Online loans: how applying over the internet works
One request over the internet, with no queues and no branch visit. We pass it to a licensed lender whose terms may suit you.
What does "online loan" mean?
An online loan — in Macedonian often searched as "kredit online" or "online krediti" — means you send your loan request over the internet instead of going to a branch. You can do it from your phone or computer, whenever it suits you.
Applying online doesn't change the rules. The lender still has to verify who you are and whether you can repay regularly. Some lenders offer a fully digital process; with others, the contract is signed in a branch.
How applying through Kreditzamene works
- You choose an amount from 6,000 to 150,000 MKD and leave your name, phone and email.
- With your consent, we pass your request to a licensed partner whose terms may suit you.
- If the partner has an offer, they contact you directly and explain the terms.
- You decide whether to go ahead. Submitting is not a contract and doesn't commit you.
Staying safe online
- Only enter your details on a site with a secure connection (https) and the correct address.
- Kreditzamene never asks for a password, a one-time code or a payment card number.
- Never pay up front to "approve" or "release" a loan — that is a sign of fraud.
- Before signing, check that the lender is licensed to operate in North Macedonia.
Read more about how we protect your data on our Security page.
Online or in a branch?
Applying online saves time: no queues, no opening hours, and no going from lender to lender. In a branch, you can ask questions in person. The assessment rules are the same however you apply.
Need an answer as soon as possible? Read what affects the speed of quick loans.
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.