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.
ALL · Lekë
Bank example rate20%Annual nominal rate in the example
Full use on 1 September 2026. Monthly repayment of 5% of remaining principal plus interest; full settlement on 15 September 2027. No fees or penalties. Bank APR is approximate; payments are not equal instalments.
Nominal rate unconfirmed. Request pricing for this currency from the bank.
Employment, income & eligibility
Consult the bank’s terms and documents for eligibility criteria.
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.
Full use on 1 September 2026. Monthly repayment of 5% of remaining principal plus interest; full settlement on 15 September 2027. No fees or penalties. Bank APR is approximate; payments are not equal instalments.
A Jet current account is required; card automatically renews every three years under the terms. No collateral is required. Source ↗
Repayment and lateness
Minimum 5% of transactions plus all fees, interest and other dues. Late interest: 35% annually on unpaid minimum payment, in addition to standard interest; free early repayment. Source ↗
Benefits and limitations
✓ No annual fee
✓ 5% minimum payment plus costs
Minimum payment does not avoid interest. Rate and limit are stated in the bank’s offer.
Key published conditions
Currencies
ALL, EUR
Annual fee
0
Published APR (%)
ALL: 21.76%
EUR: Not confirmed · see examples and conditions
Minimum payment
5% principal + interes dhe kosto / 5% principal plus interest and costs