Used car loan
For a used car: up to ALL 2,800,000 or EUR 20,000, over no more than 3 years.
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-transfer discount unconfirmed. Request quotes with and without salary transfer.
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
BTH is the Treasury-bill rate; Euribor is the euro benchmark. Payments may change with the index. Any published floor is a lower limit, not a fixed rate.
Official terms · page 16 ↗EUR · Euro
BTH is the Treasury-bill rate; Euribor is the euro benchmark. Payments may change with the index. Any published floor is a lower limit, not a fixed rate.
Official terms · page 16 ↗Employment, income & eligibility
Albanian citizens resident in Albania, with regular, fully declared income received through the banking system.
- Income and residence
- Albanian citizens resident in Albania, with regular, fully declared income received through the banking system. Source ↗
- Security and insurance
- The car is pledged. Full Casco is required; life insurance applies when required by the bank. Source ↗
- Application documents
- Request the current income and vehicle-purchase checklist and the vehicle-age limit. The old product PDF is insufficient to confirm these. 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
- EUR
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Fee and expenses
- Administration fee 1.5%. Additional costs include notary, pledge registration, account maintenance, Full Casco and life insurance where applicable. Source ↗
- Term and your contribution
- Up to 36 months; contribute at least 35%. Repayment is monthly. Source ↗
- Why APR remains unconfirmed
- The page gives APR examples of 8.81% in ALL and 9.30% in EUR using nominal rates below the published floors. We retain the September 2026 formulas and floors; request an updated example. Source ↗
Benefits and limitations
✓ Finance up to 65% of the price
✓ Borrow in ALL or EUR
Contribute at least 35% plus additional costs.
The page’s APR examples conflict with the published rate floors.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Salary-transfer discount unconfirmed. Request quotes with and without salary transfer. |
| Maximum term (months) | 36 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 1.5% administration fee; insurance and other costs apply. |
| Collateral | Purchased vehicle pledged to the bank. |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLUsed car loan | — – 2,800,000 | —–36 | See nominal interest aboveFinance up to 65% of the car’s value; you pay the remainder and additional costs. |
| EURUsed car loan | — – 20,000 | —–36 | See nominal interest aboveFinance up to 65% of the car’s value; you pay the remainder and additional costs. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për makinë të përdorur
Intesa · Kushtet për individë · shtator 2026 ↗Reviewed pages: 16