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Explore a loan, a home purchase, credit-card repayment or your savings. Every result is an estimate based on your inputs.

Personal Loan · ALL

Choose a published rate option or enter your own assumptions. The calculation does not reproduce the bank’s APR or confirm an offer.

Product terms and sources →Published rate option

No rate is ready for automatic calculation in this currency. Published formulas and conditions remain available below; a rate floor is not used as your rate.

Read published rates

Nominal interest by currency

The annual nominal rate is used to calculate interest on the outstanding loan amount; it excludes fees and is different from APR. Rates depend on the currency, customer profile and fixed period. BTH refers to Albanian Treasury bills, while Euribor is a benchmark for euro borrowing. For a variable rate, the published minimum is a floor; the rate you pay may be higher.

Salary at the lending bank

Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.

ALL · Lekë

ALL · 25,000–200,00013–14.1%Fixed; 6–60 months

Normë fikse vjetore / Fixed annual rate 13–14.1%; 6–60 muaj / months; komision disbursimi / disbursement fee 2%.

Official terms · page 1 ↗

ALL · 200,001–600,00012–13.05%Fixed; 6–60 months

Normë fikse vjetore / Fixed annual rate 12–13.05%; 6–60 muaj / months; komision disbursimi / disbursement fee 2%.

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ALL · 600,001–1,000,00010.75–11.55%Fixed; 6–60 months

Normë fikse vjetore / Fixed annual rate 10.75–11.55%; 6–60 muaj / months; komision disbursimi / disbursement fee 1%.

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ALL · 1,000,001–2,000,00010–10.4%Fixed; 12–120 months

Normë fikse vjetore / Fixed annual rate 10–10.4%; 12–120 muaj / months; komision disbursimi / disbursement fee 1%.

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ALL · 2,000,001–4,000,0009–9.45%Fixed; 12–120 months

Normë fikse vjetore / Fixed annual rate 9–9.45%; 12–120 muaj / months; komision disbursimi / disbursement fee 1%.

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CurrencyAmountAnnual nominal interest (%)Term (months)Introductory or variable-rate scenarioAssumed upfront fees

Other costs and currency scenario

Other upfront costs (notary, valuation, etc.)Monthly account / package feesAssumed annual insurance

Zero means this cost is excluded, not that the bank charges nothing. Annual insurance is spread over 12 months for this estimate.

Income currency (optional)

YOUR ILLUSTRATIVE ESTIMATE

Enter the amount, nominal rate and term. Include a follow-on assumption when the rate changes.

User-entered assumptions, not a bank offer. Monthly rates equal the annual nominal rate divided by 12; bank day-count conventions may differ.

Includes the borrowed amount, interest and only the extra costs entered. Costs left at zero are excluded. Follow-on rates and exchange-rate changes are assumptions, not forecasts. This is not APR.