Independent comparisons. Official bank sources.How we compare

Unsecured Personal Loan

Unsecured personal borrowing with fixed or variable options.

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

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

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Your product context

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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

Tirana Bank publishes lower ALL payroll options: fixed, variable and MIX. Compare the same term and option. The EUR table publishes shared 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 bankSalary customers9% Fixed; loan term up to 3 years

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Salary paid into this bankSalary customers10% Fixed; loan term up to 4 years

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Salary paid into this bankSalary customers11% Fixed; loan term up to 5 years

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Salary paid into this bankSalary customersBTH 12M + 9%, min 9.5%Variable-rate option

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Salary paid into this bankMIX · Salary customers9%Fixed for the first 3 years

Then: BTH 12M + 9%, min 9.5%

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Other customersStandard customers10% Fixed; loan term up to 3 years

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Other customersStandard customers11% Fixed; loan term up to 4 years

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Other customersStandard customers12% Fixed; loan term up to 5 years

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Other customersStandard customersBTH 12M + 10%, min 10.5%Variable-rate option

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Other customersMIX · Standard customers10%Fixed for the first 3 years

Then: BTH 12M + 10%, min 10.5%

The bank confirms the final rate based on your profile and the product terms.

Official terms ↗

Refinancing · payroll8.5%Fixed; term up to 3 years

Only refinancing another bank. The EUR table gives the same rate for both profiles.

Official terms · page 2 ↗

Refinancing · payroll9.5%Fixed; term up to 4 years

Only refinancing another bank. The EUR table gives the same rate for both profiles.

Official terms · page 2 ↗

Refinancing · payroll10.5%Fixed; term up to 5 years

Only refinancing another bank. The EUR table gives the same rate for both profiles.

Official terms · page 2 ↗

Refinancing · payroll8.5%MIX · first 36 months

Then: BTH 12M + 9%, min 9.5%

Refinancing only; variable after month 36.

Official terms · page 2 ↗

Refinancing · standard9.5%Fixed; term up to 3 years

Only refinancing another bank. The EUR table gives the same rate for both profiles.

Official terms · page 2 ↗

Refinancing · standard10.5%Fixed; term up to 4 years

Only refinancing another bank. The EUR table gives the same rate for both profiles.

Official terms · page 2 ↗

Refinancing · standard11.5%Fixed; term up to 5 years

Only refinancing another bank. The EUR table gives the same rate for both profiles.

Official terms · page 2 ↗

Refinancing · standard9.5%MIX · first 36 months

Then: BTH 12M + 10%, min 10.5%

Refinancing only; variable after month 36.

Official terms · page 2 ↗

EUR · Euro

Both profiles10%Fixed; term up to 3 years

Subject to bank assessment and contract.

Official terms · page 2 ↗

Both profiles11%Fixed; term up to 4 years

Subject to bank assessment and contract.

Official terms · page 2 ↗

Both profiles12%Fixed; term up to 5 years

Subject to bank assessment and contract.

Official terms · page 2 ↗

Both profilesEuribor 12M + 10%, min 10.5%Variable rate

Subject to bank assessment and contract.

Official terms · page 2 ↗

MIX · both profiles10%Fixed for the first 36 months

Then: Euribor 12M + 10%, min 10.5%

Subject to bank assessment and contract.

Official terms · page 2 ↗

Refinancing · both profiles9.5%Fixed; term up to 3 years

Only refinancing another bank. The EUR table gives the same rate for both profiles.

Official terms · page 2 ↗

Refinancing · both profiles10.5%Fixed; term up to 4 years

Only refinancing another bank. The EUR table gives the same rate for both profiles.

Official terms · page 2 ↗

Refinancing · both profiles11.5%Fixed; term up to 5 years

Only refinancing another bank. The EUR table gives the same rate for both profiles.

Official terms · page 2 ↗

Employment, income & eligibility

Employed applicants with income evidence or business owners with registration and financial documents.

Employment or business: Employees provide employer-issued income evidence. Business owners provide registration and official monthly or annual payment records; ID and a family certificate are also required. 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 →

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

Amount and term: ALL 100,000–3,000,000 / up to EUR 25,000; 12–120 months. Confirm the EUR minimum: 800 on the page, 1,000 in the PDF. Source ↗
Fee and insurance: Administration 2.25% payroll / 2.5% standard; 1% for loans above ALL 2 million. PPI 1.2% of disbursement; insurance entry-age limit 65. A co-borrower may be required after assessment. Source ↗
Early repayment: The document states no fee for full or partial early repayment. Source ↗

Benefits and limitations

✓ Up to ALL 3 million / EUR 25,000

✓ Up to 10 years

The old APR illustration does not match the current rate matrix; request personal APR. The EUR refinancing MIX option names T-bills instead of Euribor and remains unconfirmed.

Key published conditions
Currencies	ALL, EUR
Salary at the lending bank	Tirana Bank publishes lower ALL payroll options: fixed, variable and MIX. Compare the same term and option. The EUR table publishes shared rates.
Minimum term (months)	12
Maximum term (months)	120
Published APR (%)	ALL: Not confirmed EUR: Not confirmed
Fees	2.25% pagamarrës / payroll; 2.5% standard; 1% mbi 2 milionë ALL / above ALL 2 million
Collateral	Pa kolateral / Unsecured

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLUnsecured loan	100,000 – 3,000,000	12–120	See nominal interest aboveEUR minimum differs: 800 on the page, 1,000 in the PDF. Fixed options are limited to 3/4/5 years; longer terms use variable or MIX pricing.
EURUnsecured loan	— – 25,000	12–120	See nominal interest aboveEUR minimum differs: 800 on the page, 1,000 in the PDF. Fixed options are limited to 3/4/5 years; longer terms use variable or MIX pricing.

Official sources and supporting terms

Product page on the bank’s website ↗

Info_parakontraktor_Konsumatore_Pasiguruar ↗Reviewed pages: 1, 2, 3, 4