Highest rate
2.50%
- Term
- 12 months
- Min. amount
- €1,000
- Interest
- €250
- Final amount
- €10,250
Financial calculators and comparisons
Compare loans
and deposits.
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- Buying propertyHow much you can borrow, how much down payment you need and which bank is cheapest.
- Taking a loanWhich loan is cheapest, what APR means and where the costs hide.
- InvestingHow to start with ETFs and an INR, how they are taxed and when gold pays off.
- SavingWhere you get the most interest, how safe your savings are and when you pay tax.
- Rates from official bank price lists
- Rates as of 1 Oct 2026 (monthly snapshot)
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- Buying propertyHow much you can borrow, how much down payment you need and which bank is cheapest.
- Taking a loanWhich loan is cheapest, what APR means and where the costs hide.
- InvestingHow to start with ETFs and an INR, how they are taxed and when gold pays off.
- SavingWhere you get the most interest, how safe your savings are and when you pay tax.
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Rates updated 1 Oct 2026All banks for the values above, sorted by interest rate.
| Bank | Annual rate | Term | Min. amount | Interest | Final amount |
|---|---|---|---|---|---|
| BKS Bank Highest rate |
2.50% | 12 months | €1,000 | €250 | €10,250 |
| Addiko Bank | 1.70% | 12 months | €400 | €170 | €10,170 |
| Primorska hranilnica | 1.60% | 12 months | €500 | €160 | €10,160 |
| OTP banka | 1.50% | 12 months | €500 | €150 | €10,150 |
| UniCredit Banka Slovenija | 1.50%if signed online · in a branch 1.10% | 12 months | €500 | €150 | €10,150 |
| LON | 1.45% | 12 months | €200 | €145 | €10,145 |
| Delavska hranilnica | 1.30% | 12 months | €100 | €130 | €10,130 |
| DBS | 1.20% | 12 months | €100 | €120 | €10,120 |
| Intesa Sanpaolo Bank | 1.20% | 12 months | €300 | €120 | €10,120 |
| Sparkasse | 1.20%if signed online · in a branch 1.10% | 12 months | €500 | €120 | €10,120 |
| Gorenjska banka | 0.90% | 12 months | €250 | €90 | €10,090 |
| NLB | 0.90%if signed online · in a branch 0.70% | 12 months | €1,500 | €90 | €10,090 |
1.70%
- Term
- 12 months
- Min. amount
- €400
- Interest
- €170
- Final amount
- €10,170
1.60%
- Term
- 12 months
- Min. amount
- €500
- Interest
- €160
- Final amount
- €10,160
1.50%
- Term
- 12 months
- Min. amount
- €500
- Interest
- €150
- Final amount
- €10,150
1.50%
if signed online · in a branch 1.10%
- Term
- 12 months
- Min. amount
- €500
- Interest
- €150
- Final amount
- €10,150
1.45%
- Term
- 12 months
- Min. amount
- €200
- Interest
- €145
- Final amount
- €10,145
1.30%
- Term
- 12 months
- Min. amount
- €100
- Interest
- €130
- Final amount
- €10,130
1.20%
- Term
- 12 months
- Min. amount
- €100
- Interest
- €120
- Final amount
- €10,120
1.20%
- Term
- 12 months
- Min. amount
- €300
- Interest
- €120
- Final amount
- €10,120
1.20%
if signed online · in a branch 1.10%
- Term
- 12 months
- Min. amount
- €500
- Interest
- €120
- Final amount
- €10,120
0.90%
- Term
- 12 months
- Min. amount
- €250
- Interest
- €90
- Final amount
- €10,090
0.90%
if signed online · in a branch 0.70%
- Term
- 12 months
- Min. amount
- €1,500
- Interest
- €90
- Final amount
- €10,090
All banks for the values above, sorted by APR.
| Bank | Nominal rate | One-time fees | Monthly payment | Total repayment | Difference to cheapest | Conditions | APR |
|---|---|---|---|---|---|---|---|
| Gorenjska banka Lowest APR |
3.30% | €600.00 | €857.79 | €206,470.32 | €0.00 | PromoExisting customer iSecured by a mortgage on the financed property. Promotional offer. Valid until 31 Dec 2026.
