Finances energy-saving equipment at Credins partners: ALL 50,000–2,000,000, 12–84 months. The partner covers the fee and, for the 12-month option, interest under the agreement.
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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.
PagaPlus rates require salary at Credins and the PagaPlus package. Compare the same currency and term with the option without the package; an account alone is insufficient.
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 ↗The partner pays interest and the fee. This does not establish 0% borrower APR; insurance and other costs remain.
Official terms · page 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Salary or business income and purchase of eligible equipment from Credins partner companies. Guarantees depend on amount.
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 →
Bank illustration for the up-to-84-month band; the exact calculation amount and term are not separately specified. The partner covers the fee; the borrower pays interest and insurance.
Bank’s example · page 1 ↗Bank illustration for the up-to-84-month band; the exact calculation amount and term are not separately specified. The partner covers the fee; the borrower pays interest and insurance.
Bank’s example · page 1 ↗✓ Energy-efficiency improvements
✓ Online application
The document shows 11.68% APR for its 12-month, 5.8% illustration but says the partner pays interest. The borrower’s effective cost after subsidy needs confirmation and is not shown as 0% APR.
| Currencies | ALL |
|---|---|
| Salary at the lending bank | PagaPlus rates require salary at Credins and the PagaPlus package. Compare the same currency and term with the option without the package; an account alone is insufficient. |
| Minimum term (months) | 12 |
| Maximum term (months) | 84 |
| Published APR (%) | 9.92 – 11.03% · see examples and conditions |
| Fees | Disbursim / disbursement 2%, paguhet nga partneri / paid by partner; aplikim / application 0 online / 1,000 ALL degë / branch |
| Collateral | Sipas shumës / According to amount |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLPartner purchases | 50,000 – 2,000,000 | 12–84 | See nominal interest aboveEligible goods at partner companies; confirm subsidy terms with the partner. |
Product page on the bank’s website ↗
Shkarko Kushtet ↗Reviewed pages: 1, 2
