Personal borrowing without collateral, supported by declared bank-paid income.
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.
Rate and fee vary by salary at Intesa, currency and term. For terms over 3 years compare the rate after month 36 too. The fee is 1.5% for payroll and 2% for others.
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 ↗The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗Then: 10.1% after 36 months
The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗Then: 10.8% after 36 months
The initial rate lasts 36 months when a follow-on rate is published; otherwise it is fixed throughout.
Official terms · page 2 ↗Albanian citizen resident in Albania, with regular, fully declared income paid through the banking system.
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 →
9.5% fixed throughout. Fee 1.5%, minimum ALL 6,500 or EUR 50 by currency. APR belongs to the 7-year example, not the advertised rate for a 1-year loan.
Bank’s example ↗10% for 36 months, then 10.8%. Fee 2%, minimum ALL 6,500 or EUR 50 by currency. APR belongs to the 7-year example, not the advertised rate for a 1-year loan.
Bank’s example ↗✓ Up to 7 years
✓ Up to ALL 3 million / EUR 28,000 subject to salary requirement
Rate depends on currency, term and payroll. Some terms over 3 years change rate after month 36; 4.2% applies only to ALL payroll loans up to 12 months.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Rate and fee vary by salary at Intesa, currency and term. For terms over 3 years compare the rate after month 36 too. The fee is 1.5% for payroll and 2% for others. |
| Minimum term (months) | 6 |
| Maximum term (months) | 84 |
| Published APR (%) | ALL: 9.92 – 10.73% EUR: 9.16 – 10.25% · see examples and conditions |
| Fees | Pagamarrës / payroll 1.5%; standard 2%; min 6,500 ALL / 50 EUR |
| Collateral | Pa kolateral / No collateral |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLStandard limit | 50,000 – 2,200,000 | 6–84 | See nominal interest aboveFully declared income; amount depends on repayment capacity. |
| ALLMonthly salary ≥EUR 1,000 or equivalent | 50,000 – 3,000,000 | 6–84 | See nominal interest aboveHigher limit requires fully declared salary of at least EUR 1,000/month or ALL equivalent. |
| EURStandard limit | 500 – 18,000 | 6–84 | See nominal interest aboveFully declared income; amount depends on repayment capacity. |
| EURMonthly salary ≥EUR 1,000 or equivalent | 500 – 28,000 | 6–84 | See nominal interest aboveHigher limit requires fully declared salary of at least EUR 1,000/month or ALL equivalent. |
Product page on the bank’s website ↗
Kredi Personale Klientë Pagamarrës - Shembull ↗Reviewed pages: 1, 2, 3
Kredi personale klientë standard - Shembull ↗Reviewed pages: 2, 3
