Agro Finance — up to ALL 3 million

Working capital or investment in farming, processing and agritourism. These rates apply only to the ALL 100,000–3,000,000 equivalent segment.

Credins Bank

Provider: Directly by the bank. No sponsored placement.

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

Interest and monthly payments over time

View rates by option (3)

ALL · Nominal interest · Fixed rate; up to ALL 3 million equivalent

Year 1: 13% – 16%Fixed rate

From year 2: 13% – 16%Same fixed rate until repayment

EUR · Nominal interest · Fixed rate; up to ALL 3 million equivalent

Year 1: 12% – 15%Fixed rate

From year 2: 12% – 15%Same fixed rate until repayment

USD · Nominal interest · Fixed rate; up to ALL 3 million equivalent

Year 1: 12% – 15%Fixed rate

From year 2: 12% – 15%Same fixed rate until repayment

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Your product context

ALL EUR USD

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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.

ALL · Lekë

Nominal interestFixed rate; up to ALL 3 million equivalent

Year 1: 13% – 16%Fixed rate

From year 2: 13% – 16%Same fixed rate until repayment

For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.

Official terms · page 18 ↗

EUR · Euro

Nominal interestFixed rate; up to ALL 3 million equivalent

Year 1: 12% – 15%Fixed rate

From year 2: 12% – 15%Same fixed rate until repayment

For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.

Official terms · page 18 ↗

USD

Nominal interestFixed rate; up to ALL 3 million equivalent

Year 1: 12% – 15%Fixed rate

From year 2: 12% – 15%Same fixed rate until repayment

For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.

Official terms · page 18 ↗

Business eligibility and documents

For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.

Who can apply: For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD. 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

Fees: Administration 0.5%–2%, minimum ALL 5,000 / EUR 50, depending on the limit. Application: ALL 1,000 for a farmer with tax/farmer ID; ALL 2,000 sole trader; ALL 5,000 companies under the tariff. USD minimum not confirmed. Source ↗
Collateral: No collateral up to ALL 3 million according to the bank page. Source ↗

Benefits and limitations

✓ Working capital: up to 36 months

✓ Investment: up to 84 months

Key published conditions
Currencies	ALL, EUR, USD
Maximum term (months)	84
Published APR (%)	ALL: Not confirmed EUR: Not confirmed USD: Not confirmed
Fees	Administrim 0.5%–2%, minimumi 5,000 LEK / 50 EUR. Aplikimi 1,000–5,000 LEK sipas formës së aktivitetit.
Collateral	Pa kolateral deri në 3,000,000 LEK, sipas faqes së bankës.

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLWorking capital	100,000 – 3,000,000	—–36	13–16%For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.
ALLInvestment	100,000 – 3,000,000	—–84	13–16%For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.
EURWorking capital	— – Confirm amount with bank	—–36	12–15%For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.
EURInvestment	— – Confirm amount with bank	—–84	12–15%For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.
USDWorking capital	— – Confirm amount with bank	—–36	12–15%For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.
USDInvestment	— – Confirm amount with bank	—–84	12–15%For farmers and agricultural businesses. The bank sets the individual rate and confirms the ALL-equivalent boundary for EUR/USD.

Official sources and supporting terms

Product page on the bank’s website ↗

Credins · Kushtet për biznes · maj 2026 ↗Reviewed pages: 18