Personal loan in ALL/EUR, up to ALL 1.5 million and 7 years. Fixed rates for terms up to 3 years; variable options for longer terms, depending on PagaPlus.
Maximum termALL: 84 months
EUR: 84 monthsDepending on amount and option
Maximum amountALL: ALL 1,500,000
EUR: UnconfirmedSubject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
PagaPlus rates require salary at Credins and the PagaPlus package. Compare the same currency and term with the option without the package; an account alone is insufficient.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Who can apply? Salary at Credins or another bank, or business income. PagaPlus requires salary at Credins and the package; guarantees depend on amount.
Online applicationPersonal-use financing
Displayed APRs are fixed-rate examples for 12/24/36 months. Seven-year illustrations need clarification: ALL APRs of 7.45/8.58% fall below the 8/9% nominal floors and are excluded from current figures.
Finances energy-saving equipment at Credins partners: ALL 50,000–2,000,000, 12–84 months. The partner covers the fee and, for the 12-month option, interest under the agreement.
Maximum termALL: 84 monthsDepending on amount and option
Maximum amountALL: ALL 2,000,000Subject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
PagaPlus rates require salary at Credins and the PagaPlus package. Compare the same currency and term with the option without the package; an account alone is insufficient.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Who can apply? Salary or business income and purchase of eligible equipment from Credins partner companies. Guarantees depend on amount.
Energy-efficiency improvementsOnline application
The document shows 11.68% APR for its 12-month, 5.8% illustration but says the partner pays interest. The borrower’s effective cost after subsidy needs confirmation and is not shown as 0% APR.
Maximum termALL: 300 months
EUR: 300 months
USD: 300 monthsDepending on amount and option
Maximum amountALL: ALL 40,000,000
EUR: Unconfirmed
USD: UnconfirmedSubject to bank approval
Interest and conditions
Nominal interest by currency
Salary at the lending bankSalary conditions
PagaPlus pricing requires salary at Credins and the relevant package. Customers without that package have different rates, even if they hold an account. See both options by currency.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Who can apply? Business registration, financial statements, legal representative identification, financing purpose and collateral documents. Further documents may be required.
Business-specific structureEquipment and expansion
Final pricing depends on segment, risk and security. A numeric APR was not confirmed for this investment loan.
