Personal financing with a fixed rate for the first three years.
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.
OTP publishes the same nominal rate for salary at OTP and at other banks. The benefit is the disbursement fee: 2% at OTP versus 2.5% for other-bank salary; this also affects APR.
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 ↗Then: BTH 12M + 8%, min 9%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Salary or rental income at OTP/another bank, with financial records and identification; the bank assesses eligibility.
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 →
8% fixed for 36 months, then 12M T-bills + 8%, floor 9%. Fee 2%; account ALL 150/month. The example uses the 27 April 2026 benchmark of 2.48%; the payment changes thereafter.
Bank’s example ↗8% fixed for 36 months, then 12M T-bills + 8%, floor 9%. Fee 2.5%; account ALL 150/month. The example uses the 27 April 2026 benchmark of 2.48%; the payment changes thereafter.
Bank’s example ↗✓ No co-borrower required
✓ Reduced documentation
The webpage’s 10.40/10.52% APR examples accompany the 8% initial rate. The PDF also has an 11.51% illustration using 10.8% throughout; it is excluded from the current introductory offer.
| Currencies | ALL |
|---|---|
| Salary at the lending bank | OTP publishes the same nominal rate for salary at OTP and at other banks. The benefit is the disbursement fee: 2% at OTP versus 2.5% for other-bank salary; this also affects APR. |
| Minimum amount | ALL 100,000 |
| Maximum amount | ALL 3,000,000 |
| Minimum term (months) | 12 |
| Maximum term (months) | 120 |
| Published APR (%) | 10.40 – 10.52% · see examples and conditions |
| Fees | 2% OTP / 2.5% të tjerë / others; min 5,000 ALL |
| Collateral | Pa garantor ose kolateral / No guarantor or collateral |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLConsumer loan | 100,000 – 3,000,000 | 12–120 | See nominal interest aboveALL only; approval depends on income and obligations. |
Product page on the bank’s website ↗
Këtu ↗Reviewed pages: 1, 2, 3, 4, 5
