Car loans
Dreaming about your new car? Kredium helps you become the owner of the car of your dreams.
Car loans for
new vehicles
We help you realize your plans and become the owner of a new car with affordable and flexible car loans.
Regardless of whether you choose a city car, a family vehicle or a luxury model, our experts are here to support you every step of the way. Enjoy security and practicality with solutions created just for you.
Car loans for
used vehicles
Buying a used vehicle has never been easier with auto loans tailored to your needs. Whether you're looking for a reliable city car, a spacious family model or a luxury vehicle at an affordable price, used car loans allow you to become an owner quickly and easily.
Banks often offer flexible repayment terms, with the possibility of financing vehicles purchased from individuals or legal entities. With an adequate repayment plan, a used car can be an ideal solution for practical and economical driving.
Buying a
car on lease
Leasing is a great alternative to traditional car loans, giving you the opportunity to use a car with lower monthly costs. This financing method allows you to drive a new or used vehicle without having to make an immediate purchase.
At the end of the contract period, you can choose to buy the car, extend the lease or trade in the vehicle for a newer model. Flexible terms and affordable leasing options make it an attractive choice for those who want to enjoy a modern vehicle with a favorable financial structure.
Car loans for used vehicles
Calculate the installment with our Auto Loan Calculator and find out the exact amount you will pay each month. Enter key information such as loan amount, interest rate and repayment period and you will get the result instantly. This tool helps you accurately plan your finances and make the best decision when choosing a car loan.
Minimum conditions for
buying a car
Employed citizens of the Republic of Serbia, residing in the territory under full state control, with a report obtained from the Credit Bureau through the Association of Serbian Banks, can apply for a loan for the purchase of new or used vehicles.
Note
For clients employed on a fixed-term basis, the last installment of the loan is adjusted to the date of expiry of the employment contract. When applying, the employment contract must generally be valid for at least another 2 months.
Documentation
In order to initiate the procedure for realizing a car loan, it is necessary to submit the following documents:
If you are a pensioner, it is enough to bring your pension checks for the last 3 months and a valid identification document (identity card or passport).
The most affordable car
loans
With a wide selection of options, you can choose a loan with a fixed or variable interest rate, as well as various benefits such as a minimum down payment and fast approval.
Regardless of whether you are buying a car from an individual, an authorized dealer or from abroad, the favorable conditions of a car loan allow you to safely and economically start driving your new car.
RegisterRaiffeisen Bank
Offers loans for the purchase of new and used vehicles, motorcycles, scooters, quads
• Fixed
Eurobank direct
Attractive conditions for car loans, used and new vehicles
• Fixed
Intes car loans
Offer of loans for the purchase of new and used vehicles from legal and natural persons
• Fixed
Frequently asked questions
Who can apply for a car loan?
A car loan is available to all citizens of legal age with a regular monthly income. This includes temporary and permanent employees, as well as retirees.
For which vehicles can I take out a car loan?
You can use a car loan to buy new and used cars, electric and hybrid vehicles, motorcycles, scooters and even quads, depending on the bank's conditions.
Is a down payment required for a car loan?
Participation depends on the bank and the type of loan. A minimum down payment is usually required, which can be between 10% and 30% of the vehicle's value.
How long can I pay off the car loan?
The repayment term varies depending on the loan amount and the bank's policy. For more details, contact our agents at phone number 066 68 68 998.
Can I buy a car from an individual with a car loan?
Yes, many banks allow the purchase of cars from individuals, but with specific conditions, such as submitting a pro-invoice or sales contract.
Are guarantors needed for a car loan?
Most car loans do not require a guarantor, but this depends on your creditworthiness and the bank's policy.
What documentation is required for application?
Valid personal documents (identity card or passport), proof of income (payslips or pension checks), as well as documentation related to the vehicle (proforma invoice or sales contract) are required.
How quickly can I get approved for a loan?
The approval process can last from a few hours to a few days, depending on the bank and the completeness of the submitted documentation.
Are car loans available for foreign vehicles?
Yes, certain banks offer car loans for importing vehicles, with additional conditions such as customs documentation and vehicle valuation.
What are the advantages of a car loan compared to leasing?
With a car loan, you become the owner of the vehicle immediately after purchase, while with leasing, you become the owner only after the repayment is completed. Also, auto loans often offer lower interest rates.