Personal Loan: Personal loan up to 50,000 euros, without mortgage!

For those of you who work for a better future and have the desire to make a difference, we are here to support and reward you.

Get personal loans and credit cards and be part of the giveaway to win a Toyota Yaris Cross Hybrid.

Apply online

Interest rate of 5.5%

No mortgage

Loan repayment term of up to 10 years

NEI* starting 5.64%

*Effective interest rate

Get a loan and enter the competition to win a Toyota Yaris Cross

All existing and new clients who apply for and get approved for a personal loan within the campaign period: February 3, 2025 – June 30, 2025, are eligible to participate.
For every 5,000 euros of the loan amount, the client will receive one coupon. The number of coupons depends on the approved loan amount. Example: if the client applies for a 15,000 euro loan, he/she will receive three (3) coupons for the prize draw; for a 7,000 euro loan, he/she will receive one (1) coupon, etc.
Each coupon has a serial number and consists of two parts. One part is given to the client, while the other part remains at the bank to be placed in the prize draw box.
The prize draw will take place on July 15, 2025, live on one of the public television channels. The draw will also be published on the official Facebook page of Raiffeisen Bank.
To protect client data, the winner's information will be published only partially, and the winner will be contacted directly by the Bank to communicate the prize.

Apply now

Apply online for Personal Loan

Applying for Personal Loan only takes a few minutes of your time. Once you fill out the form, your application will be reviewed by our team, and you will be contacted within a short period of time.

Information marked with * is required.

Name

Surname

Personal number

Phone number

Consent for CRK

Terms and conditions

By selecting the "Consent for CRK" button I expressly agree and in accordance with the Law on Personal Data Protection and Article 7.2 of the CBK Regulation on Credit Registration I give consent to Raiffeisen Bank Kosovo J.S.C based in Rr. Robert Doll no.99, Prishtina, with business registration number 70025959, for the purposes of processing, concluding, maintaining and amending the loan agreement to process and use my personal data, as well as to have access to reports of my loans in the Credit Registry. I give this consent electronically on the basis of free will and mutual interest and I will not deny it on any legal or factual basis. I am aware that giving this consent does not prejudge a positive response or imply the conclusion of the loan agreement.

Consent

Terms and conditions

By pressing/clicking the "Continue" button, I explicitly agree and give my consent to the Bank, in accordance with Law No. 06/L-082 on Personal Data Protection...

By pressing/clicking the "Continue" button, I explicitly agree and give my consent to the Bank, in accordance with Law No. 06/L-082 on Personal Data Protection and the European Union Regulation 2016/679 (GDPR), to process my personal data mentioned above as well as any data that may become known later, to be exchanged and used by Raiffeisen Bank, members of the Raiffeisen Banking Group and companies contracted by Raiffeisen Bank, to process the submitted application and to contact me in writing, by telephone and/or via electronic mail at the address indicated above, in order to send me appropriate and personalized offers1 through the profiling process and/or notifications related to the products and services offered.
* I confirm that I am aware that I am not obliged to give my consent for direct marketing/profiling and I am aware that at any time I have the right to withdraw this consent and in that case my data will not be used for the above-mentioned purpose. I confirm that all the information provided above is true, complete and accurate, and I declare that I have voluntarily made my personal data available to the Bank.1Individual offers are designed specifically for you based on an understanding of your economic needs through a process called profiling. Profiling involves automated analysis of your personal data and other information. Based on such processing, we reach conclusions regarding your economic or financial needs, your financial responsibility and other characteristics that we analyze when creating such offers.

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What conditions do I need to meet to take out a loan?

To be a resident of the Republic of Kosovo
To receive the salary through Raiffeisen Bank, or bring confirmation from the employer that my salary will be processed through Raiffeisen Bank.
For amounts of 35,000-40,000 euros, you must have a minimum salary of over 1,000 net
For amounts of 40,000-50,000 euros you must have a minimum salary of over 1,200 net

What documents are required of me?

Personal identification document
The employment contract.

What collateral is required?

For amounts over 35,000 euros, a guarantor with a salary and a car (not older than 10 years) is required.

Why Raiffeisen Bank?

There are many reasons why Raiffeisen Bank is the right partner when choosing a credit card. These are the main advantages:

130 years of banking tradition

Raiffeisen Bank in Kosovo is part of Raiffeisen Bank International, carrying the same values as the parent company. Raiffeisen stands for security and stability.

The largest bank in Kosovo

Raiffeisen Bank is the biggest bank in Kosovo, based on all financial indicators. This is the result of the continuous trust of our clients and our commitment to providing the best services.

Innovation and support

We rely on continuous innovation to provide you with an easy and stress-free banking experience. With the largest branch network and advanced digital platforms, we are with you 24/7.

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