Quick consumer loan without approval costs!*

** Conclusion via mobile or online banking is possible for existing clients up to the amount of EUR 35,000. When concluding a consumer loan in a branch the maximum amount is EUR 45,000.

*** The promotional offer for concluding a consumer loan is valid from 9/2/2026 to 30/4/2026 inclusive for existing clients who already have an open transaction account with Banka Intesa Sanpaolo d.d. and receive regular monthly inflows to it, and for new clients who open a transaction account with Banka Intesa Sanpaolo d.d. and transfer regular monthly income to it. A new client is a natural person who has not had an open transaction account with Banka Intesa Sanpaolo d.d. in the last 6 months. A new client can obtain a more favorable offer for new clients when submitting an inquiry. The promotional offer does not apply to the repayment of existing loans with Banka Intesa Sanpaolo d.d. The loan application must be submitted no later than 30/4/2026. The promotion is excluded from other special offers and benefits for consumer loans.

The calculation is for information purposes only and is not binding on the Bank. Should the terms and conditions change or should different circumstances arise on the part of the borrower, the terms and conditions included in the informative calculation may be adjusted or amended. The granting of the loan is subject to the creditworthiness of the borrower, which must be verified beforehand. The Bank reserves the right to refuse to enter into a loan agreement without giving reasons.
A representative example of an advertised offer, which is not binding on the Bank, is drawn up on the basis of predefined loan characteristics (loan amount, repayment period, type of interest rate, etc.).
The effective interest rate calculation includes the total cost of the loan, which includes interest, the loan management fee (EUR 5.50/month) and the cost of keeping the transaction e-account (EUR 2.90/month) and the card account (EUR 0.20/month), if the salary transfer calculation is chosen. The effective interest rate changes if any of the data used in the calculation changes. It is calculated on the assumption that the loan is used at the date of transfer into repayment. 
In order to obtain an offer under the salary transfer calculation terms and conditions, you must open a transaction account with Banka Intesa Sanpaolo d.d. and transfer your regular income. The loan is also available without opening a transaction account and transferring regular income, but in this case, the loan interest rate may be higher than indicated in the calculation without salary transfer.
Quick consumer loans are usually taken out with a repayment period of up to 84 months. Loans with a repayment period of 85 to 120 months are granted on a limited basis.
The variable interest rate calculation is based on the assumption that the variable interest rate does not change over the selected period. A rise in the variable interest rate, as a result of an increase in EURIBOR, can lead to a significant and substantial increase in the total amount to be repaid and, consequently, in the monthly annuity. The calculation of the variable interest rate shown in the representative example uses EURIBOR of 2.139%, applicable as at 1/3/2026.