Personal Loan

Benefits:

• Financing up to: 30,000 EUR/ equivalent in LEK
• No collateral, no guarantor;
• Interest rate in EUR: 8% fixed interest for the first year, then Euribor 12M+7%, min 7%
• Interest rate in LEK: 8% fixed interest for the first year, then Treasury Bills 12M+8%, min 8%
• Disbursement fee: 1.5%
• Repayment term up to 7 years;
• 0% disbursement commission for refinancing from other banks.
• Commission for partial or total repayment of the loan: 0% on the remaining principal, if the closure is made after the first year and 1% in cases where the closure is made during the first year.

Full Price List

Example for clients who receive their salary in their ProCredit Bank account:

a) Financing 30,000 EUR and term 5 years:
In the first year:
Monthly installment: 608 EUR (interest 8%, effective interest rate: 9.19%).
After the first year:
Monthly installment: 623 EUR (remaining term 48 months, remaining amount 24,917 EUR, annual interest rate 9.23%, EB12M + 7% MIN 7%, effective interest rate: 9.83%).
EB12M taken into account in the above calculations- 2.23% (date. 31.01.2026).

b) Financing 3,000,000 LEK and term 5 years:
In the first year:
Monthly installment: 60,829 LEK (interest 8%, effective interest rate: 9.20%).
After the first year:
Monthly installment: 63,675 LEK (remaining term 48 months, remaining amount 2,491,680 LEK, annual interest rate 10.4%, BTH12M+ 8% MIN 8%, effective interest rate 11.13%).
BTH12M taken into consideration in the above calculations - 2.4% (date. 31.01.2026).

*Calculations are illustrative. The exact loan installment will be calculated at the time of disbursement.
*For clients who do not receive their salary at ProCredit Bank the interest rate is +1% at a fixed rate, at a margin and a minimum in both currencies (LEK and EUR). Other conditions remain unchanged.

What do you need to benefit from this loan?

• Be a resident of Albania;
• Your salary must have been transferred to the bank for at least the last 6 months.

What documents are needed to apply?

• Identity card
• Family certificate
• Document justifying income (Salary certificate, rental contract, etc.)
• Statement of the account where the salary is transferred

*The bank may request additional documentation if necessary.  

Find out more:
Standardized pre-contractual consumer credit information (in Albanian)
General business terms and conditions

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Attention: Every loan has a cost!