €25,000 loan + €5,000 limit/overdraft – A+ list (or €30,000 loan only, without other obligations).
  • Example: €20,000 loan + €5,000 limit/overdraft – A list (or €25,000 loan only, without other obligations).


Loans exceeding €30,000 may be approved with additional collateral instruments, such as guarantors, co-borrowers, or a mortgage.