An ALL personal loan for everyday needs without collateral.
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.
During the variable-rate period, salary at Fibank lowers the margin/floor from 5.99% to 4.99%. The initial rate is unchanged. Management is 1% for payroll, 1.5% standard; income bands apply.
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 ↗Then: BTH 12M + 4.99%, min 4.99%
Declared net income >ALL 75,000. The bank may increase the rate by up to 3 points based on risk.
Official terms · page 2 ↗Then: BTH 12M + 5.99%, min 5.99%
Declared net income >ALL 75,000. The bank may increase the rate by up to 3 points based on risk.
Official terms · page 2 ↗Then: BTH 12M + 4.99%, min 4.99%
Declared net income >ALL 75,000. The bank may increase the rate by up to 3 points based on risk.
Official terms · page 2 ↗Then: BTH 12M + 5.99%, min 5.99%
Declared net income >ALL 75,000. The bank may increase the rate by up to 3 points based on risk.
Official terms · page 2 ↗Then: BTH 12M + 4.99%, min 4.99%
Declared net income >ALL 120,000. The bank may increase the rate by up to 3 points based on risk.
Official terms · page 2 ↗Then: BTH 12M + 5.99%, min 5.99%
Declared net income >ALL 120,000. The bank may increase the rate by up to 3 points based on risk.
Official terms · page 2 ↗Declared net income above ALL 75,000/month and at least 6 months of income history. Albanian citizen, employed or self-employed with annual turnover below ALL 14 million.
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 for ALL 4 million; the example term is not explicitly stated. The fixed rate applies for 12 months only, then 12M T-bills + 5.99%, floor 5.99%; payroll customers receive a 1 percentage point reduction during the variable period.
Bank’s example ↗Published APR for ALL 4 million; the example term is not explicitly stated. The fixed rate applies for 36 months only, then 12M T-bills + 5.99%, floor 5.99%; payroll customers receive a 1 percentage point reduction during the variable period.
Bank’s example ↗✓ Up to ALL 4 million
✓ Up to 10 years
The page advertises 7.5% for 3 years; the PDF assigns the 3-year option to income above ALL 120,000 and the 2-year option to the above-ALL-75,000 band. Confirm the applicable income option.
| Currencies | ALL |
|---|---|
| Salary at the lending bank | During the variable-rate period, salary at Fibank lowers the margin/floor from 5.99% to 4.99%. The initial rate is unchanged. Management is 1% for payroll, 1.5% standard; income bands apply. |
| Maximum term (months) | 120 |
| Published APR (%) | 8.75 – 8.78% · see examples and conditions |
| Fees | Administrim / management 1.5% standard, 1% pagamarrës / payroll; aplikim / application 2,800 ALL; llogari / account 100 ALL/muaj / month |
| Collateral | Pa kolateral; bashkëkredimarrës sipas shumës/të ardhurave / No collateral; co-borrower by amount/income |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLNet income >ALL 75,000 | — – 3,000,000 | —–120 | See nominal interest aboveA co-borrower is required depending on amount and income; see guarantees. |
| ALLNet income >ALL 120,000 | — – 4,000,000 | —–120 | See nominal interest aboveA co-borrower is required depending on amount and income; see guarantees. |
| ALLNet income >ALL 240,000 | — – 4,000,000 | —–120 | See nominal interest aboveA co-borrower is required depending on amount and income; see guarantees. |
Product page on the bank’s website ↗
Informacioni parakontraktor Kredise Konsumatore pdf303.41 KB ↗Reviewed pages: 1, 2, 4
