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
Currencies	ALL
Salary at the lending bank	Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Maximum amount	ALL 300,000
Maximum term (months)	24
Published APR (%)	Not confirmed
Fees	Komision sipas variantit dhe afatit: 6% / 9% / 12% / 16%; llogari 100 LEK/muaj. Fee depends on variant and term; account ALL 100/month.
Collateral	Pa 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