Salary overdraft
One to five net salaries, with separate pricing for the Paga Plus package.
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 (6)
ALL · With Paga Plus · Annual interest
- Year 1
- Not confirmed by the bankPublished rate: 14%
- From year 2
- Not confirmed by the bank
ALL · Without Paga Plus · Annual interest
- Year 1
- Not confirmed by the bankPublished rate: 15%
- From year 2
- Not confirmed by the bank
EUR · With Paga Plus · Annual interest
- Year 1
- Not confirmed by the bankPublished rate: 12%
- From year 2
- Not confirmed by the bank
EUR · Without Paga Plus · Annual interest
- Year 1
- Not confirmed by the bankPublished rate: 13%
- From year 2
- Not confirmed by the bank
USD · With Paga Plus · Annual interest
- Year 1
- Not confirmed by the bankPublished rate: 12%
- From year 2
- Not confirmed by the bank
USD · Without Paga Plus · Annual interest
- Year 1
- Not confirmed by the bankPublished rate: 13%
- From year 2
- Not confirmed by the bank
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.
Paga Plus reduces interest by one percentage point versus customers without the package. Salary transfer alone does not qualify for this price.
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
- Year 1
- Not confirmed by the bankPublished rate: 14%
- From year 2
- Not confirmed by the bank
Paga Plus requires salary transfer and has a monthly fee. The tariff does not state a guaranteed fixed-rate period.
Official terms · page 11 ↗- Year 1
- Not confirmed by the bankPublished rate: 15%
- From year 2
- Not confirmed by the bank
Paga Plus requires salary transfer and has a monthly fee. The tariff does not state a guaranteed fixed-rate period.
Official terms · page 11 ↗EUR · Euro
- Year 1
- Not confirmed by the bankPublished rate: 12%
- From year 2
- Not confirmed by the bank
Paga Plus requires salary transfer and has a monthly fee. The tariff does not state a guaranteed fixed-rate period.
Official terms · page 11 ↗- Year 1
- Not confirmed by the bankPublished rate: 13%
- From year 2
- Not confirmed by the bank
Paga Plus requires salary transfer and has a monthly fee. The tariff does not state a guaranteed fixed-rate period.
Official terms · page 11 ↗USD
- Year 1
- Not confirmed by the bankPublished rate: 12%
- From year 2
- Not confirmed by the bank
Paga Plus requires salary transfer and has a monthly fee. The tariff does not state a guaranteed fixed-rate period.
Official terms · page 11 ↗- Year 1
- Not confirmed by the bankPublished rate: 13%
- From year 2
- Not confirmed by the bank
Paga Plus requires salary transfer and has a monthly fee. The tariff does not state a guaranteed fixed-rate period.
Official terms · page 11 ↗Employment, income & eligibility
Credins salary account, regular income and bank approval.
- Documents
- ID and income evidence, such as a salary or employment certificate; the bank may request additional documents. 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
These sources do not publish an overdraft APR illustration. Request an APR that includes the selected package.
Repayment, costs & documents
- Limit and term
- 100%–500% of net salary; up to 24 months. Source ↗
- Application fee
- ALL 500, waived for Paga Plus customers. No administration fee. Source ↗
- Usage
- Interest only on the amount used; account credits reduce the debt. This is not a loan with a constant installment. Source ↗
- Paga Plus cost
- ALL 180 or EUR 1.8 per month. Salary must be paid through Credins. Source ↗
Benefits and limitations
✓ Up to five net salaries
✓ No administration fee
| Currencies | ALL, EUR, USD |
|---|---|
| Salary at the lending bank | Paga Plus reduces interest by one percentage point versus customers without the package. Salary transfer alone does not qualify for this price. |
| Maximum term (months) | 24 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
| Fees | Aplikim 500 LEK; 0 për Paga Plus. Administrim 0. |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLOne to five net salaries | — – Confirm amount with bank | —–24 | See nominal interest aboveSubject to profile and bank assessment. |
| EUROne to five net salaries | — – Confirm amount with bank | —–24 | See nominal interest aboveSubject to profile and bank assessment. |
| USDOne to five net salaries | — – Confirm amount with bank | —–24 | See nominal interest aboveSubject to profile and bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Paradhënie mbi pagën
Credins — Kushtet për individë, 16 qershor 2026 ↗Reviewed pages: 11, 16