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Home / Personal investment loan

Personal investment loan

Home renovation and personal investments, with secured and unsecured options.

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 (12)

ALL · Unsecured · FLEX · Fixed for the first 12 months

Year 1
9%Fixed rate
From year 2
BTH 12M + 7%, min 9%

ALL · Unsecured · FLEX · Fixed for the first 12 months

Year 1
Initial rate needs confirmationFixed rate
From year 2
BTH 12M + 8%, min 10%

ALL · Secured · FLEX · Fixed for the first 12 months

Year 1
9%Fixed rate
From year 2
BTH 12M + 6%, min 9%

ALL · Secured · FLEX · Fixed for the first 12 months

Year 1
Initial rate needs confirmationFixed rate
From year 2
BTH 12M + 7%, min 10%

ALL · Unsecured · FIX · Fixed for up to five years

Year 1
11%Fixed rate
From year 2
11%Same fixed rate until repayment

ALL · Unsecured · FIX · Fixed for up to five years

Year 1
Request a bank quoteFixed rate
From year 2
Request a bank quoteSame fixed rate until repayment

EUR · Unsecured · FLEX · Fixed for the first 12 months

Year 1
8%Fixed rate
From year 2
Euribor 12M + 6%, min 8%

EUR · Unsecured · FLEX · Fixed for the first 12 months

Year 1
Initial rate needs confirmationFixed rate
From year 2
Euribor 12M + 7%, min 9%

EUR · Secured · FLEX · Fixed for the first 12 months

Year 1
8%Fixed rate
From year 2
Euribor 12M + 5%, min 8%

EUR · Secured · FLEX · Fixed for the first 12 months

Year 1
Initial rate needs confirmationFixed rate
From year 2
Euribor 12M + 6%, min 9%

EUR · Unsecured · FIX · Fixed for up to five years

Year 1
10%Fixed rate
From year 2
10%Same fixed rate until repayment

EUR · Unsecured · FIX · Fixed for up to five years

Year 1
Request a bank quoteFixed rate
From year 2
Request a bank quoteSame fixed rate until repayment

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

Choose your loan details →
Request loan information

Your product context

ALLEUR
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

The tariff adds 1 percentage point to the margin and floor when salary is paid elsewhere. Fixed/initial pricing for that profile needs confirmation; estimates use only ProCredit salary-customer rates.

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 bankUnsecured · FLEXFixed for the first 12 months
Year 1
9%Fixed rate
From year 2
BTH 12M + 7%, min 9%

Salary paid into ProCredit; 1.5% disbursement fee.

Official terms · page 3 ↗
Other customersUnsecured · FLEXFixed for the first 12 months
Year 1
Initial rate needs confirmationFixed rate
From year 2
BTH 12M + 8%, min 10%

Salary at another bank: the margin and floor increase by 1 percentage point. Confirm the first-year rate.

Official terms · page 3 ↗
Salary paid into this bankSecured · FLEXFixed for the first 12 months
Year 1
9%Fixed rate
From year 2
BTH 12M + 6%, min 9%

Salary paid into ProCredit; 1.5% disbursement fee.

Official terms · page 3 ↗
Other customersSecured · FLEXFixed for the first 12 months
Year 1
Initial rate needs confirmationFixed rate
From year 2
BTH 12M + 7%, min 10%

Salary at another bank: the margin and floor increase by 1 percentage point. Confirm the first-year rate.

Official terms · page 3 ↗
Salary paid into this bankUnsecured · FIXFixed for up to five years
Year 1
11%Fixed rate
From year 2
11%Same fixed rate until repayment

Salary paid into ProCredit; confirm pricing if salary is paid elsewhere.

Official terms · page 3 ↗
Other customersUnsecured · FIXFixed for up to five years
Year 1
Request a bank quoteFixed rate
From year 2
Request a bank quoteSame fixed rate until repayment

The tariff specifies a margin and floor uplift; fixed pricing for salary at another bank is unclear.

Official terms · page 3 ↗

EUR · Euro

Salary paid into this bankUnsecured · FLEXFixed for the first 12 months
Year 1
8%Fixed rate
From year 2
Euribor 12M + 6%, min 8%

Salary paid into ProCredit; 1.5% disbursement fee.

