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.
4.49%
Consumer loan
4.40%
€0
€188.97
€11,337.95
+€179.40
Existing customer
i
Fixed rate. Short or long-term consumer loan. For existing 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.
5.17%
Zlati consumer loan
3.99%
€0
€194.11
€11,646.61
+€488.06
PromoRequires Zlati paket (€9.99/month) package
i
Promotional offer (Zlati consumer loan). Requires the Zlati paket package (€9.99 a month). For existing 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.
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.
5.43%
Cash consumer loan
5.50%°
€0
€191.01
€11,460.70
+€302.15
indicative rate
i
Fixed rate. Credit rating A. DBS publishes 'no approval fees' and only a representative example (no fee schedule), so the APR in the comparison uses the nominal rate only.
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.
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.
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).
Fixed rate (from 5.50%). For customers with a LON current account receiving salary or pension.
8.05%
Premium loan
4.90%
€0
€208.14
€12,488.67
+€1,330.12
Requires LON Premium package
i
For holders of the LON Premium package; without it the standard consumer loan applies. Valid until withdrawn, no approval fee. For customers with a LON current account receiving salary or pension.
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.
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.
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.
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.
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).
Note: the rate shown is the bank's nominal annual rate for the selected rate type and customer status - including time-limited promotional offers, marked with a "Promo" badge. APR is calculated from the nominal rate plus published one-time and monthly costs; where a bank doesn't publish its approval fee, APR may be slightly understated. The monthly payment includes the loan administration fee, and the total repayment includes all payments plus one-time and monthly fees. For offers that require being an existing customer we also add the bank's cheapest account any adult can open (a current account receiving your salary is usually enough to count as a customer); it is included in the monthly payment, total repayment and APR. Account fees are taken from the Bank of Slovenia's fee comparison.
A bank with no matching offer for the selected combination (amount, term, rate type, status) is marked "No offer for the selected criteria". A value the bank doesn't publish is shown as -.
Sources: banks' official websites or PDF rate sheets. This English page shows a monthly snapshot taken on 1 Oct 2026, collected automatically from these sources with no manual entry; the Slovenian page is refreshed every morning. More about the process in the methodology. We're gradually expanding coverage - currently 12 banks.
For corrections or a source takedown request, email info@finportal.si.
Consumer loan rate trend
The lowest fixed rate for a 5-year consumer loan (existing customer) per bank.
From 6 Sep 2026 to 1 Oct 2026 · our own collected rates
Addiko Bank5.45%
BKS Bank5.50%
DBS5.30%
Delavska hranilnica4.80%
Gorenjska banka5.60%
Intesa Sanpaolo Bank5.30%
LON4.90%
NLB5.80%
OTP banka5.85%
Primorska hranilnica4.40%
Sparkasse5.90%
UniCredit Banka Slovenija4.99%
What this means for you: a fixed rate stays the same until the loan is repaid, so a change in the chart only affects new loans. For a consumer loan, also compare the APR, which includes all fees.
Share calculation:
Check if you can afford the consumer loan
A quick estimate based on the currently cheapest offer above (given your chosen filters) and your income. For a more precise calculation, use the full credit capacity calculator.
How does the consumer loan comparison calculate the monthly payment?
The comparison uses each bank's publicly published nominal interest rate for the selected rate type and existing-customer status, then calculates the annuity payment from that rate, the amount and the term. Results are informational and may change.
Why is a lower interest rate shown for existing customers?
Banks often offer a better rate to customers who have a transaction account with them receiving a salary or pension, sometimes combined with additional (life) insurance. If you don't meet those conditions, untick "existing customer" and the comparison shows only offers without that requirement.
Does the comparison also show promotional offers?
Yes. Where a bank publishes a time-limited promotional rate for a consumer loan, the comparison shows it and marks it with a "Promo" badge, with the conditions listed in the offer details. Once the promotion expires, the data automatically reverts to the regular rate.
What does APR mean for a consumer loan?
APR (annual percentage rate) folds the nominal interest rate together with all one-time and monthly loan costs into a single annual figure, making it a more accurate measure of the loan's total cost than the nominal rate alone. When comparing banks with different approval fees, APR is the better yardstick.
Is the consumer loan comparison financial advice or a binding offer?
No. The comparison is informational and is not financial advice or a binding offer. The actual interest rate also depends on the borrower's creditworthiness and the bank's assessment - always check current terms with the bank before taking out a loan.
