Raiffeisen Bank & Neptun Comfort begins with the right choice
Buy the desired products in Neptun stores with Express with 0% interest rate
- 30% Discount + 0% Interest (Large Home Appliances)
- 20% Discount + 0% Interest (OLED & QLED TVs and all Small Home Appliances)
- 5% Discount + 0% Interest (Mobile Phones, Laptops, Computers, Gaming)
Offer Validity: August 3 – December 31, 2026
Attention! Borrowing money costs money. Make sure you are fully informed before making a decision.
You choose the products you want, we finance them
With the Express loan, you can immediately buy modern furniture, home appliances, or your favorite laptop
Sales Channels
Neptun stores / RBAL/HUMA Branches (remote agents) / Online via Raiffeisen ON
Loan Amount
10,000 Lek – 500,000 Lek / 300,000 Lek (online)
Loan Terms
6 months up to 24 months
Administration Fee
The Administration Fee will be 0%
Example
Loan amount: 500,000 lek
Loan term: 24 months
Loan currency: Lek
Interest rate: 0%
The loan installment for both salaried and non-salaried clients is 20,833.33 lek to be paid every month.
The total payable amount for the loan of 500,000 lek with a 24-month term is 500,000 lek for all clients, for any product purchased at Neptun stores.
Taking a loan in a currency different from the one in which your income is generated carries 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 cause difficulties in your ability to repay the loan since the installment amount would increase. These difficulties may lead to failure to repay the loan, worsening your status to “problematic,” and even the initiation of mandatory enforcement procedures by the bank.
For more information, download the Pre-Contractual Information for RSF.