|
3.44% |
| Delavska hranilnica | 3.40% | €500.00 | €870.95 | €209,528.35 | +€3,058.04 | Existing customer+ insurance iSecured by a mortgage on the financed property
|
3.61%† |
| Intesa Sanpaolo Bank | 3.45%° | €0 | €874.59 | €209,901.74 | +€3,431.42 | Existing customerindicative rate iSecured by a mortgage on the financed property
|
3.62% |
| UniCredit Banka Slovenija | 3.55% | €280.00 | €878.70 | €211,167.63 | +€4,697.31 | Existing customer iSecured by a mortgage on the financed property
|
3.70% |
| Sparkasse | 3.80% | €395.00 | €896.23 | €215,490.33 | +€9,020.01 | iSecured by a mortgage on the financed property
|
3.94% |
| NLB | 3.80% | €0 | €899.23 | €215,815.33 | +€9,345.01 | Existing customer+ insurance iSecured by a mortgage on the financed property, with Vita life insurance assigned to NLB
|
3.95%† |
| Primorska hranilnica | 3.80% | €0 | €899.73 | €215,935.33 | +€9,465.01 | PromoExisting customer iSecured by a mortgage on the financed property. Promotional offer. Price list valid from 17 Aug 2026.
|
3.95% |
| OTP banka | 3.90% | €0 | €907.69 | €217,844.64 | +€11,374.32 | Existing customer iSecured by a mortgage on the financed property
|
4.06% |
| LON | 4.10% | €800.00 | €924.49 | €222,678.54 | +€16,208.22 | Existing customer iSecured by a mortgage on the financed property
|
4.34% |
| BKS Bank | No offer for the selected criteria | ||||||
| DBS | No offer for the selected criteria | ||||||
Lowest APR
3.30%
- Monthly payment
- €857.79
- Total repayment
- €206,470.32
- APR
- 3.44%
Conditions
PromoExisting customer
Secured by a mortgage on the financed property. Promotional offer. Valid until 31 Dec 2026.
-
Housing loan3.60%Monthly payment: €880.86 · APR: 3.75%Existing customer
3.40%
- Monthly payment
- €870.95
- Total repayment
- €209,528.35
- APR
- 3.61%†
Conditions
Existing customer+ insurance
Secured by a mortgage on the financed property
-
Housing loan3.50%Monthly payment: €878.64 · APR: 3.71%Existing customer
3.45%°
- Monthly payment
- €874.59
- Total repayment
- €209,901.74
- APR
- 3.62%
Conditions
Existing customerindicative rate
Secured by a mortgage on the financed property
- Monthly payment
- €878.70
- Total repayment
- €211,167.63
- APR
- 3.70%
Conditions
Existing customer
Secured by a mortgage on the financed property
3.80%
- Monthly payment
- €896.23
- Total repayment
- €215,490.33
- APR
- 3.94%
Conditions
Secured by a mortgage on the financed property
-
Housing loan3.80%Monthly payment: €896.23 · APR: 3.97%
3.80%
- Monthly payment
- €899.23
- Total repayment
- €215,815.33
- APR
- 3.95%†
Conditions
Existing customer+ insurance
Secured by a mortgage on the financed property, with Vita life insurance assigned to NLB
-
NLB housing loan4.00%Monthly payment: €914.96 · APR: 4.15%†Existing customer+ insurance
-
NLB basic mortgage loan4.30%Monthly payment: €938.85 · APR: 4.46%Existing customer
-
NLB housing loan4.50%Monthly payment: €954.96 · APR: 4.67%Existing customer
3.80%
- Monthly payment
- €899.73
- Total repayment
- €215,935.33
- APR
- 3.95%
Conditions
PromoExisting customer
Secured by a mortgage on the financed property. Promotional offer. Price list valid from 17 Aug 2026.
3.90%
- Monthly payment
- €907.69
- Total repayment
- €217,844.64
- APR
- 4.06%
Conditions
Existing customer
Secured by a mortgage on the financed property
-
Housing loan (Banka na delu package)3.80%Monthly payment: €899.84 · APR: 3.95%Requires Banka na delu package
-
Housing loan (Komplet package)3.85%Monthly payment: €906.26 · APR: 4.04%Requires Komplet package
-
Housing loan (Premium package)3.80%Monthly payment: €912.83 · APR: 4.12%Requires Premium package
4.10%
- Monthly payment
- €924.49
- Total repayment
- €222,678.54
- APR
- 4.34%
Conditions
Existing customer
Secured by a mortgage on the financed property
No offer for the selected criteria
No offer for the selected criteria
° indicative rate – published by the bank as a lower bound; the final rate depends on your credit rating and loan-to-value
† APR excludes the insurance premium, which the bank doesn't publish (it depends on the borrower) - the actual APR is higher.
