Loans

We offer credit products to individuals employed on a permanent or fixed-term basis, as well as to pensioners.

Special Purpose Loans

Achieve your goals with the Universal Capital Bank’s tailored loan solutions. Whether you need a cash loan, a housing loan to purchase your dream home, or a loan to cover tuition fees, we offer flexible terms and competitive interest rates. Our team is here to help you choose the best option, with a quick approval process and fully transparent conditions. Reach your goals with financial support you can count on.

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Loans for Pensioners with the Lowest Interest Rates
In line with the initiative of the Central Bank of Montenegro (CBCG), the Universal Capital Bank AD Podgorica has reduced interest rates for the following products:

Loans for Pensioners with Individual Insurance Policy

Krediti za penzionere sa individualnom polisom osiguranja

Loans for Pensioners with Free Insurance Policy

Krediti za penzionere sa besplatnom polisom osiguranja

Loans for Foreign Currency Pensioners

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Student Loans for Universities in Montenegro and Abroad

Loans are available to Montenegrin citizens. All regular students, postgraduate, and master's degree applicants (including those studying abroad) are eligible to apply.