Make way for your dreams

Choose a personal loan

Apply completely online and benefit from:

A fixed interest rate of 6.5% for the first 3 years of the loan
- No collateral or declaration of the purpose of the loan is needed.
- The maximum amount and term for the personal loan are offered based on the client segment, application channel, and client risk assessment.

Informacion: Nëse zgjidhni të aplikoni në degë ju përfitoni normë interesi fiks 7.5% për 2 vitet e para të kredisë

The offer is valid until September 30, 2025

Attention! Please ensure your loan is fully processed through the digital channel to benefit from the 6.5% interest rate; otherwise, a 7.5% rate will apply. Borrowing money costs money. Be fully informed before making a decision.

Apply online, on Raiffeisen ON, or at a branch

Application Channel	Applications via digital channel			Applications at bank branches
Client Segment	Standard salary clients	Premium salary clients	Non-salary clients	Standard salary clients	Premium salary clients	Non-salary clients
Maximum Amount	2.5 million Lek	3 million Lek	1 million Lek	2.5 million Lek	3 million Lek	2.5 million Lek
Maximum Term	10 years	10 years	7 years	10 years	10 years	10 years

Insurance of the credit premium in two packages:

Standard

2.5% of the loan amount

Extra

3% of the loan amount (only for a maximum limit up to 1.5 million lek and a loan term up to 84 months).

Valid only for personal loans in Lek currency!

Example

Loan amount: 3,000,000 Lek

Loan term: 10 years

Interest: 6.5% for the first 3 years with an Effective Interest Rate (EIR) of 7.49%

Monthly installment: For the first 3 years, the monthly payment is 34,064.39 Lek (includes principal + interest)If the client receives their salary through Raiffeisen Bank, after the first 3 years, the interest will be the 12-month Treasury Bill rate, adjustable annually, plus 10.4% (The loan interest rate is offered based on the client's risk assessment).

Assuming the current value of the Treasury Bill remains unchanged, the interest for the loan will be: 2.78% + 10.4% = 13.18%. The loan installment calculated with this interest for the following years will be 41,956.92 Lek.

The total payable amount for the loan of 3,000,000 Lek is 4,750,699.05 Lek.

This total amount may change depending on fluctuations in the 12-month Treasury Bill interest rate and the minimum interest applied to the requested loan.

Borrowing in a currency different from the one in which your income is generated involves significant risks. For example, if your income is in Lek and you take a loan in Euros, an increase in the Euro exchange rate would make it difficult to repay the loan as the installment amount would increase. These difficulties could lead to failure to repay the loan and deterioration of your status to "problematic," potentially resulting in the initiation of mandatory execution procedures by the bank.

Apply now

For more information, download the Pre-contractual Information for the Unsecured Personal Loan.

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