Consumer loan — Limited offer
Personal spending up to ALL 3 million and ten years, without a mortgage.
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 (2)
ALL · Up to ALL 2 million · payroll · Annual interest
- Year 1
- BTH 12M + 7%, min 9.9%Variable · the benchmark may change
- From year 2
- BTH 12M + 7%, min 9.9%Variable · the benchmark may change
ALL · Up to ALL 2 million · standard · Annual interest
- Year 1
- BTH 12M + 8%, min 10.9%Variable · the benchmark may change
- From year 2
- BTH 12M + 8%, min 10.9%Variable · the benchmark may change
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.
Fibank payroll reduces the interest margin and floor by one percentage point; the management fee falls from 2% to 1%.
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
- BTH 12M + 7%, min 9.9%Variable · the benchmark may change
- From year 2
- BTH 12M + 7%, min 9.9%Variable · the benchmark may change
The PDF permits an increase of up to three percentage points based on risk. Personal pricing requires confirmation; no guaranteed installment is generated from the minimum rate.
Official terms · page 2 ↗- Year 1
- BTH 12M + 8%, min 10.9%Variable · the benchmark may change
- From year 2
- BTH 12M + 8%, min 10.9%Variable · the benchmark may change
The PDF permits an increase of up to three percentage points based on risk. Personal pricing requires confirmation; no guaranteed installment is generated from the minimum rate.
Official terms · page 2 ↗Employment, income & eligibility
Employed or self-employed Albanian citizen, with annual turnover below ALL 14 million.
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 page’s 12.11% APR is for ALL 3 million, without a clear term and with rates that differ from the PDF. It is not treated as a verified offer APR.
Repayment, costs & documents
- Management fee
- 2% standard, 1% for Fibank salary customers. 0% for refinancing with extra funds when the refinanced balance exceeds 50% of the requested loan. Source ↗
- Application and account
- The PDF and page table list an ALL 2,800 application fee, while the page heading says free. Confirm it. Account: ALL 100 per month. Source ↗
- Above ALL 2 million
- The PDF gives lower pricing for ALL 2,000,001–3,000,000 than the page table. This band requires a confirmed bank quote. Source ↗
- Early repayment
- No fee for partial or full early repayment. Source ↗
Benefits and limitations
✓ No mortgage
✓ Up to ten years
Rates above ALL 2 million and the application fee conflict between sources.
| Currencies | ALL |
|---|---|
| Salary at the lending bank | Fibank payroll reduces the interest margin and floor by one percentage point; the management fee falls from 2% to 1%. |
| Maximum term (months) | 120 |
| Published APR (%) | Not confirmed |
| Fees | 2% standard / 1% pagamarrës; aplikim 2,800 LEK |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLConsumer loan | — – 3,000,000 | —–120 | See nominal interest aboveSubject to profile and bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi konsumatore — Ofertë e limituar
Fibank — Kredi konsumatore e pasiguruar, ofertë e limituar ↗Reviewed pages: 1, 2, 3, 4
Fibank — Kredi hipotekare e pasiguruar, ofertë e limituar ↗Reviewed pages: 1, 2, 3, 4