Our Rates

FINCA Kosovo continues to champion financial inclusion by offering a wide range of products, including several specifically tailored to women, rural customers and others who traditionally have been underserved.

Name of productLoan amount (€)Annual interest (%)Monthly interest (%)Disbursement Fee%Effective IR (%)Maximum loan term in months
Business Loan and Start Up Business Loans for men up to 3,000 Euros250 – 25,00013.38% - 23.98%1.12% - 2.00%1% – 2%14.74% – 28.06%60
Agriculture Loan and Start Up Agriculture Loans for men up to 3,000 Euros250 – 25,00013.38% – 23.98%1.12% - 2.00%1% – 2%14.74% – 28.06%60
Home Improvement Loan300 – 25,00017.28% – 24.73%1.44% – 2.06%1% – 2%19.26% – 29.01%60
Life Improvement Loan300 – 5,00025.48%2.12%2%30.62%36
Auto Vehicle Registration200 – 5009%0.75%2%13.61%12
Women Loan (Business/Agrobusiness, Home Improvement)250 – 25,00013.38% – 23.98%1.12% – 2.00%0%14.23% - 26.80%60
Women Start-Up Loan250 - 5,00018.53% - 24.18%1.54% - 2.02%0%20.19% - 27.05%60
Women Personal Loan300 – 5,00025.48%2.12%0%28.68%36
Loan for Vehicle Purchase – Business/Agrobusiness Clients3,000 – 25,00015.73% - 22.78%1.31% - 1.90%0%16.92% - 25.32%60
Loan for Vehicle Purchase – Salary Receiver3,000 - 25,00018.89% - 25.48%1.57% - 2.12%0%20.61% - 28.68%60
Loan for Low Income Clients Agrobusiness/Business and Start Up100 - 1,00022.48% - 23.98%1.87% - 2.00%0%24.95% - 26.80%60
Loan for Low Income Clients Home Improvement Loan100 - 1,00024.73%2.06%0%27.73%60
Loan for Low Income Clients Life Improvement Loan100 - 1,00025.48%2.12%0%28.68%60
Loan for Education and Development100 - 3,0009.90%0.83%0%10.36%48
  • For all types of loan products that qualify as automatic loans, a -2% discount will be applied, (excluding customers in the first cycle with FINCA, without a credit history, as well as passive customers for more than 6 months), from the minimum rates of interest.
  • For all types of loans for women (business, agricultural, renovation and personal), no administrative fee is applied, while depending on the product used, the rate is applied of interest according to the higher price.
  • The calculation of the Effective Interest Rate is made according to the maximum maturity (60 months), the maximum amount for the corresponding annual interest and based on a regular payment plan.
  • In case of late payment of the loan according to the re-payment schedule, late interest will be charged which is calculated according to the regulation of the Central Bank of the Republic of Kosovo (BQK), published in this link https://bqk-kos.org/statistikat/kamatevonesat/
  • Confirmation for closing the loan is 1€.
  • The requirement for replacing movable collateral is 20€, and immovable collateral is 30€.
  • Car purchase loans for Business and Agro products are handled for values from €3,000 to €25,000 according to the current price list but without administrative fee.
  • Loans for the purchase of a car for the personal loan product for amounts from €3,000 to €5,000 are treated according to the price list for personal loans, while for amounts from 5,001 to 15,000 are treated according to the price list for Renovation Loans. In all cases without administrative fee.
  • For repeat customers of FINCA, with good loan history, a discount of 0.5% to 1% from nominal interest rates can be offered.
  • A client with a credit history is considered any client who has had active or passive credit exposure with FINCA Kosovo or other financial institutions in the role of borrower or co-borrower.
  • Loans (Agriculture, Business and Renovation) for energy efficiency, a reduction of the current nominal rate will be applied according to the loan amount, up to €3,000: -5% of the nominal rate; for amounts €3,001 – €5,000: -4%; for amounts €5,001 – €10,000: -3%; for amounts €10,001 – €15,000: -2%
  • Personal Loan for Energy Efficiency; for amounts up to €3,000: -5% of the current nominal rate for personal loan; for amounts €3,001 – €5,000: -4% of the current nominal rate for personal loan; for the amount of €5,001 – €15,000 will be treated according to the price list for renovation loan: €5,001 – €10,000: -3% and €10,001 – €15,000: -2%
  • For energy efficiency loans, the price determination will be based on risk, including the scoring model.