Personal Loan

Personal loan in ALL and EUR with fixed rates by amount and term.

Jet Bank

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

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Your product context

ALL EUR

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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

Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.

ALL · Lekë

ALL · 25,000–200,00013–14.1%Fixed; 6–60 months

Normë fikse vjetore / Fixed annual rate 13–14.1%; 6–60 muaj / months; komision disbursimi / disbursement fee 2%.

Official terms · page 1 ↗

ALL · 200,001–600,00012–13.05%Fixed; 6–60 months

Normë fikse vjetore / Fixed annual rate 12–13.05%; 6–60 muaj / months; komision disbursimi / disbursement fee 2%.

Official terms · page 1 ↗

ALL · 600,001–1,000,00010.75–11.55%Fixed; 6–60 months

Normë fikse vjetore / Fixed annual rate 10.75–11.55%; 6–60 muaj / months; komision disbursimi / disbursement fee 1%.

Official terms · page 1 ↗

ALL · 1,000,001–2,000,00010–10.4%Fixed; 12–120 months

Normë fikse vjetore / Fixed annual rate 10–10.4%; 12–120 muaj / months; komision disbursimi / disbursement fee 1%.

Official terms · page 1 ↗

ALL · 2,000,001–4,000,0009–9.45%Fixed; 12–120 months

Normë fikse vjetore / Fixed annual rate 9–9.45%; 12–120 muaj / months; komision disbursimi / disbursement fee 1%.

Official terms · page 1 ↗

Employment, income & eligibility

Income and repayment assessment; requires a Jet current account in the loan currency.

Repayment capacity and account: The bank assesses income, existing debts, credit history and repayment capacity. A Jet account in the loan currency is required. Financing is for personal needs, excluding business or professional activity. 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 →

Pre-contract example

13.95% APR

Currency: ALL
Example amount: ALL 500,000
Term: 60 months
Example nominal rate: 13.05%
Example monthly payment: ALL 11,389

Bank illustration: ALL 500,000 / 60 months, fixed interest 13.05%, fee 2% = ALL 10,000. Published total ALL 693,360.30; the instalment is rounded. It does not establish EUR APR.

Bank’s example · page 3 ↗

Repayment, costs & documents

Amount and rate: ALL 25,000–4,000,000 / EUR 250–40,000. Term 6–60 months for lower bands; 12–120 months for higher bands. Fixed interest and 1–2% fee depend on the band. Source ↗
Early repayment: 1% of prepaid principal before the final year, 0.5% during the final year. Partial prepayment must equal at least one instalment; accrued interest is payable. Source ↗
Withdrawal from contract: The document allows withdrawal within 14 calendar days with notice; principal, accrued interest and relevant documented costs must be repaid. Source ↗

Benefits and limitations

✓ 9%–14.1% depending on tier

✓ Up to 10 years for larger amounts

Term and rate depend on loan amount. See the tier table for the applicable combination.

Key published conditions
Currencies	ALL, EUR
Salary at the lending bank	Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Minimum term (months)	6
Maximum term (months)	120
Published APR (%)	ALL: 13.95% EUR: Not confirmed · see examples and conditions
Fees	1–2% disbursement fee; depends on the amount tier. / 1–2% sipas shumës.
Collateral	No physical collateral. / Pa kolateral fizik.

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLALL · 25,000–200,000	25,000 – 200,000	6–60	13–14.1%Normë fikse vjetore / Fixed annual rate 13–14.1%; 6–60 muaj / months; komision disbursimi / disbursement fee 2%.
ALLALL · 200,001–600,000	200,001 – 600,000	6–60	12–13.05%Normë fikse vjetore / Fixed annual rate 12–13.05%; 6–60 muaj / months; komision disbursimi / disbursement fee 2%.
ALLALL · 600,001–1,000,000	600,001 – 1,000,000	6–60	10.75–11.55%Normë fikse vjetore / Fixed annual rate 10.75–11.55%; 6–60 muaj / months; komision disbursimi / disbursement fee 1%.
ALLALL · 1,000,001–2,000,000	1,000,001 – 2,000,000	12–120	10–10.4%Normë fikse vjetore / Fixed annual rate 10–10.4%; 12–120 muaj / months; komision disbursimi / disbursement fee 1%.
ALLALL · 2,000,001–4,000,000	2,000,001 – 4,000,000	12–120	9–9.45%Normë fikse vjetore / Fixed annual rate 9–9.45%; 12–120 muaj / months; komision disbursimi / disbursement fee 1%.
EUREUR · 250–2,000	250 – 2,000	6–60	13–14.1%Normë fikse vjetore / Fixed annual rate 13–14.1%; 6–60 muaj / months; komision disbursimi / disbursement fee 2%.
EUREUR · 2,001–6,000	2,001 – 6,000	6–60	12–13.05%Normë fikse vjetore / Fixed annual rate 12–13.05%; 6–60 muaj / months; komision disbursimi / disbursement fee 2%.
EUREUR · 6,001–10,000	6,001 – 10,000	6–60	10.75–11.55%Normë fikse vjetore / Fixed annual rate 10.75–11.55%; 6–60 muaj / months; komision disbursimi / disbursement fee 1%.
EUREUR · 10,001–20,000	10,001 – 20,000	12–120	10–10.4%Normë fikse vjetore / Fixed annual rate 10–10.4%; 12–120 muaj / months; komision disbursimi / disbursement fee 1%.
EUREUR · 20,001–40,000	20,001 – 40,000	12–120	9–9.45%Normë fikse vjetore / Fixed annual rate 9–9.45%; 12–120 muaj / months; komision disbursimi / disbursement fee 1%.

Official sources and supporting terms

Product page on the bank’s website ↗

Loan Price List 2 ↗Reviewed pages: 1, 2

Shembull i Informacionit Parakontraktor ↗Reviewed pages: 1, 2, 3, 4