In the final paper the definition of loan will be elaborated. In the first part of the paper the models of loan repayment by equal annuities, by equal instalment quotes and loan conversion will be presented. Special emphasis will be on tourism loans intended for private renters in tourism, for the purchase, equipping or adaptation of tourist capacities. Given that loan terms differ from bank to bank, the paper deals with their comparison based on five banks in the Republic of Croatia: Karlovačka banka d.d., Zagrebačka banka d.d., OTP banka Hrvatska d.d., Raiffeisenbank Hrvatska and the Hrvatska poštanska banka d.d.. The most important factors influencing the decision making process of loan taking will be extracted and compared. At the very end of the work repayment tables were created on a fictitious example of a private renter who wants to take a loan of 80,000.00 HRK, on a repayment term of 3 years. Out of the total amount of the annuities after the expiry of the repayment deadline, the bank that offers the most favorable terms of the tourist loan is finally exposed