Salary Overdraft

No administration fee will be applied for all applications until November 30th, 2025.

Benefits

No collateral

No need for a collateral or guarantee

No guarantors

No need for a guarantors

Variable installments

Pay interest only for the used funds

ZERO administration commission

No administration fee to be applied for applications until Jun,15 2025

Illustrative example for calculating the Effective Interest Rate (EIR)

Overdraft Retail

  • Currency: LEK
  • Tenor: 12 months
  • Amount: 150,000 LEK
  • Administration fee: 3,000 LEK
  • (2% of the amount, for amounts up to 200,000 LEK; min 1,500 LEK, max 7,800 LEK)
  • Interest rate: 13%
  • Effective interest rate: 15.31%


Overdraft Retail

  • Currency: EUR
  • Duration: 12 months
  • Amount: 1,500 EUR
  • Administration fee: 30 EUR (2% of the amount, for amounts up to 1,650 EUR; min 10 EUR, max 70 EUR)
  • Interest rate: 13%
  • Effective interest rate: 15.31%
  • This example is illustrative."
     
overdraft

Characteristics


 

You can have up to 3 salaries in advance.

 

The advance amount can be used and reused up to the maximal limit.

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