Independent comparisons. Official bank sources.How we compare ↗
SQ

Quick loan — instalment purchases

For goods and services from businesses with a Fibank agreement. Interest is 0%, but borrowing has costs.

First Investment Bank Albania
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

Year 1
0%Fixed rate
Monthly payment—
From year 2
0%Same fixed rate until repayment
Monthly payment—

Choose your amount, term, currency and customer category to see the summary.

Choose your loan details →
Request loan information

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 at the lending bank

Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.

ALL · Lekë

Purchases from participating businessesThroughout the term, up to 24 months
Year 1
0%Fixed rate
From year 2
0%Same fixed rate until repayment

0% is the nominal rate. The commission and account fee are separate; this is not cost-free borrowing.

Official terms · page 1 ↗

Employment, income & eligibility

For purchases from a merchant with a bank agreement; declared income and bank assessment are required.

Documents
ID or passport, personal and family certificates, contribution certificate, merchant proforma and application form. 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

The bank confirms personal APR for the amount, term and fee arrangement. General webpage figures omit the full assumptions.

Repayment, costs & documents

Amount and disbursement
Up to ALL 300,000 and 24 months; up to 100% of the invoice. Funds are paid to the merchant. The limit may include the fee. Source ↗
Borrower-paid fee
One-off fee: 6% at 6 months, 9% at 12 months, 12% at 18 months and 16% at 24 months. The bank confirms fees for other terms. Source ↗
Merchant-paid fee
Under the “No commission” variant, the merchant pays the commission. Confirm which agreement applies to your purchase. Source ↗
Monthly account fee
ALL 100 monthly for the repayment account; this fee appears in both variants. Source ↗
Early repayment
No fee for partial or full early repayment. Source ↗

Benefits and limitations

✓ Up to ALL 300,000

✓ Term up to 24 months

0% interest excludes the commission and monthly account fee.

Key published conditions
CurrenciesALL
Salary at the lending bankSalary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Maximum amountALL 300,000
Maximum term (months)24
Published APR (%)Not confirmed
FeesKomision sipas variantit dhe afatit: 6% / 9% / 12% / 16%; llogari 100 LEK/muaj. Fee depends on variant and term; account ALL 100/month.
CollateralPa kolateral ose garantor / No collateral or guarantor
Official sources and supporting terms

Product page on the bank’s website ↗

Fibank · Kredi e shpejtë · Komisionin e paguan klienti ↗Reviewed pages: 1, 2

Fibank · Kredi e shpejtë · Komisionin e paguan biznesi ↗Reviewed pages: 1, 2