Personal Loan

LOAN SPECIFICATIONS

  • Up to 5,000 €

  • No bank account required

  • Up to 36 months

FOR AMOUNTS UP TO 1,000€

  • only co-borrower required

  • only with official ID

ELIGIBILITY FOR THIS CREDIT

  • Applicant must be 18 years of age or older

  • Resident of the Republic of Kosovo

  • Persons with income from business, agribusiness, wage, remittances. Guarantor/Collateral (only on request)

APPLY ONLINE

How to Apply

FILL OUT THE LOAN APPLICATION BELOW

Simple and easy form, we guarantee the safety and security of your data.

WE WILL CONTACT YOU WITHIN 24 HOURS

Our team will contact you to discuss your application further.

APPLY ONLINE

Our Rates

Effective from date: 01/09/2022

Name of product Loan amount (€) Annual interest (%) Monthly interest (%) Disbursement fee% (minimum 15€) Effective IR (%) Maximum loan term in months
Business Loan 250 – 25,000 13.38% – 23.98% 1.12% – 2.00% 1% – 2% 14.74% – 28.06% 60
Agriculture Loan 250 – 25,000 13.38% – 23.98% 1.12% – 2.00% 1% – 2% 14.74% – 28.06% 60
Home Improvement Loan 300 – 25,000 17.28% – 24.73% 1.44% – 2.06% 1% – 2% 19.26% – 29.01% 60
Life Improvement Loan 300 – 5,000 25.48% 2.12% 2% 30.62% 36
Auto Vehicle Registration 200 – 500 9% 0.75% 5% 20.49% 12
Women Loan (Business/Agrobusiness, Home Improvement) 250 – 25,000 13.38% – 24.73% 1.12% – 2.06% 0% 14.23% – 27.73% 60
Women Start-Up Loan 250 – 3,000 20.48% – 24.18% 1.71% – 2.02% 0% 22.52% – 27.05% 60
Women Personal Loan 300 – 5,000 25.48% 2.12% 0% 28.68% 36
Loan for Vehicle Purchase – Business/Agrobusiness Clients 3,000 – 15,000 15.73% – 22.78% 1.31% – 1.90% 0% 16.92% – 25.32% 60
Loan for Vehicle Purchase – Salary Receiver 3,000-15,000 18.89% – 25.48% 1.57% – 2.12% 0% 20.61% – 28.68% 60

*For all loans products that are qualified as automatic loans, will be applied -2% discount from nominal interest rate on pricing.

**For all types of loans for women (business, agriculture, renovation and personal) no administrative fee is applied, while depending on the product used, the interest rate is applied according to the price list above.

****Administrative Expenses (%)-Min 15 €.

*****Calculation of the effective interest rate is made by the maximum maturity (60-month) and maximum amount for the respective Annual Interest

*****In case of delay in repayment of the loan according to the repayment schedule, the default interest will be charged which is calculated according to the Central Bank of Kosovo (CBK) regulation, published at this link Late payments | Banka Qendrore e Republikës së Kosovës (bqk-kos.org).

******Confirmation of the closure of the loan is 1 €.

*******Request for replacement of movable collateral is 20 €, and immovable is 30 €.

******** Car Loans for Business and Agro products are for values from € 3,000 to € 15,000 at current price but without administrative costs.

*********Car loans for personal loan for the amounts from € 3,000 up to € 5,000 are treated according to the personal loan price, while for the amounts from € 5,001 up to € 15,000 are treated according to the renovation loan price. In all cases without administrative costs.

********** FINCA repeat clients with good credit history may be offered a discount of 0.5% to 1% on nominal interest rates on rates.