New car loan
New-car financing for up to 4 years. Your contribution is at least 30% or 40%, depending on the model year.
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.
Salary-transfer discount unconfirmed. Request quotes with and without salary transfer.
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
BTH is the Treasury-bill rate; Euribor is the euro benchmark. Payments may change with the index. Any published floor is a lower limit, not a fixed rate.
Official terms · page 1 ↗EUR · Euro
BTH is the Treasury-bill rate; Euribor is the euro benchmark. Payments may change with the index. Any published floor is a lower limit, not a fixed rate.
Official terms · page 1 ↗USD
Nominal rate unconfirmed. Request pricing for this currency from the bank.
Employment, income & eligibility
Individuals and self-employed applicants buying for personal use. The car must have zero mileage and have been manufactured within 2 years before application.
- Vehicle use and age
- Individuals and self-employed applicants buying for personal use. The car must have zero mileage and have been manufactured within 2 years before application. Source ↗
- Security and insurance
- The vehicle is pledged to BKT and insured with Full Casco. Source ↗
- Application documents
- The bank’s document-checklist link is unavailable. Request the current list for income, vehicle and, where required, guarantors. 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
- USD
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Your contribution
- At least 30% for a current-year model; at least 40% for an earlier model, as specified in the precontract. Source ↗
- Fee and expenses
- Fee: 1.5% of the loan. The PDF estimates ALL 3,800 per notarised contract and ALL 1,400 for pledge registration. Casco is renewed annually; request the premium for your car. Source ↗
- Account and payments
- A BKT account is required. Repayment is monthly; a salary-transfer rate discount is not confirmed. Source ↗
- Why APR remains unconfirmed
- The PDF’s 9.76% example uses a 1% fee, while the terms state 1.5%. Request an updated APR with your applicable costs. Source ↗
- USD financing
- The bank lists USD, but its formula uses LIBOR. The current rate is unconfirmed; this formula is not used for calculations or ranking. Source ↗
Benefits and limitations
✓ Up to ALL 3,000,000 / EUR 25,000 / USD 30,000
✓ Up to 70% financing for a current-year model
Vehicle pledge and Full Casco are required.
APR and the current USD rate require bank confirmation.
| Currencies | ALL, EUR, USD |
|---|---|
| Salary at the lending bank | Salary-transfer discount unconfirmed. Request quotes with and without salary transfer. |
| Maximum term (months) | 48 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
| Fees | 1.5% disbursement fee; insurance and other costs apply. |
| Collateral | Purchased vehicle pledged to the bank. |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLNew car | — – 3,000,000 | —–48 | See nominal interest aboveUp to 70% of the price for a current-year model; 60% for an earlier model. For USD, request a current written rate. |
| EURNew car | — – 25,000 | —–48 | See nominal interest aboveUp to 70% of the price for a current-year model; 60% for an earlier model. For USD, request a current written rate. |
| USDNew car | — – 30,000 | —–48 | By agreementUp to 70% of the price for a current-year model; 60% for an earlier model. For USD, request a current written rate. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për makinë të re
BKT · Kredi për makinë të re · informacion parakontraktor ↗Reviewed pages: 1, 2, 3