Personal Loan
Personal borrowing supported by salary, rental or self-employment income.
Cost summary
Indicative figures- Monthly payment
- UnconfirmedPer month
- Total interest
- UnconfirmedOver the whole term
- Fees
- UnconfirmedUpfront bank fee only
- Total repayment
- UnconfirmedLoan + interest + known fee
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →Your product context
Calculate with this product →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.
The fee varies by income source: 1% salary, 2% other income. This does not establish an interest discount for transferring salary to ABI.
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.
Bank’s salary conditions ↗ALL · Lekë
Subject to bank assessment and contract.
Official terms · page 1 ↗EUR · Euro
Subject to bank assessment and contract.
Official terms · page 1 ↗Employment, income & eligibility
Verifiable salary, rental income or self-employed professional income; ID and income evidence required.
- Income source
- Verifiable salary, rental income or self-employed professional income; ID and income evidence required. Source ↗
Annual percentage rate (APR)
APR (annual percentage rate) expresses borrowing costs as a yearly percentage, including interest and the fees included in the calculation. The nominal rate covers interest alone. APR is not an additional charge. Where available, the bank’s published examples are shown below; your offer may differ. Compare the same currency, amount, term and customer profile.
Understand APR and the nominal rate, with an example →
- ALL
- Not confirmed
- EUR
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Amount and profile
- ALL 25,000–2,000,000 or EUR equivalent; above ALL 1,500,000 only for Premier. Term 6–84 months. Source ↗
- Disbursement fee
- 1% for salary income; 2% for other income; minimum ALL 3,000 / EUR 20. Refinancing another bank: 0%. Income source does not establish a discount for salary transfer to ABI. Source ↗
- Early repayment
- No fee for full or partial early repayment of the unsecured option. Source ↗
Benefits and limitations
✓ No collateral
✓ 6 months–7 years
Current APR was not confirmed. The 2022 example is excluded from current pricing; nominal formulas come from the rate sheet effective 20 July 2026.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | The fee varies by income source: 1% salary, 2% other income. This does not establish an interest discount for transferring salary to ABI. |
| Minimum term (months) | 6 |
| Maximum term (months) | 84 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 1% të ardhura nga paga / salary income; 2% të tjera / other income; min 3,000 ALL / 20 EUR; rifinancim / refinancing 0% |
| Collateral | Pa kolateral / No collateral |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLStandard | 25,000 – 1,500,000 | 6–84 | See nominal interest aboveEUR limits are ALL equivalents, not a fixed converted amount. |
| ALLPremier | 1,500,001 – 2,000,000 | 6–84 | See nominal interest aboveAmounts above ALL 1.5 million or equivalent require Premier status. |
| EURStandard | — – Confirm amount with bank | 6–84 | See nominal interest aboveEUR limits are ALL equivalents, not a fixed converted amount. |
| EURPremier | — – Confirm amount with bank | 6–84 | See nominal interest aboveAmounts above ALL 1.5 million or equivalent require Premier status. |
Official sources and supporting terms
Product page on the bank’s website ↗
Normat e interesit per individ - 20 Korrik 2026 ↗Reviewed pages: 1, 2