Redline instalment financing

Redline electronics financing, with fixed rates by amount and salary relationship.

ProCredit 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

Interest and monthly payments over time

View rates by option (4)

ALL · ProCredit payroll · ALL 50000–600000 · Fixed throughout the term

Year 1: 11%Fixed rate

From year 2: 11%Same fixed rate until repayment

ALL · Standard · ALL 50000–600000 · Fixed throughout the term

Year 1: 12%Fixed rate

From year 2: 12%Same fixed rate until repayment

ALL · ProCredit payroll · ALL 600001–1000000 · Fixed throughout the term

Year 1: 10%Fixed rate

From year 2: 10%Same fixed rate until repayment

ALL · Standard · ALL 600001–1000000 · Fixed throughout the term

Year 1: 11%Fixed rate

From year 2: 11%Same fixed rate until repayment

Choose your amount, term, currency and customer category to see the summary.

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Your product context

ALL

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 at the lending bank

1 percentage point lower for ProCredit payroll customers in the same amount band.

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

Salary paid into this bankProCredit payroll · ALL 50000–600000Fixed throughout the term

Year 1: 11%Fixed rate

From year 2: 11%Same fixed rate until repayment

For Redline purchases only. This page does not establish minimum or maximum terms.

Official terms ↗

Other customersStandard · ALL 50000–600000Fixed throughout the term

Year 1: 12%Fixed rate

From year 2: 12%Same fixed rate until repayment

For Redline purchases only. This page does not establish minimum or maximum terms.

Official terms ↗

Salary paid into this bankProCredit payroll · ALL 600001–1000000Fixed throughout the term

Year 1: 10%Fixed rate

From year 2: 10%Same fixed rate until repayment

For Redline purchases only. This page does not establish minimum or maximum terms.

Official terms ↗

Other customersStandard · ALL 600001–1000000Fixed throughout the term

Year 1: 11%Fixed rate

From year 2: 11%Same fixed rate until repayment

For Redline purchases only. This page does not establish minimum or maximum terms.

Official terms ↗

Employment, income & eligibility

Albanian resident, over 21, declared income of at least ALL 50,000, satisfactory credit history and salary paid through a bank for at least the last six months.

e-Albania documents: Payroll customers with fewer than six salaries at ProCredit need a contribution certificate. Customers paid through another bank need monthly salary and contribution certificates. 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

Example APR requires clarification of costs and assumptions and is excluded from rankings.

Repayment, costs & documents

Disbursement fee: 0% through 20 November 2026, then 1%. The promotion end date applies to the fee. Source ↗
Amount and purpose: ALL 50,000 to 1,000,000, only for electronics purchases at Redline. Source ↗
Collateral and guarantor: No collateral or guarantor required. Source ↗

Benefits and limitations

✓ ALL 50,000 to 1 million

✓ No collateral or guarantor

For Redline purchases only. General term limits and personal APR remain unconfirmed.

Key published conditions
Currencies	ALL
Salary at the lending bank	1 percentage point lower for ProCredit payroll customers in the same amount band.
Minimum amount	ALL 50,000
Maximum amount	ALL 1,000,000
Published APR (%)	Not confirmed
Fees	0% disbursim deri më 20.11.2026, më pas 1%. / 0% disbursement through 20 November 2026, then 1%.
Collateral	Pa kolateral ose garantor / No collateral or guarantor

Amounts, terms and pricing by currency

Currency / customer	Amount	Annual rate
ALLPayroll amount band	50,000 – 600,000	11%Term and full cost are confirmed by the bank.
ALLStandard amount band	50,000 – 600,000	12%Term and full cost are confirmed by the bank.
ALLPayroll amount band	600,001 – 1,000,000	10%Term and full cost are confirmed by the bank.
ALLStandard amount band	600,001 – 1,000,000	11%Term and full cost are confirmed by the bank.

Official sources and supporting terms

Product page on the bank’s website ↗