Unsecured consumer loans

Choose in your favour. Choose OTP Bank

Without pledge

and without justification of expenditure

Up to 450 000 lei

per family*

ZERO commisions

for file analysis, granting and administration

Știm că mereu te-ai gândit întâi de toate la cei din jurul tău, acum însă a venit momentul să ai grijă de tine și să mergi cu încredere spre visurile tale. E timpul să alegi în favoarea ta.

Aplică acum pentru un credit de consum fără gaj de până la 450 000 lei, cu rata dobânzii de la 9,99% anual, fără comisioane, și primești un card Visa debit gratuit, acces nelimitat la OTP Internet & Mobile Banking și un cadou garantat, conform Regulamentului Oficial al Campaniei.

Contactează-ne acum pentru a solicita un credit sau pentru a afla suma pe care o poți primi.

You work in the IT sector or Government Institutions and receive your salary on OTP Bank card

Client category
Amount 2000 350000
Term 6 Months 60 Months

Calculate the monthly rate

The accuracy of this calculator's data and its applicability to your particular case is not guaranteed. For accurate information and a personalised calculation, please visit any branch of the bank.

Monthly payment

343.83 MDL

Annual interest rate

9.99 %

Effective annual interest rate

10.36 %

Sample calculation: For an unsecured personal loan of 100,000 lei with a floating interest rate of 9.99% for a term of 60 months, the APR (Annual Percentage Rate of Interest) is 10.47%.

Unsecured loan with online application

Whether you want to renovate your home, buy a car or you simply need money, at OTP Bank we offer you the support you need. Apply today and receive your decision in less than 5 minutes.*

  • Online application
  • Fast approval*
  • Without pledge and justification of expenses**
  • Wide range of incomes accepted

*The maximum amount is 350 000 MDL for one client and 450 000 MDL for a group of related clients.
**The Bank reserves the right to request confirmation of ownership of real estate and/or a third party's guarantee.

Useful information


- Maximum amount financed: up to 450 000 MDL, per family
- Loan period: from 6 to 60 months
- Floating interest rate for the whole loan period

How can you apply for credit?

  1. Come into any branch or contact us on +373 22 256 456 and request an appointment with a bank advisor
  2. Apply online

Eligibility criteria

- You are a citizen of the Republic of Moldova and have a residence visa in the Republic of Moldova
- You are between 18 and 65 years old
- You are officially employed in the Republic of Moldova and have worked for at least 4 months with your current employer

Accepted income sources

- Income from salaries
- Other income which is of a permanent nature and can be confirmed

Required documents

- Identity card (original)
- Credit application
- Account statement and/or other supporting documents regarding income received
- Other documents requested by the bank, if necessary

Current offer