Personal borrowing with a fixed rate for the first three years, then a variable rate.
ALL · Payroll · Fixed for the first 36 months
ALL · Standard · Fixed for the first 36 months
EUR · Payroll · Fixed for the first 36 months
EUR · Standard · Fixed for the first 36 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.
ProCredit payroll reduces the initial rate, subsequent margin and floor by one percentage point.
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 ↗The subsequent rate resets every 12 months. Final pricing and guarantees are confirmed in the offer. ALL estimates are restricted to the 2–3 million band explicitly described on the bank page; the product minimum needs confirmation.
Official terms · page 2 ↗The subsequent rate resets every 12 months. Final pricing and guarantees are confirmed in the offer. ALL estimates are restricted to the 2–3 million band explicitly described on the bank page; the product minimum needs confirmation.
Official terms · page 2 ↗The subsequent rate resets every 12 months. Final pricing and guarantees are confirmed in the offer.
Official terms · page 2 ↗The subsequent rate resets every 12 months. Final pricing and guarantees are confirmed in the offer.
Official terms · page 2 ↗Resident in Albania with salary paid through a bank for at least the last six months.
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 bank illustrates a seven-year loan, but this APR refers to the initial period. It is not a confirmed whole-term APR.
Bank’s example ↗The bank illustrates a seven-year loan, but this APR refers to the initial period. It is not a confirmed whole-term APR.
Bank’s example ↗✓ Up to 7 years
✓ In ALL or EUR
The ALL minimum is misprinted in the tariff and requires bank confirmation. Guarantee and insurance requirements depend on amount and term.
The page’s APR figures illustrate separate periods. The EUR example has inconsistent Euribor and follow-on interest figures.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | ProCredit payroll reduces the initial rate, subsequent margin and floor by one percentage point. |
| Maximum term (months) | 84 |
| Published APR (%) | ALL: 8.95% EUR: 10.05% · see examples and conditions |
| Fees | 1.5%; rifinancim / refinancing 0% |
| Collateral | Pa hipotekë; sipas shumës kërkohet garantor ose sigurim jete / No mortgage; guarantor or life insurance depending on amount |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLStandard | — – 3,000,000 | —–84 | See nominal interest aboveSubject to bank approval. |
| EURStandard | 10,001 – 30,000 | —–84 | See nominal interest aboveSubject to bank approval. |
Product page on the bank’s website ↗
ProCredit · Çmimet e kredive për individë · 23 korrik 2026 ↗Reviewed pages: 2, 5
ProCredit · Informacioni parakontraktor i kredisë konsumatore · korrik 2026 ↗Reviewed pages: 1, 2, 3, 4