Official terms · page 3 ↗
Other customersUnsecured · FLEXFixed for the first 12 months
Year 1
Initial rate needs confirmationFixed rate
From year 2
Euribor 12M + 7%, min 9%

Salary at another bank: the margin and floor increase by 1 percentage point. Confirm the first-year rate.

Official terms · page 3 ↗
Salary paid into this bankSecured · FLEXFixed for the first 12 months
Year 1
8%Fixed rate
From year 2
Euribor 12M + 5%, min 8%

Salary paid into ProCredit; 1.5% disbursement fee.

Official terms · page 3 ↗
Other customersSecured · FLEXFixed for the first 12 months
Year 1
Initial rate needs confirmationFixed rate
From year 2
Euribor 12M + 6%, min 9%

Salary at another bank: the margin and floor increase by 1 percentage point. Confirm the first-year rate.

Official terms · page 3 ↗
Salary paid into this bankUnsecured · FIXFixed for up to five years
Year 1
10%Fixed rate
From year 2
10%Same fixed rate until repayment

Salary paid into ProCredit; confirm pricing if salary is paid elsewhere.

Official terms · page 3 ↗
Other customersUnsecured · FIXFixed for up to five years
Year 1
Request a bank quoteFixed rate
From year 2
Request a bank quoteSame fixed rate until repayment

The tariff specifies a margin and floor uplift; fixed pricing for salary at another bank is unclear.

Official terms · page 3 ↗

Employment, income & eligibility

At least six months of employment and salary credited to a bank account; subject to ProCredit assessment.

Documents
ID or passport, 12 months of statements, salary certificate and family/personal certificates; property documents for secured lending. 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 →

Example · unsecured, FIX

13.43% APR
Currency
ALL
Example amount
ALL 5,000,000
Term
60 months
Example nominal rate
11.00%
Example monthly payment
ALL 108,712

The bank’s fixed-rate illustration includes a 1.5% fee and insurance assumptions. Request an APR for your personal offer; separate FLEX-period illustrations are not treated as whole-loan APRs.

Bank’s example ↗

Example · unsecured, FIX

11.68% APR
Currency
EUR
Example amount
EUR 50,000
Term
60 months
Example nominal rate
10.00%
Example monthly payment
EUR 1,062

The bank’s fixed-rate illustration includes a 1.5% fee and insurance assumptions. Request an APR for your personal offer; separate FLEX-period illustrations are not treated as whole-loan APRs.

Bank’s example ↗

Repayment, costs & documents

Fee
1.5% disbursement under the tariff effective 23 July 2026. Source ↗
Other costs
Life insurance; secured lending also requires property valuation/insurance, notary and registration. Account/package fees depend on profile. Source ↗
Employment requirement
At least six months of employment and salary credited to a bank account. Source ↗

Benefits and limitations

✓ Secured and unsecured options

✓ ALL or EUR financing

One EUR FLEX illustration says 9%, while the rate table and tariff confirm 8%. That illustration’s APR is excluded.

Key published conditions
CurrenciesALL, EUR
Salary at the lending bankThe tariff adds 1 percentage point to the margin and floor when salary is paid elsewhere. Fixed/initial pricing for that profile needs confirmation; estimates use only ProCredit salary-customer rates.
Maximum term (months)120
Published APR (%)ALL: 13.43% EUR: 11.68% · see examples and conditions
Fees1.5%
CollateralSipas variantit: pa kolateral ose me pronë si garanci / Unsecured or property-secured, depending on variant

Amounts, terms and pricing by currency

Currency / customerAmountMonthsAnnual rate
ALLUnsecured · FLEX100,000 – 5,000,000—–609%Subject to profile and bank assessment.
ALLSecured · FLEX100,000 – 10,000,000—–1209%Subject to profile and bank assessment.
EURUnsecured · FLEX1,000 – 50,000—–608%Subject to profile and bank assessment.
EURSecured · FLEX1,000 – 100,000—–1208%Subject to profile and bank assessment.
Official sources and supporting terms

Product page on the bank’s website ↗

Source section: Kredi për investime personale

ProCredit · Çmimet e kredive për individë · 23 korrik 2026 ↗Reviewed pages: 3