A loan in North Macedonia, with one request.
Tell us how much you need and we pass your request to a licensed lender. Free, with no obligation.
Which loan fits you?
"A loan" can mean very different things. Before you apply, it helps to know what kind of loan you are actually looking for — it affects the amount, the term and which lender is the best fit.
- Quick loans — for a smaller amount, when you want a fast answer.
- Online loan — when you want to apply over the internet, without visiting a branch.
- Consumer loan — for personal needs, repaid in monthly instalments over an agreed term.
- Cash in hand — when you want the funds as soon as possible after approval.
- Loan without a guarantor — when nobody can co-sign for you.
Kreditzamene currently matches requests for consumer and quick loans from 6,000 to 150,000 MKD. For mortgages and housing loans, it's best to go to a bank directly.
Who is allowed to lend in North Macedonia?
Loans to individuals are provided by banks, licensed and supervised by the National Bank of the Republic of North Macedonia, and by financial companies, licensed by the Ministry of Finance. Before signing a contract, check that the lender is licensed to operate.
Kreditzamene works only with licensed partners. We don't lend money — we pass your request to a partner whose terms may suit you, and the partner makes the decision and sets the terms.
Before you apply: three questions to ask yourself
- How much do I really need? Borrow only what you need — every extra denar means more interest.
- What monthly payment can I comfortably afford? Plan for a payment you could still make in a month with an unexpected expense.
- Do I have other obligations in the same period? Existing instalments affect both your budget and the lender's assessment.
Borrowing costs money. If you're not sure you can make the payments regularly, ask for a smaller amount or wait.
Kreditzamene is a matching and referral platform. We are not a lender or a bank and we do not make credit decisions. Matching is free; if you take out a loan through a partner, that partner may pay us a referral fee. Licenses & disclosures.
This is general educational information, not personal financial advice or a credit offer.