All banks for the values above, sorted by APR.
| Bank | Nominal rate | One-time fees | Monthly payment | Total repayment | Difference to cheapest | Conditions | APR |
|---|---|---|---|---|---|---|---|
| Primorska hranilnica Lowest APR |
4.40% | €0 | €185.98 | €11,158.55 | €0.00 | iFixed rate. Short or long-term consumer loan. For non-customers. PHV charges neither an approval fee nor a monthly loan administration fee. Any loan insurance premium depends on the borrower and is not included in the APR shown.
|
4.49% |
| DBS | 5.30%° | €0 | €190.09 | €11,405.39 | +€246.84 | indicative rate iFixed rate. Credit rating A, for a stated purpose. DBS publishes 'no approval fees' and only a representative example (no fee schedule), so the APR in the comparison uses the nominal rate only.
|
5.43% |
| Delavska hranilnica | 4.80% | €150.00 | €191.70 | €11,651.85 | +€493.30 | + insurance iFixed annual rate, -0.10 pp with life or unemployment / accident / disability insurance assigned to the lender. Approval fee 1.50% (min €50); the insurance premium is not included in the APR. Unsecured consumer loan.
|
6.46%† |
| UniCredit Banka Slovenija | 5.49% | €200.00 | €190.97 | €11,657.93 | +€499.38 | iFixed rate for non-customers (UniCredit calculator). Applies to online applications (promo code SPLETNIKREDIT).
|
6.52% |
| Addiko Bank | 5.45%° | €0 | €197.23 | €11,833.86 | +€675.31 | indicative rate iHeadline fixed rate 'from 5.45%' (representative example for new customers who move their banking). Addiko charges no approval or risk assessment fee on the standard cash loan (retail price list). Loan administration €6.45 a month. Single rate - no price list by term.
|
7.05% |
| Intesa Sanpaolo Bank | 5.10% | €0 | €197.67 | €11,860.25 | +€701.70 | PromoExisting customer iPromotional fixed rate for moving your salary (0.20 pp lower). Valid until 31 Oct 2026.
|
7.15% |
| BKS Bank | 6.50% | €120.00 | €195.66 | €11,859.69 | +€701.14 | + insurance iInsured with an insurance company. No loan administration fee. For non-customers. Fixed annual rate.
|
7.23%† |
| OTP banka | 6.35% | €0 | €198.06 | €11,883.58 | +€725.03 | iFixed rate for non-customers, no approval fee. The 'Banka na delu' and 'Premium' packages have a rate up to 0.20 pp lower.
|
7.24% |
| NLB | 5.80% | €0 | €198.39 | €11,903.36 | +€744.82 | Existing customer iNo approval fees. Taken out in NLB Klik (online banking).
|
7.31% |
| Sparkasse | 5.90% | €210.00 | €195.85 | €11,961.20 | +€802.65 | iFixed rate by repayment term (calculator, 37-84 months): approval fee 2.10% of the amount (no known min/max), current account €2.99 a month. Approval fee 50% lower online (not shown as a separate row).
|
7.69% |
| LON | 5.50%° | €150.00 | €198.61 | €12,066.70 | +€908.15 | Existing customerindicative rate iFixed rate (from 5.50%). For customers with a LON current account receiving salary or pension.
|
8.05% |
| Gorenjska banka | 6.40% | €170.00 | €198.38 | €12,073.01 | +€914.46 | Existing customer iFixed rate for existing customers. GBKR currently offers no variable-rate consumer loans.
|
8.09% |
Lowest APR
4.40%
- Monthly payment
- €185.98
- Total repayment
- €11,158.55
- APR
- 4.49%
Conditions
Fixed rate. Short or long-term consumer loan. For non-customers. PHV charges neither an approval fee nor a monthly loan administration fee. Any loan insurance premium depends on the borrower and is not included in the APR shown.
-
Consumer loan4.40%Monthly payment: €188.97 · APR: 5.17%Existing customer
-
Zlati consumer loan3.99%Monthly payment: €194.11 · APR: 6.35%PromoRequires Zlati paket (€9.99/month) package
5.30%°
- Monthly payment
- €190.09
- Total repayment
- €11,405.39
- APR
- 5.43%
Conditions
indicative rate
Fixed rate. Credit rating A, for a stated purpose. DBS publishes 'no approval fees' and only a representative example (no fee schedule), so the APR in the comparison uses the nominal rate only.
