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Unsecured consumer loans

with approval from 15 minutes*

Up to 450,000 MDL

per family

0% fee

for management

Aprobare de la 15 minute*

în baza buletinului de identitate

You are a new customer

Credit name
Amount 100000 200000
Term 48 Months 60 Months

Calculate the monthly rate

Acuratețea datelor acestui calculator și aplicabilitatea lui în cazul tău particular nu sunt garantate. Pentru obținerea unor informații exacte și a unui calcul personalizat, vino în orice sucursală a băncii.

Monthly payment

2684.43 MDL

Annual interest rate

13 %

Effective annual interest rate

15.65 %

Representative calculation example: for a loan of personal needs, without collateral, in the amount of 200,000 lei, with a floating interest of 13%, for a term of 60 months and with a file analysis commission of 2000 MDL, DAE (effective annual interest) is 14.54 %

Your advantages

  • ZERO commission for granting
  • Quick approval: from 15 minutes*
  • Wide range of accepted income sources
  • Refinancing on favourable terms
  • No proof of income*
  • No pledge*


  • Maximum amount financed: up to 450 000 MDL, per family
  • Lending period: from 3 to 60 months
  • Floating interest rate for the entire loan period


*The approval term may depend on the amount / complexity of the credit file, and the interest rate may depend on both the loan amount and the customer category (customers who receive their salary on OTP Bank cards, customers who have a positive credit history or who work in the medical sector). If the information on the applicant's income from the State Tax Service database is inconclusive or missing, it will be necessary to submit additional supporting documents. For an amount greater than 100,000 lei, confirmation of ownership of a property will be required and the surety of a third party may be requested. The bank warns consumers about the responsibility for repaying loans.

How can you apply for credit?

Come to any branch or contact us at 022 256 456 and request an appointment with a bank advisor


Apply online in 5 easy steps:

Step 1: Access the credit calculator
Step 2: Choose the amount, the credit period and click the "Apply online" button
Step 3: Fill in the form with the requested personal data
Step 4: Wait for our advisor's call to clarify some details and get credit pre-approval
Step 5: Come to the bank to sign the credit agreement and get the money

Eligibility criteria

  • You are a citizen of the Republic of Moldova and have a residence visa in the Republic of Moldova
  • You are officially employed in the Republic of Moldova and you have at least 4 months of activity with your current employer

Accepted income sources

  • Income from salaries
  • Cumulative income of all family members
  • Other income that is permanent and can be confirmed

Required documents

  • Identity card (in original)
  • Credit application
  • Agreement on consultation of the Bureau of Credit Histories and the database of the State Tax Service (with qualified advanced handwritten or electronic signature)
  • Proof of income (if the income is not reported to the State Tax Service) and / or other supporting documents regarding the additional income collected
  • Other documents requested by the bank, if necessary

Current offer