Credit with cash collateral

A consumer loan intended for customers using the Bank’s savings products, who can get a loan if they pledge a deposit or part thereof as collateral.




Up to 90% of the deposit



Loan term

Up to 3 years


  • Transparent pricing – fixed interest rate composed of the deposit interest rate at the time of conclusion of the consumer loan contract plus a 2.5 p.p. surcharge.

  • Sale of a simple product – no sales of packages of additional services involving additional monthly expenses.

  • Option of having a grace period on the principal.

  • Choice of repayment plan – annuities or decreasing instalments.

  • Clearly defined components of loan APR.

  • Loan with no application fee.

  • Loan with no early repayment fee.


  • The loan applicant must be a legally capable local individual aged 18 or over.

  • The loan applicant must have a history of regular payments on their existing loans.

How to apply

At a bank branch

Discuss the transaction with one of our consultants. Complete a loan application form and prepare the required documents.

Online enquiry

Complete the online enquiry form and one of our consultants will get back to you.

  • Copy of the loan applicant’s ID card.

  • Loan application in the Bank’s standard form.

  • Contract for deposit(s) pledged as collateral for the loan.

  • Declaration regarding related persons – in the Bank’s standard form, if applicable.