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Cash on click

Just when you need it

  • You complete the entire process within the mobile application

  • Minimum required documentation

  • Loan amount up to RSD 400,000, up to 71 months

Cash loan through the mBanking application

Do you need cash to cover unexpected expenses or take advantage of a good buying opportunity? Look no further!

 

Our mobile cash loan offers a simple and practical solution that gives you quick access to money, and this is possible on the same day. With a more favorable interest rate and a completely online process, getting the money you need has never been easier.

100% online

More favorable interest rate

Money on your account quickly and easily

No additional documentation

It is important that you know:

  • Clients of the bank who have been receiving income from UniCredit Bank for a minimum of 6 months can apply
  • The loan is not intended for refinancing
  • The possibility of application and realization Monday - Friday from 8 am to 8 pm
  • It is necessary that the personal data you have deposited in the bank is up-to-date: a valid identity card, contact details and similar information.
Activate mBanking

  • Via payment card

  • Without going to a branch

LEARN MORE

How do I get a cash loan?

Through the mBanking application, without going to a branch.

Step 1

Logging in to the mBanking application

  • On the home screen of the application, under the products section, select Cash on Click.

Step 3

Apply

  • The personal data with the address and contact data that you have left with the bank will be displayed on the screens. Confirm or edit
  • Fill in the fields with additional information.

Step 5

Approval

  • Based on the collected data, your request is processed
  • If your loan is approved, you will receive information via mBanking notification
  • In case your request is rejected, you will receive a notification.

Step 2

Loan calculator - calculate the installment

 

  • Select the cash loan amount
  • Select the repayment term
  • According to the choice of amount and repayment term, you get the amount of the monthly installment and the terms of your online cash loan.

 

Step 4

Pre-contractual documentation

  • You receive the pre-contract documentation for review and the ability to save it on your mobile device
  • Using the OTP code that you received via SMS, you confirm that you have read the pre-contractual documentation.

Step 6

Money in your account

  • Using the PIN code for authentication within mBanking, he signs the contractual documentation.
  • In the My Documents section, the signed Contract Documents await you
  • The process is completed and the money is paid to your account.

Instructions for an online cash loan through the mBanking application, without going to the bank.

KEŠ NA KLIK UPUTSTVO PDF 2 MB Download

Online cash loan

Benefits and Requirements

BENEFITS

  • Fixed interest rate throughout the entire repayment period: NIR 7.50%, EIR 7.88%
  • Loan amount: up to RSD 600,000
  • Repayment period: 6 to 70 months

The interest is calculated using the proportional method.

One-time loan processing fee: 0% (no processing fee).
Loan maintenance fee: 0% (no maintenance fee), subject to salary transfer to UniCredit Bank.

The above terms apply to an unsecured cash loan in RSD contracted through remote channels and are valid until 13 November, 2026.

ELIGIBILITY REQUIREMENTS

  • The offer is available to clients who have been receiving their salary through UniCredit Bank for more than 6 months.
  • Creditworthiness is assessed based on the applicant's monthly income and financial obligations.
  • If the client has been employed by their current employer for less than 12 months, they must provide a written confirmation of their total employment history (Pension and Disability Insurance Fund employment record certificate) issued in its original form.urance experience) issued in the original.
A representative example of a dinar cash loan for employees with a fixed interest rate without insurance

Cash on Click Loan representative example

Business Name

UniCredit Bank

Loan amount

600.000 RSD

Nominal Interest Rate NIR

7,50%

Effective Interest Rate (EIR)

7,88%

Monthly Installment (Fixed Rate)

10.639,24 RSD

Amount

148.534,77 RSD 

Total Amount Repayable Over the Agreed Loan Repayment Period

748.534,77 RSD

Repayment Period (Months)

70 months

Promissory Note Fee

No fee

Credit Bureau Report Fee

No fee

Administrative Processing Fee

No fee

Fixed Annual Loan Maintenance Fee

No fee

Loan Security

/

Indexation Method

The loan is granted in Serbian dinars (RSD), and the Borrower is not exposed to currency exchange rate risk.

Attention! Borrowing money comes at a cost.

The Effective Interest Rate (EIR) was calculated on 6 October 2026.

The interest rate is fixed throughout the entire loan repayment period, meaning that the Borrower is not exposed to interest rate risk, as the same interest rate applies for the full duration of the loan term.

Questions and answers

Who can apply for a cash loan through mBanking?

Clients of UniCredit Bank who receive earnings for at least 6 months can apply for an online cash loan through the mBanking application.

Can I refinance a loan through the mBanking application?

The loan cannot be refinanced through the mBanking application.

What documents do I need to apply for a loan through mBanking?

No documents are required to apply through this channel, except that your data in the bank's system is up-to-date: a valid identity card, address, and the like.

Is online cash loan with insurance or not?

The online cash loan is withouth insurance.

What are the conditions for temporary repayment of an online cash loan?

The conditions for the temporary repayment of cash loans are standard, as well as for a standard loan through a branch.

If I have technical problems who do I contact?

In case of technical problems, call our contact center.

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