Personal loan with online application and electronic signing.
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 online channel publishes the same interest formula for salary at Raiffeisen or another bank. Payroll affects limits: up to ALL 3 million/120 months versus ALL 1 million/84 months, subject to assessment.
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 ↗Subject to bank assessment and contract.
Official terms · page 5 ↗Albanian citizen living and working in Albania, at least 18 at application and no older than 65 at maturity; at least 6 months in the current job according to the FAQ.
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 1,000,000 / 120 months; ALL 20,000 fee and ALL 25,000 PPI. T-bills at 2.499% are the illustration’s assumption, not a current benchmark. The page shows 11.57%; request a confirmed personal schedule.
Bank’s example · page 5 ↗✓ Online application
✓ No guarantor
11.98% APR is the documented illustration including the fee and PPI; the page advertises 11.57%. They are not blended into a single price. Online limits are lower without salary at Raiffeisen.
| Currencies | ALL |
|---|---|
| Salary at the lending bank | The online channel publishes the same interest formula for salary at Raiffeisen or another bank. Payroll affects limits: up to ALL 3 million/120 months versus ALL 1 million/84 months, subject to assessment. |
| Minimum term (months) | 6 |
| Maximum term (months) | 120 |
| Published APR (%) | 11.98% · see examples and conditions |
| Fees | Administrim / administration 2%, min 3,000 / max 20,000 ALL; PPI 2.5% standard / 3.5% ekstra / extra |
| Collateral | No guarantor or co-borrower. |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLRaiffeisen salary customers | 100,000 – 3,000,000 | 6–120 | See nominal interest aboveOnline channel. Payroll limits may be reduced to ALL 2 or 2.5 million depending on segment/risk. |
| ALLOther-bank salary | 100,000 – 1,000,000 | 6–84 | See nominal interest aboveOnline channel. Payroll limits may be reduced to ALL 2 or 2.5 million depending on segment/risk. |
Product page on the bank’s website ↗
Shkarkoni ↗Reviewed pages: 2, 3, 4, 5, 6, 8
