Car loan · Premium
For Premium customers buying a new or used car. The bank’s PDF ties this offer to Auto Star Albania.
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
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →Your product context
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-transfer discount unconfirmed. Request quotes with and without salary transfer.
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
BTH is the Treasury-bill rate; Euribor is the euro benchmark. Payments may change with the index. Any published floor is a lower limit, not a fixed rate.
Official terms · page 2 ↗EUR · Euro
BTH is the Treasury-bill rate; Euribor is the euro benchmark. Payments may change with the index. Any published floor is a lower limit, not a fixed rate.
Official terms · page 2 ↗Employment, income & eligibility
Premium customers. The precontract specifies purchases from Auto Star Albania; this page does not publish the Premium-entry criteria.
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 →
- ALL
- Not confirmed
- EUR
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Your contribution
- At least 30% for a new car or 40% for a used car, plus borrowing costs. Funds are transferred to the dealer. Source ↗
- Security and insurance
- Vehicle pledge, life insurance and Full Casco covering use inside and outside Albania are required. Source ↗
- Fee and expenses
- Fee 1%. The PDF lists ALL 1,400 for pledge registration, plus ALL 400 per additional owner where applicable, and ALL 5,000–18,000 notary costs. Account and insurance costs are extra; request current quotes. Source ↗
- Why APR remains unconfirmed
- The PDF gives 5.68% APR for EUR 150,000 over 60 months at 5% interest, but its payment schedule starts in 2020. This is not used as a current comparison APR. Source ↗
Benefits and limitations
✓ Up to ALL 30,000,000 or EUR 300,000
✓ Up to 5 years
Premium segment only; confirm the eligible car and dealer with the bank.
Life insurance and Full Casco required. Current APR remains unconfirmed.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Salary-transfer discount unconfirmed. Request quotes with and without salary transfer. |
| Maximum term (months) | 60 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 1% administration fee; insurance and other costs apply. |
| Collateral | Purchased vehicle pledged to the bank. |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLPremium · new or used car | — – 30,000,000 | —–60 | See nominal interest aboveUp to 70% for a new car or 60% for a used car. Premium customers; the PDF specifies Auto Star Albania. |
| EURPremium · new or used car | — – 300,000 | —–60 | See nominal interest aboveUp to 70% for a new car or 60% for a used car. Premium customers; the PDF specifies Auto Star Albania. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për makinë · Premium
Tirana Bank · Kredi për makinë Premium · informacion parakontraktor ↗Reviewed pages: 1, 2, 3