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

Nominal interestThroughout the loan term

Year 1: 0%Fixed rate

From year 2: 0%Same fixed rate until repayment

6% fee up to 6 months or 9% up to 12 months; 0% nominal does not mean cost-free credit.

Official terms ↗

Employment, income & eligibility

Only at universities with a Fibank agreement. Confirm whether your university is included. A social-insurance contribution certificate is required.

Who can apply: Only at universities with a Fibank agreement. Confirm whether your university is included. A social-insurance contribution certificate is required. Source ↗
Documents: ID, personal/family certificate, social-insurance contribution certificate and university tuition invoice. 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

No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.

Repayment, costs & documents

Fees: Management fee 6% up to 6 months or 9% up to 12 months. No application or early closure fee. Source ↗
Documents: ID, personal/family certificate, social-insurance contribution certificate and university tuition invoice. Source ↗
Collateral: No collateral, guarantor or life insurance. Source ↗

Benefits and limitations

✓ Up to ALL 300,000 / 12 months

✓ No collateral or guarantor

The page gives no effective date or university list; confirm your university agreement. APR is not published.

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)	12
Published APR (%)	Not confirmed
Fees	Komision menaxhimi 6% deri në 6 muaj; 9% deri në 12 muaj. Aplikimi dhe mbyllja para afatit pa komision.
Collateral	Pa kolateral, garantor ose sigurim jete.

Official sources and supporting terms

Product page on the bank’s website ↗