-
Cash consumer loan5.50%Monthly payment: €191.01 · APR: 5.64%indicative rate
4.80%
- Monthly payment
- €191.70
- Total repayment
- €11,651.85
- APR
- 6.46%†
Conditions
+ insurance
Fixed annual rate, -0.10 pp with life or unemployment / accident / disability insurance assigned to the lender. Approval fee 1.50% (min €50); the insurance premium is not included in the APR. Unsecured consumer loan.
-
Personal loan4.90%Monthly payment: €192.15 · APR: 7.48%
- Monthly payment
- €190.97
- Total repayment
- €11,657.93
- APR
- 6.52%
Conditions
Fixed rate for non-customers (UniCredit calculator). Applies to online applications (promo code SPLETNIKREDIT).
-
Consumer loan4.99%Monthly payment: €193.57 · APR: 7.12%Existing customer
5.45%°
- Monthly payment
- €197.23
- Total repayment
- €11,833.86
- APR
- 7.05%
Conditions
indicative rate
Headline fixed rate 'from 5.45%' (representative example for new customers who move their banking). Addiko charges no approval or risk assessment fee on the standard cash loan (retail price list). Loan administration €6.45 a month. Single rate - no price list by term.
5.10%
- Monthly payment
- €197.67
- Total repayment
- €11,860.25
- APR
- 7.15%
Conditions
PromoExisting customer
Promotional fixed rate for moving your salary (0.20 pp lower). Valid until 31 Oct 2026.
-
Quick consumer loan5.30%Monthly payment: €198.59 · APR: 7.36%Existing customer
6.50%
- Monthly payment
- €195.66
- Total repayment
- €11,859.69
- APR
- 7.23%†
Conditions
+ insurance
Insured with an insurance company. No loan administration fee. For non-customers. Fixed annual rate.
-
Cash consumer loan5.50%Monthly payment: €196.00 · APR: 7.31%†Existing customer+ insurance
6.35%
- Monthly payment
- €198.06
- Total repayment
- €11,883.58
- APR
- 7.24%
Conditions
Fixed rate for non-customers, no approval fee. The 'Banka na delu' and 'Premium' packages have a rate up to 0.20 pp lower.
-
Kredit Naprej (Banka na delu package)5.95%Monthly payment: €199.70 · APR: 7.61%Requires Banka na delu package
-
Kredit Naprej6.05%Monthly payment: €200.16 · APR: 7.71%Existing customer
-
Kredit Naprej (Premium package)5.85%Monthly payment: €212.22 · APR: 10.42%Requires Premium package
5.80%
- Monthly payment
- €198.39
- Total repayment
- €11,903.36
- APR
- 7.31%
Conditions
Existing customer
No approval fees. Taken out in NLB Klik (online banking).
-
NLB quick personal loan6.00%Monthly payment: €199.32 · APR: 7.52%Existing customer
5.90%
- Monthly payment
- €195.85
- Total repayment
- €11,961.20
- APR
- 7.69%
Conditions
Fixed rate by repayment term (calculator, 37-84 months): approval fee 2.10% of the amount (no known min/max), current account €2.99 a month. Approval fee 50% lower online (not shown as a separate row).
5.50%°
- Monthly payment
- €198.61
- Total repayment
- €12,066.70
- APR
- 8.05%
Conditions
Existing customerindicative rate
Fixed rate (from 5.50%). For customers with a LON current account receiving salary or pension.
-
Premium loan4.90%Monthly payment: €208.14 · APR: 9.51%Requires LON Premium package
6.40%
- Monthly payment
- €198.38
- Total repayment
- €12,073.01
- APR
- 8.09%
Conditions
Existing customer
Fixed rate for existing customers. GBKR currently offers no variable-rate consumer loans.
° indicative rate – published by the bank as a lower bound; the final rate depends on your credit rating
† APR excludes the insurance premium, which the bank doesn't publish (it depends on the borrower) - the actual APR is higher.
