The focus of the diploma thesis is loans, and that's unintended. A comparison was made through three banks in the Republic of Croatia. The banks in question are Raiffeisen banka, Privredna banka Zagreb and Zagrebačka banka. Since the focus is on non-purpose loans, it is also about active banking operations. The criteria on the basis of which the analyzes were made are loan amounts, interest rate, repayment term, repayment method. We will talk about the concept of bank, a little about the history of the banking system in Croatia, what it is and what banking jobs are, loans and the functions of loans. How does the lending process work and how is the loan installment calculated? The analysis of non-purpose loans in selected banks will be presented, but through graphical representations, descriptions and tables. What are banks? The simplest explanation is that banks are financial institutions that collect funds from citizens and then distribute them further. They also provide financial services to all their clients. Sometimes some services have benefits if the client has an open bank account. As for loans, it is the financial help that clients ask from banks when they don't have enough money of their own. Non-purpose loans are loans for which the bank will not ask the client for a precisely described purpose. When this type of loan is taken out, there is no control by the bank on how and in what way consumption is done.