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Loans without a salary certificate

What loan are you looking for?

Choose the amount, term and currency to narrow down the offers.

Reduced-document options for customers receiving their salary at the lender and using its specified digital channel. No salary certificate does not mean no income. Check each bank’s conditions.

Repayment term

Available terms depend on the bank and loan.

Category

Salary conditions apply separately at each bank. An account alone does not qualify as salary transfer.

Free, with no registration.

2 products · 2 banks in this category

What does the comparison include?

Results show published rates, APR and conditions. Open any offer to read its fees, documents and official sources. Final terms are confirmed by the bank.

Salary discounts are shown only when published. Monthly payments and total costs need a confirmed rate and fees.

Results depend on your choices. Our list does not cover every product on the market.

Understand APR and nominal interest →
Reference rates

What is variable interest based on?

The bank adds its margin to the reference rate and may set a minimum interest rate.

EUR · Euribor 12M3.191%

Observation date:

Older observation — check the source for a newer value.

Official source ↗
How do these rates affect my loan?

BTH 12M is the weighted-average accepted yield of 12-month Albanian Treasury bills. Euribor 12M is a euro interbank reference rate. The ECB main refinancing rate is separate and does not replace Euribor. Use the reference and reset date in your bank’s contract.

These are dated observations, not live quotes or forecasts. Euribor is published by this source with a 24-hour delay. NEI also reflects applicable loan costs.