Extra funds up to three salaries; interest only on the amount you use.
ALL · Full package · Fixed for 12 months
ALL · Basic package · Fixed for 12 months
EUR · Full package · Fixed for 12 months
EUR · Basic package · Fixed for 12 months
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.
Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Interest accrues daily on the drawn balance, using a 365-day year. There are no equal monthly instalments.
Official terms · page 2 ↗Interest accrues daily on the drawn balance, using a 365-day year. There are no equal monthly instalments.
Official terms · page 2 ↗Interest accrues daily on the drawn balance, using a 365-day year. There are no equal monthly instalments.
Official terms · page 2 ↗Interest accrues daily on the drawn balance, using a 365-day year. There are no equal monthly instalments.
Official terms · page 2 ↗Salary must be paid into ProCredit. The limit includes the credit-card limit.
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 →
The page quotes 16.68% for the ALL basic package; the PDF quotes 16.74%. Web-example terms are unspecified. The EUR PDF example assumes full use for 365 days.
The page quotes 16.68% for the ALL basic package; the PDF quotes 16.74%. Web-example terms are unspecified. The EUR PDF example assumes full use for 365 days.
Bank’s example ↗The page quotes 16.68% for the ALL basic package; the PDF quotes 16.74%. Web-example terms are unspecified. The EUR PDF example assumes full use for 365 days.
Bank’s example ↗The page quotes 16.68% for the ALL basic package; the PDF quotes 16.74%. Web-example terms are unspecified. The EUR PDF example assumes full use for 365 days.
Bank’s example · page 3 ↗✓ No disbursement fee
✓ Interest on the drawn balance
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer. |
| Maximum term (months) | 12 |
| Published APR (%) | ALL: 11.82 – 16.68% EUR: 10.70% · see examples and conditions |
| Fees | 0% disbursim; paketë dhe kartë sipas tarifarit |
| Collateral | Pa kolateral / Unsecured |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLUp to three monthly salaries | 60,000 – 1,000,000 | —–12 | See nominal interest aboveSubject to profile and bank assessment. |
| ALLUp to three monthly salaries | 60,000 – 1,000,000 | —–12 | See nominal interest aboveSubject to profile and bank assessment. |
| EURUp to three monthly salaries | — – 10,000 | —–12 | See nominal interest aboveSubject to profile and bank assessment. |
| EURUp to three monthly salaries | — – 10,000 | —–12 | See nominal interest aboveSubject to profile and bank assessment. |
Product page on the bank’s website ↗
Source section: Flex Fund — paradhënie mbi pagën
ProCredit — Flex Fund, informacion parakontraktor ↗Reviewed pages: 1, 2, 3, 4, 5
ProCredit — Informacion mbi tarifat, 1 shtator 2026 ↗Reviewed pages: 1
