KrediFlash: Make challenging wishes happen
Benefits of KrediFlash
Nëse je individ me të ardhura lehtësisht të verifikueshme, ti do të gjesh zgjidhje të lehtë dhe përmirësosh jetën.
Fast application in few minutes
Get a personal loan without collateral without going to the branch
Minimum documents
ID card only for Paying customers. Certification for Social Security contributions from e-Albania for non-salary customers
100% online
Automatic loan application, approval, and disbursement. Simple and secure electronic identification and signature
How can you use the benefits of KrediFlash?
Vacations: Make your dream vacation happen
Turn your holiday fantasies into reality by unlocking the potential of a KrediFlash. We think everyone deserves a break, and that's why our totally online loan is here to make it happen at every moment. Enjoy the freedom to explore, relax, and create lasting memories without straining your budget. Your dream getaway is within reach—let's make it happen together!
Home renovation: Make work from home happen
Ready to make your home even better? With KrediFlash make renovating simple and stress-free. Say goodbye to waiting and hello to your dream home office with a more cozy and beautiful space. Explore your options today and take the first step toward a cozier, more beautiful space. Your upgraded home is just a loan away!
Health: Make that hollywood smile happen
Take charge of your health with KrediFlash if you need funds for medical expenses. KrediFlash makes it easy for you. Invest in your well-being without stress. Discover your possibilities today and step into a future of well-being. Your health matters, and we're here to help!
Education: Invest in your future with KrediFlash
We believe in the power of education. KrediFlash is designed to make pursuing your academic dreams a reality. Whether it's tuition fees, course materials, or other educational expenses, KrediFlash, totally online provides a straightforward solution. Explore KrediFlash today and take the first step towards a brighter educational future. Your dreams, your education – we're here to make it happen!
What do I need to know before I apply?
- 1. Salary customer
- 2. Non salary customer
- 3. Non bank customer
I receive the salary at Raiffeisen Bank
- You must be a customer of Raiffeisen Bank
- Income from the salary credited to Raiffeisen Bank will be taken into consideration.
- You must have Albanian citizenship, work and live in Albania.
- You must be at least 18 years old at the time of loan application and no older than 65 years old at the end of the loan term.
You must have a valid passport or identity card issued by the Albanian state, which will be used during the electronic identification process. The expiration date of the document must not be less than 1 month from the moment of application.
Your personal mobile phone number will be used during the loan application process and the electronic signing of documents. You must also have an accessible personal e-mail address. This address will be used for saving the application, notifications and sending application documents.
A phone (smartphone) with camera and microphone is required for the electronic identification process.
The amount of the monthly installment will be automatically withdrawn from the current account at Raiffeisen Bank on the date of the installment. The final installment date will be determined at the time of disbursement of the loan. Make sure you have the correct installment amount available in your account. Late payment is recorded in the Credit Register, which is available to all banks. This may lead to difficulties in obtaining credit products in the future (loans, credit cards, allowed overdrafts on the current account, and others).
I don't receive the salary but I have a current account at Raiffeisen Bank
- You must be a Raiffeisen bank customer
- You must have Albanian citizenship, work and live in Albania.
- Income from the salary of only one employment will be considered.
- You must be at least 18 years old at the time of loan application and no older than 65 years old at the end of the loan term.
You must have a valid passport or identity card issued by the Albanian state, which will be used during the electronic identification process. The expiration date of the document must not be less than 1 month from the moment of application.
The verification of income is carried out through the e-Albania document "Certification for the payment of contributions for the Individual". To access and download the document in e-Albania, you can click here: https://e-albania.al/ looking for: "Certificate for the payment of contributions for the Individual".
Your personal mobile phone number will be used during the loan application process and the electronic signing of documents. You must also have an accessible personal e-mail address. This address will be used for saving the application, notifications and sending application documents.
A phone (smartphone) with camera and microphone is required for the electronic identification process.
The amount of the monthly installment will be automatically withdrawn from the current account at Raiffeisen bank on the date of the installment. The final installment date will be determined at the time of disbursement of the loan. Make sure you have the correct installment amount available in your account. Late payment is recorded in the Credit Register, which is available to all banks. This may lead to difficulties in obtaining credit products in the future (loans, credit cards, allowed overdrafts on the current account and others).
I don't have a current account at Raiffeisen Bank
- You do not have to be a Raiffeisen bank customer.
- You must have Albanian citizenship, work, and live in Albania.
- You must have a minimum of 6 months in your current job.
