Personal Loan is offered to all individuals employed in state or private institutions and with verifiable incomes.

Raiffeisen Bank offers you the unsecured loan with a maximum limit up to 2,000,000 Lek to resolve any financial difficulty and fulfill every need and wishes at any time.

We are always close to you as your most loyal partner with the right solution to give your loved ones the little things they desire and fulfill every wish!

We invite all our customers to benefit:

  1. Full financing of your investment
  2. Easy application procedures
  3. Up to 84 months
  4. Loan amount: 100.000 – 2.000.000 ALL (the loan amount is based on the customer segment)
  5. Offered only to albanian residents
  6. No justifying loan purpose
  7. Very convenient monthly repayments
Loan Maturity Up to 7 years
Loan Amount Min: 100.000 leke - Max 2.000.000 leke (as per customers’ segment)
Fix IR* in LCY for all customers, including the customers not receiving their salary in Raiffeisen Bank:

4.9% fix rate for the first year of the loan, afterwards variable interest rate as per each segment**;

4.3% fix rate for 1-year loan tenor

*For all applications up to December 31, 2021!

**After the fix period, the interest rate will be:
For Paga+ (Clients that withdraw the salary through Raiffeisen Bank): T-Bill 12M + 9.9%.
For Standard Customers (Clients that do not withdraw the salary through Raiffeisen Bank): T-Bill 12M + 11.9%.
**The interest on the 12-month Treasury Bills results from the auctions held, which are announced on the same day of the auction and are published on the respective websites of the Ministry of Finance and Bank of Albania.

Percentage of financing 100% of the expenditures value
Documents required

- Personal Identity Document
- Family Certificate
- Income Declaration
*The Bank reserves the right to request additional documentation on case basis.

Collateral Not Required

Pick up a brochure for more information, contact the personal banker in your local branch, or call our Call Centre on +355 4 2381381.

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