iKeš - The Power of Choice at Every Step
Every minute until the loan is dedicated to you? It's possible!
When every step towards the loan is dedicated to you, everything is possible - from home renovations to dream vacations with loan approval in 3 to 8 minutes.
With iKeš, you choose a service that puts you first.
Freedom of choice at every step: Make memorable moments possible
Explore new possibilities and create a loan application tailored to your needs.
Choose the appropriate amount, repayment term, and desired monthly installment with a fixed interest rate.
Apply online for an iKeš loan – get a loan in up to 8 minutes.
Amount up to 50,000 BAM
Fixed interest rate
from 3.90% (effective interest rate 5.38%)*
Repayment term up to 10 years
*No processing fee for iKeš loans.
*The effective interest rate (EIR) for the iKeš loan is calculated on an amount of BAM 50,000 and a repayment term of 60 months. The calculation of the effective interest rate includes the loan interest rate, loan account maintenance fee, cost of purchasing promissory notes, administrative ban notarization fee, and insurance cost.
- If you already have an active loan product with Raiffeisen Bank, you will receive information about loan approval within 8 minutes. Secure the funds you need simply and quickly.
- If you do not have an active loan product with Raiffeisen Bank, please visit the nearest branch. After signing the relevant consent forms, our employees are available to assist you in submitting an online application for an iKeš loan, allowing you to take advantage of the benefits associated with this product.