- Income from the salary of only one employee will be considered.
- You must be at least 18 years old at the time of loan application and no older than 65 years old at the end of the loan term.
- You must be the owner or co-owner of your current residence.
You must have a valid passport or identity card issued by the Albanian state, which will be used during the electronic identification process. The expiration date of the document must not be less than 1 month from the moment of application.
The verification of income is carried out through the e-Albania document "Certification for the payment of contributions for the Individual". To access and download the document in e-Albania, you can click here: https://e-albania.al/ looking for: "Certificate for the payment of contributions for the Individual".
Your personal mobile phone number will be used during the loan application process and the electronic signing of documents. You must also have an accessible personal e-mail address. This address will be used for saving the application, notifications and sending application documents.
A phone (smartphone) with camera and microphone is required for the electronic identification process.
The amount of the monthly installment will be automatically withdrawn from the current account at Raiffeisen bank on the date of the installment. The final installment date will be determined at the time of disbursement of the loan. Make sure you have the correct installment amount available in your account. Late payment is recorded in the Credit Register, which is available to all banks. This may lead to difficulties in obtaining credit products in the future (loans, credit cards, allowed overdrafts on the current account and others).
The most frequently asked questions
In this section you will find the most frequently asked questions about KrediFlash
KrediFlash is a fully online and automatic consumer loan application.
Only individuals of the bank can apply, as well as those customers who are not bank customers.
- Bank clients can be debtors or non-debtors
- Non-bank clients are individuals who have never had a bank account or have closed all their accounts at Raiffeisen Bank.
To apply for a Flash Loan, the following criteria must be met at the same time:
- You must have Albanian citizenship, work and live in Albania.
- You must have a minimum of 6 months in your current job.
- You must be at least 18 years old at the time of loan application and no older than 65 years old at the end of the loan term.
- Valid Albanian passport or identity card. The expiration date of the document must not be less than 1 month from the moment of application.
- Accessible personal phone number and email.Camera phone.Certification for Social & Health Insurance contributions for the Individual from e-Albania. To access e-Albania you can click here: https://e-albania.al/ looking for: "Certificate for the payment of contributions for the Individual". The verification from e-albania will be only for non-bank customers and those who are not salaried in Raiffeisen Bank Albania
Two documents are needed for the Flash Loan application:
- You must have a valid passport or identity card issued by the Albanian state.
- Certification for Social Security & Health Insurance contributions for the Individual from e-Albania (this certification is only for non-bank clients and those who are not RBAL employees). To access e-Albania you can click here: https://e-albania.al/ looking for: "Certificate for the payment of contributions for the Individual".
Customers who receive payment at Raiffense Bank do not need a document to verify the payment.
Individuals who do not credit the salary to the bank or are not clients of the bank, the certification of the salary is carried out through a document which can only be downloaded from the website of e-Albania: Certification of Social and Health Insurance Contributions for the Individual - e-SIG 03/ a. You must be employed at the current employer for at least 6 months. The average net salary in the last 6 months will be considered for salary evaluation.
The duration of the process is determined by the applicant because the processes performed by the bank are 100% automatic. The bank evaluates the application, approves the loan, verifies income, creates a new account and automatically credits the loan amount instantly.
An application in "KrediFlash" has up to 7 days to complete. You can save the application by clicking the "Save" button during the application. An e-mail will be sent to your e-mail, through which you can continue the application within 7 days.
Crediting of the loan amount to the new account is carried out immediately after electronic video identification and electronic signing of the account and loan contracts.
Your personal mobile phone number will be used during the loan application process and the electronic signing of documents. For this reason, during the online application, verification of the phone number will be required by sending an SMS with a 6-digit code (SMS-OTP) and e-mail (with a verification link).
No, the salary must be declared and social and health insurance must be paid.
No, you no longer need to enter the link. After disbursing the loan, you are a Raiffeisen bank customer and can be registered on the Raiffeisen ON digital platform.
Yes, after disbursing the loan, you can withdraw funds at the bank's branches.
You can find the signed documents: a) in the application with which you performed the Eurotrust electronic signature (under the "Documents" menu) or b) in one of the branches of Raiffeisen Bank Albania.
You apply from the comfort of your home or other places, without the need to present yourself at the bank during the application process until the loan is credited to your new account.
For the evaluation of your salary, only an electronic document "Certificate of Social and Health Insurance Contributions for the Individual" obtained from the e-albania website will be considered.
“Kredi Flash” is offered online for a faster application, which does not require a physical appearance at the branch.