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The Best Personal Loans of 2026: Where to Borrow and Save
Discover the top personal loans for this summer, from the lowest APRs to the fastest approvals. We've done the research so you don't have to.
Quick Picks
Best overall: Addiko Gotovinski kredit.
Lowest APR: RBA Gotovinski kredit.
Best for long-term clients: OTP Banka Gotovinski kredit.
Most Affordable Picks
Looking for a loan with the best rates? These options are tailored for those prioritizing low APR and minimal fees.
Addiko Gotovinski kredit
The Addiko Gotovinski kredit offers a promotional rate of 2.95%, making it an attractive choice for new clients seeking larger sums. This loan requires no guarantors or income transfer, which sets it apart from others. However, the standard EKS can go up to 6% if you miss the promotional offer, so act fast.
RBA Gotovinski kredit
RBA Gotovinski kredit stands out with the lowest EKS on the market at 5.11%, especially beneficial for those who don't want processing fees. It does require an RBA current account, so consider if you're willing to switch banks.
PBZ Nenamjenski kredit
PBZ's Nenamjenski kredit offers a promotional 4.78% APR until June 2026, making it a strong contender for short-term savings. Just be mindful of the life insurance requirement to maintain the promo rate.
Zagrebačka banka Gotovinski kredit
Zagrebačka banka's offer appeals with its large loan amounts up to 50,000 EUR and the convenience of online contracting via their app. However, the effective interest rate of 6.7% requires a life insurance policy, which adds to the cost.
If you're more concerned about long-term relationships with banks, the next option could offer the benefits and flexibility you need.
Best for Loyal Customers
These loans cater to those with a strong existing relationship with their bank, offering benefits based on loyalty.
OTP Banka Gotovinski kredit
The OTP Banka Gotovinski kredit is a standout for long-term bank clients, offering a competitive EKS of 5.11% for loyal customers. This rate is one of the best in the market, but those without a long banking history might face higher rates.
For those who are pensioners or seeking specialized rates, the final option offers a tailored approach.
Special Rates for Pensioners
Providing unique offers, these loans are ideal for pensioners and those with specific banking profiles.
Erste Bank Gotovinski kredit
Erste Bank's Gotovinski kredit offers a favorable fixed rate of 5.90%, with a special rate of 5.50% for pensioners, making it an appealing choice for older clients. The requirement of an Erste current account could be a downside for some.
In closing, these options provide a variety of benefits tailored to different needs, from low rates to flexible terms. For a deeper dive into specific comparisons, check out our detailed analysis in RBA vs. Addiko: Which Personal Loan Suits You Best? — an essential read for making the best choice this summer.