In the Republic of Croatia, when citizens do not have sufficient own funds, they can finance the purchase of the desired goods or services with the help of loans from the offers of credit institutions, ie banks. To begin with, the most important thing is to determine the purpose of the loan, because loans are divided into special-purpose and non-special-purpose loans. Dedicated loans are created for a specific purpose and as such cannot be used in any other way, while non-purpose loans are paid into citizens' accounts and they use them in the desired way. Once the purpose of the loan has been selected, it is necessary to research the offer of the selected type of loan on the market. Attention should be paid to the decision on the loan amount, loan term, loan currency, type of loan interest rate, and information on loan risks, collateral and related costs related to concluding a loan agreement should be provided. Considering the numerous credit institutions, ie banks in the Republic of Croatia, in the second part of the paper an analysis of two loans in the same amount, the same currency and in the same repayment period was made only in two different banks, Sberbank and Privredna banka Zagreb. According to the performed analysis and according to the loan repayment plan in Sberbank and Privredna banka Zagreb, the biggest role in choosing a more favorable loan is played by the interest rate, which is also the price of the loan.