Personal loan in ALL/EUR, up to ALL 1.5 million and 7 years. Fixed rates for terms up to 3 years; variable options for longer terms, depending on PagaPlus.
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 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 1 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 1 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 2 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 2 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 2 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 2 ↗Subject to bank assessment and contract.
Official terms · page 3 ↗Subject to bank assessment and contract.
Official terms · page 3 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 1 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 1 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 2 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 2 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 2 ↗12, 24 or 36-month band; a longer-term rate does not automatically apply to a 12-month loan.
Official terms · page 2 ↗Subject to bank assessment and contract.
Official terms · page 3 ↗Subject to bank assessment and contract.
Official terms · page 3 ↗Salary at Credins or another bank, or business income. PagaPlus requires salary at Credins and the package; 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 →
Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 1 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 1 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 2 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 2 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 2 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 2 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 1 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 1 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 2 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 2 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 2 ↗Published APR at the maximum term of the band. The example principal is not clearly identified and is not inferred from the payment. Confirm all cost assumptions in the personal schedule.
Bank’s example · page 2 ↗✓ Online application
✓ Personal-use financing
Displayed APRs are fixed-rate examples for 12/24/36 months. Seven-year illustrations need clarification: ALL APRs of 7.45/8.58% fall below the 8/9% nominal floors and are excluded from current figures.
| Currencies | ALL, EUR |
|---|---|
| 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 (%) | ALL: 11.24 – 17.69% EUR: 11.35 – 17.99% · see examples and conditions |
| Fees | Disbursim / Disbursement: 1–2%; aplikim / application: 0 ALL online, 1,000 ALL në degë / branch |
| Collateral | Sipas shumës dhe profilit / Depends on amount and profile |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLConsumer loan | — – 1,500,000 | 12–84 | See nominal interest aboveThe numeric EUR cap and minimum amount are not clearly stated in the product sheet. |
| EURConsumer loan | — – Confirm amount with bank | 12–84 | See nominal interest aboveThe numeric EUR cap and minimum amount are not clearly stated in the product sheet. |
Product page on the bank’s website ↗
Shkarko Kushtet ↗Reviewed pages: 1, 2, 3, 4
