Special fixed-rate personal loan for eligible income or professional profiles.
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.
Payroll and repeat customers pay a 1% fee, others 1.5%, minimum ALL 3,000. Interest varies by amount, term and borrower count; salary alone does not establish an interest discount.
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 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Subject to bank assessment and contract.
Official terms · page 1 ↗Nominal rate unconfirmed. Request pricing for this currency from the bank.
Selected professions or monthly income above ALL 90,000; stable income and a clean credit history.
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 →
Example on the product page. Rate and fee depend on amount, term, co-borrower and income/profession criteria.
Bank’s example · page 1 ↗✓ ALL 100,000–4,000,000
✓ Up to 10 years above ALL 2 million
Table rates are ALL only. The page mentions EUR, but EUR limits, interest and APR require confirmation.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Payroll and repeat customers pay a 1% fee, others 1.5%, minimum ALL 3,000. Interest varies by amount, term and borrower count; salary alone does not establish an interest discount. |
| Minimum term (months) | 6 |
| Maximum term (months) | 120 |
| Published APR (%) | ALL: 10.77% EUR: Not confirmed · see examples and conditions |
| Fees | 1% pagamarrës/përsëritës / payroll/repeat; 1.5% të tjerë / others; min 3,000 ALL |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLALL 100,000–2,000,000 | 100,000 – 2,000,000 | 6–84 | See nominal interest aboveRate depends on term and number of borrowers. |
| ALLALL 2,000,001–4,000,000 | 2,000,001 – 4,000,000 | 6–120 | See nominal interest aboveRate depends on term and number of borrowers. |
Product page on the bank’s website ↗
Kredia konsumatore - kushtet e punes, Tetor 2025 ↗Reviewed pages: 1
