Payroll and other customers
14.40% APR- Currency
- ALL
- Example amount
- ALL 1,000,000
- Term
- 60 months
- Example nominal rate
- 13.50%
Fixed interest for 60 months. Administration fee 0 ALL. Example published on the current product page.
Bank’s example ↗Fast Online Loan
Personal loan with online application, without collateral or a co-borrower.
Intesa Sanpaolo 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
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.
Salary at the lending bank
The EUR/60-month example uses 9% for payroll and 11% for other customers. The ALL example uses the same 13.5% for both profiles. No ALL rate discount is verified.
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
Payroll and other customers13.5%Fixed; 60-month example
Fixed interest for 60 months. Administration fee 0 ALL. Example published on the current product page.
Official terms ↗EUR · Euro
Salary paid into this bankPayroll9%Fixed; 60-month example
Fixed interest for 60 months. Administration fee 50 EUR. Example published on the current product page.
Official terms ↗Other customersOther customers11%Fixed; 60-month example
Fixed interest for 60 months. Administration fee 50 EUR. Example published on the current product page.
Official terms ↗Employment, income & eligibility
Albanian citizen resident in Albania, with regular, fully declared income paid through the banking system.
- Residence and income
- Albanian citizen resident in Albania, with regular, fully declared income paid through the banking system. 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 →
Payroll
9.70% APR- Currency
- EUR
- Example amount
- EUR 8,000
- Term
- 60 months
- Example nominal rate
- 9.00%
Fixed interest for 60 months. Administration fee 50 EUR. Example published on the current product page.
Bank’s example ↗Other customers
11.90% APR- Currency
- EUR
- Example amount
- EUR 8,000
- Term
- 60 months
- Example nominal rate
- 11.00%
Fixed interest for 60 months. Administration fee 50 EUR. Example published on the current product page.
Bank’s example ↗Repayment, costs & documents
- Amount and term
- Up to ALL 1,000,000 / EUR 8,000; the bank calculator allows 6–60 months. Confirm the minimum amount. Source ↗
- Fee and APR
- 60-month examples: ALL 13.5% nominal, 14.4% APR, zero fee; EUR 9%/11% by payroll, 9.7%/11.9% APR, EUR 50 fee. These figures do not replace an individual quote. Source ↗
- Security and application
- No collateral or co-borrower. Regular, fully declared income paid through a bank is required; online application. Source ↗
Benefits and limitations
✓ Online application
✓ Up to ALL 1 million / EUR 8,000
Rate and fee vary by currency and profile. Approval depends on the bank’s assessment.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | The EUR/60-month example uses 9% for payroll and 11% for other customers. The ALL example uses the same 13.5% for both profiles. No ALL rate discount is verified. |
| Minimum term (months) | 6 |
| Maximum term (months) | 60 |
| Published APR (%) | ALL: 14.40% EUR: 9.70 – 11.90% · see examples and conditions |
| Fees | Shembujt / Examples: 0 ALL; 50 EUR |
| Collateral | Pa kolateral / No collateral |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLQuick loan | — – 1,000,000 | 6–60 | See nominal interest aboveMinimum amount is unconfirmed; limit and term depend on approval. |
| EURQuick loan | — – 8,000 | 6–60 | See nominal interest aboveMinimum amount is unconfirmed; limit and term depend on approval. |