Loans and leasing
Only a few banks publicly offer a lower interest rate for an electric car, and the subsidy can serve as the down payment on a lease.
Translated from Serbian. Where the exact wording matters, the Serbian original applies.
- Raiffeisen: fixed interest rate of 4,99 % in EUR for new electric and hybrid vehicles
- Erste “Zeleni auto kredit”: EKS 7,40 % in EUR, 8,25 % in RSD
- Regular car loans: 6,95–8,45 % in RSD, about 5–7,65 % in EUR
- Down payment: in EUR usually at least 30 %, dinar loans often none; in leasing for individuals about 20 %
- The 5.000 € subsidy can serve as the down payment on a lease
Loans
Raiffeisen: term of 13–84 months, no mandatory down payment in RSD; the EKS is not stated on the page. The Erste loan is for cars with emissions below 50 g CO₂/km, with a fixed rate for the whole term and no collateral. OTP, Banca Intesa and UniCredit make no mention of special terms for electric cars.
Details: terms by bank
- Raiffeisen: the loan is indexed to EUR, early repayment is free of charge, and comprehensive (kasko) insurance is not required up to 50.000 €. Once approved, the subsidy reduces the down payment.
- Erste: the nominal rate (NKS) is 7,95 % in RSD and 7,15 % in EUR; the effective rate (EKS) also includes the loan costs.
- Poštanska štedionica: a lower rate for electric and hybrid vehicles is mentioned in one overview, but not on the bank's website.
- OTP, loan at the car dealership (example): EUR fixed NKS 5,88 %, EKS 6,23 %, 13–84 months, fee 2,95 %; in RSD a promotional 7,5 % up to 1.000.000 RSD, with no fee.
- Banca Intesa does not publish its rates, and its only “green” product is a housing loan. For car loans, UniCredit refers customers to UniCredit Leasing.
Leasing
The Decree does not require a 15 % down payment with the subsidy in financial leasing — see subsidies 2026. Porsche Leasing and Intesa Leasing publish no special programmes or rates for electric cars.
Details: leasing
The legal basis is Article 5 of the Decree. Porsche Leasing (VW, Audi, SEAT, Cupra) also offers the ID.5 and ID. Buzz. Comprehensive cover with a loan: insurance.
Sources (9)
- Decree on the subsidised purchase of new electric vehicles, Article 5 — the subsidy as the down payment in financial leasing
- Raiffeisen banka — electric and hybrid vehicles, guide and terms (19.02.2026)
- Erste banka — Zeleni auto kredit
- OTP banka — car loan at the dealership (representative example 01.06.2026)
- Banca Intesa — car loans
- Poštanska štedionica — car loans
- madeinchina.rs — overview of the terms of 9 banks (checked 12.08.2026)
- Porsche Leasing Srbija
- Intesa Leasing
Updated 22.09.2026 · next check 15.11.2026 · Report an error
Related
Electric cars in Serbia
All brands with official sales: importer, showrooms, models and starting price.
Used and imported electric cars
Where to buy an electric car outside the importers' showrooms, and what to check before you pay.
Electric car subsidies in Serbia 2026
In 2026 the state gives 5.000 € for a new electric car; applications are submitted via eUprava until 1 December.