All banks with a green (energy renovation) loan for the values above, sorted by APR.
| Bank | Nominal rate | One-time fees | Monthly payment | Total repayment | Difference to cheapest | Conditions | APR |
|---|---|---|---|---|---|---|---|
| NLB Lowest APR |
4.49% | €0 | €186.38 | €11,183.08 | €0.00 | iNo approval or administration fees. Purpose loan (purchase from an NLB partner or a green investment).
|
4.58% |
| Sparkasse | 4.90% | €0 | €188.25 | €11,295.27 | +€112.19 | iFixed rate whatever the term or amount (6-84 months, €1,000-40,000), no approval or administration fees. Matches the official example on sparkasse.si (€35,000 / 84 months -> 4.90%).
|
5.01% |
| Delavska hranilnica | 3.80% | €150.00 | €187.16 | €11,379.84 | +€196.76 | + insurance iFixed annual rate, -0.10 pp with life or unemployment / accident / disability insurance assigned to the lender. Approval fee 1.50% (min €50); the insurance premium is not included in the APR. Purpose loan for energy efficiency or an EV, no mortgage.
|
5.41%† |
| OTP banka | 5.95% | €0 | €196.20 | €11,771.74 | +€588.65 | iSustainable consumer loan: 0.40 pp below Kredit Naprej for non-customers. Term limited to 83 months.
|
6.82% |
| LON | 4.50% | €150.00 | €194.03 | €11,791.81 | +€608.73 | Existing customer iFixed rate, 1.0 pp below the consumer loan. Purpose loan (energy efficiency). For customers with a LON current account receiving salary or pension.
|
7.00% |
| Intesa Sanpaolo Bank | 5.10% | €0 | €197.67 | €11,860.25 | +€677.17 | Existing customer iFixed rate for existing customers. Loan administration €5.50 a month, no approval fee.
|
7.15% |
Lowest APR
4.49%
- Monthly payment
- €186.38
- Total repayment
- €11,183.08
- APR
- 4.58%
Conditions
No approval or administration fees. Purpose loan (purchase from an NLB partner or a green investment).
4.90%
- Monthly payment
- €188.25
- Total repayment
- €11,295.27
- APR
- 5.01%
Conditions
Fixed rate whatever the term or amount (6-84 months, €1,000-40,000), no approval or administration fees. Matches the official example on sparkasse.si (€35,000 / 84 months -> 4.90%).
3.80%
- Monthly payment
- €187.16
- Total repayment
- €11,379.84
- APR
- 5.41%†
Conditions
+ insurance
Fixed annual rate, -0.10 pp with life or unemployment / accident / disability insurance assigned to the lender. Approval fee 1.50% (min €50); the insurance premium is not included in the APR. Purpose loan for energy efficiency or an EV, no mortgage.
-
Green loan3.90%Monthly payment: €187.61 · APR: 6.42%
5.95%
- Monthly payment
- €196.20
- Total repayment
- €11,771.74
- APR
- 6.82%
Conditions
Sustainable consumer loan: 0.40 pp below Kredit Naprej for non-customers. Term limited to 83 months.
-
Sustainable consumer loan5.65%Monthly payment: €198.30 · APR: 7.30%Existing customer
4.50%
- Monthly payment
- €194.03
- Total repayment
- €11,791.81
- APR
- 7.00%
Conditions
Existing customer
Fixed rate, 1.0 pp below the consumer loan. Purpose loan (energy efficiency). For customers with a LON current account receiving salary or pension.
5.10%
- Monthly payment
- €197.67
- Total repayment
- €11,860.25
- APR
- 7.15%
Conditions
Existing customer
Fixed rate for existing customers. Loan administration €5.50 a month, no approval fee.
† APR excludes the insurance premium, which the bank doesn't publish (it depends on the borrower) - the actual APR is higher.
For information only: the calculations and comparisons are not a binding offer or financial advice. Always check the current terms with the bank before you decide. FinPortal.si is not a bank or intermediary. Full legal notice
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Frequently asked questions
Frequently asked questions 5
How often do you refresh the data?
Bank interest rates are refreshed automatically every day from the banks' official price lists. Data that banks publish only in PDF tariffs (e.g. account fees) is re-checked by hand regularly. Even so, providers' conditions can change without prior notice – so before deciding, always verify the official conditions.
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Why does APR differ from the nominal interest rate?
The nominal interest rate covers only interest. APR also includes costs (e.g. fees, monthly charges) and is therefore usually a better metric for comparing offers.
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FinPortal.si is solely an informational platform whose primary purpose is to inform its users. We do not offer financial services, do not act as an intermediary, and are not a financial institution.
Last updated: 27 September 2026. The Slovenian-language legal notice is the binding version; this English text is provided for information.
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