Question 1

How does the UporediKredit platform work?

Accepted Answer

UporediKredit allows you to receive preliminary offers from multiple banks at once with a single preliminary application. The process: 1) Registration (30 seconds), 2) Filling out a preliminary application and automatic distribution to connected banks (2 minutes), 3) Receiving preliminary offers (24-48h), comparing and selecting an offer, 4) The bank contacts you to continue the process.

Question 2

Is using the platform free?

Accepted Answer

Yes, using our platform is completely free for users. We charge no fees for registration, applying, or comparing offers. Our service is funded through partnerships with banks, allowing you to use all features completely free of charge.

Question 3

What documentation do I need?

Accepted Answer

For a preliminary application, you need an ID card or passport, proof of income (payslips for the last 3 months or tax return for entrepreneurs), bank statements for the last 3 months, and proof of employment. Additional documentation may be required depending on the loan type and specific bank requirements.

Question 4

How long does the approval process take?

Accepted Answer

Processing time depends on the bank, but you usually receive the first preliminary offers within 24-48 hours. The complete approval procedure, including document verification and contract signing, can take 3 to 7 business days. Some banks also offer express approval for certain loan types.

Question 5

Can I apply if I have a bad credit rating?

Accepted Answer

You can apply regardless of your credit rating. Different banks have different criteria for loan approval. While some banks may reject an application due to a poor credit rating, others may be willing to consider your application under somewhat stricter terms. We recommend being honest about your financial situation.

Question 6

Which banks do you work with?

Accepted Answer

We work with leading banks in Bosnia and Herzegovina. Your preliminary application is automatically sent to all partner banks that offer the type of loan you are looking for. The list of partner banks is continuously expanding.

Question 7

How is my personal data protected?

Accepted Answer

The security of your data is our priority. We use the latest encryption technologies (SSL/TLS) to protect all data in transit. Your data is stored on secure servers with restricted access. We never share your data with third parties except with banks for which you have explicitly approved sending an application.

Question 8

Can I withdraw after receiving offers?

Accepted Answer

Absolutely! Receiving preliminary offers does not obligate you in any way. You are free to consider all options, consult with family or a financial advisor, and make a decision when you are ready.

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