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: 12/12/2019

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 14.38% – 24.98% 1.20% – 2.08% 1% – 2% 15.89% – 29.33% 60
Agriculture Loan 250 – 25,000 14.38% – 24.98% 1.20% – 2.08% 1% – 2% 15.89% – 29.33% 60
Home Improvement Loan 300 – 25,000 18.28% – 25.73% 1.52% – 2.14% 1% – 2% 20.45% – 30.29% 60
Life Improvement Loan 300 – 5,000 26.48% 2.21% 2% 31.26% 36
Auto Vehicle Registration 200 – 500 10% 0.83% 5% 21.71% 12
Women Entrepreneur Loan < 1,000 – 25,000 14.38% – 24.98% 1.20% – 2.08% 0% 15.37% – 28.05% 60
Loan for Vehicle  Purchase 3,000 – 15,000 19.89% – 23.78% 1.66% – 1.98% 0% 21.81% – 27.80% 60

*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 https://bqk.org/?id=186

****Confirmation of the closure of the loan is 20 €

*****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.