VIP consumer loan

Up to ALL 3 million for personal needs, with initial fixed then variable interest.

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

View rates by option (4)

ALL · Fibank payroll · 12 months fixed · Fixed for the first 12 months

Year 1: 6.5%Fixed rate

Years 2–10: BTH 12M + 5.99%, minimum 7.99%

ALL · Standard · 12 months fixed · Fixed for the first 12 months

Year 1: 6.5%Fixed rate

Years 2–10: BTH 12M + 6.99%, minimum 8.99%

ALL · Fibank payroll · 24 months fixed · Fixed for the first 24 months

Year 1: 8.5%Fixed rate

Year 2: 8.5%Fixed rate
Years 3–10: BTH 12M + 5.99%, minimum 7.99%

ALL · Standard · 24 months fixed · Fixed for the first 24 months

Year 1: 8.5%Fixed rate

Year 2: 8.5%Fixed rate
Years 3–10: BTH 12M + 6.99%, minimum 8.99%

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

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Your product context

ALL

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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

Fibank payroll customers have a 1-percentage-point lower follow-on margin and floor, with a 1% management fee.

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

Salary paid into this bankFibank payroll · 12 months fixedFixed for the first 12 months

Year 1: 6.5%Fixed rate

Years 2–10: BTH 12M + 5.99%, minimum 7.99%

The bank may add up to 3 percentage points based on risk assessment.

Official terms · page 2 ↗

Other customersStandard · 12 months fixedFixed for the first 12 months

Year 1: 6.5%Fixed rate

Years 2–10: BTH 12M + 6.99%, minimum 8.99%

The bank may add up to 3 percentage points based on risk assessment.

Official terms · page 2 ↗

Salary paid into this bankFibank payroll · 24 months fixedFixed for the first 24 months

Year 1: 8.5%Fixed rate

Year 2: 8.5%Fixed rate
Years 3–10: BTH 12M + 5.99%, minimum 7.99%

The bank may add up to 3 percentage points based on risk assessment.

Official terms · page 2 ↗

Other customersStandard · 24 months fixedFixed for the first 24 months

Year 1: 8.5%Fixed rate

Year 2: 8.5%Fixed rate
Years 3–10: BTH 12M + 6.99%, minimum 8.99%

The bank may add up to 3 percentage points based on risk assessment.

Official terms · page 2 ↗

Employment, income & eligibility

For employed or self-employed applicants meeting VIP criteria. The PDF requires declared net salary of at least ALL 50,000 for salary income, and annual declared turnover up to ALL 14 million for sole traders.

Co-borrower: Above ALL 1,500,000 a co-borrower is required; one may also be required below this amount for insufficient income or applicants under 19. Source ↗
Documents: Application form, applicant and co-applicant ID, income evidence, personal and family certificates; additional documents as requested. 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 page gives 9.91% and 10.15% APR for ALL 3 million but does not specify the example term or profile. The PDF leaves APR for the personal offer.

Repayment, costs & documents

Upfront fees: Application: ALL 2,800. Management: 1.75% standard or 1% with Fibank payroll. Source ↗
Refinancing: 0% management fee for refinancing other institutions with additional funds, where refinanced loans exceed 50% of the requested amount. Source ↗
Account: Account fee ALL 100 monthly. Source ↗

Benefits and limitations

✓ Up to ALL 3 million

✓ Term up to 10 years

Published rates may increase following bank assessment.

Key published conditions
Currencies	ALL
Salary at the lending bank	Fibank payroll customers have a 1-percentage-point lower follow-on margin and floor, with a 1% management fee.
Maximum amount	ALL 3,000,000
Maximum term (months)	120
Published APR (%)	Not confirmed
Fees	Menaxhim 1.75% standard / 1% pagamarrës; aplikim 2,800 LEK; llogari 100 LEK/muaj. / Management 1.75% standard / 1% payroll; application ALL 2,800; account ALL 100/month.
Collateral	Pa kolateral; bashkëkredimarrës sipas shumës dhe të ardhurave / No collateral; co-borrower depending on amount and income

Official sources and supporting terms

Product page on the bank’s website ↗

Fibank · Kredi konsumatore VIP · Informacion parakontraktor ↗Reviewed pages: 1, 2, 3, 4