Personal loan with digital application and signing, without a branch visit.
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.
The ALL/60-month examples use 10% for customers receiving salary at ProCredit and 11% for others. APR and fees vary by example; the bank confirms the terms.
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 bank’s standard example includes a 1% fee. A separate 0%-fee promotion ends 20 November 2026; this APR has not been recalculated for that promotion.
Official terms ↗The bank’s standard example includes a 1% fee. A separate 0%-fee promotion ends 20 November 2026; this APR has not been recalculated for that promotion.
Official terms ↗Salary customers at ProCredit or another bank; personal certificate and contribution/salary evidence from e-Albania required.
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’s standard example includes a 1% fee. A separate 0%-fee promotion ends 20 November 2026; this APR has not been recalculated for that promotion.
Bank’s example ↗The bank’s standard example includes a 1% fee. A separate 0%-fee promotion ends 20 November 2026; this APR has not been recalculated for that promotion.
Bank’s example ↗✓ ALL 50,000–1,000,000
✓ 6–60 months
The page gives 12.44% APR for other customers, while the PDF gives 12.42% in its 11% nominal, 1% fee illustration. Request APR for the selected amount, package and offer.
| Currencies | ALL |
|---|---|
| Salary at the lending bank | The ALL/60-month examples use 10% for customers receiving salary at ProCredit and 11% for others. APR and fees vary by example; the bank confirms the terms. |
| Minimum amount | ALL 50,000 |
| Maximum amount | ALL 1,000,000 |
| Minimum term (months) | 6 |
| Maximum term (months) | 60 |
| Published APR (%) | 11.32 – 12.44% · see examples and conditions |
| Fees | Standard 1%; ofertë 0% deri 20 nëntor 2026 / offer 0% through 20 November 2026 |
| Collateral | Pa kolateral ose debitor solidar / No collateral or joint debtor |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLDIRECT | 50,000 – 1,000,000 | 6–60 | See nominal interest aboveNo collateral or joint debtor; fixed rate depending on payroll. |
Product page on the bank’s website ↗
Informacioni i standardizuar parakontraktor i kredisë konsumatore digjitale ↗Reviewed pages: 1, 3, 5, 6
