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Consumer Loan

A good fit for
the right choice

UBA Consumer loan is there for you every time you need it

Don’t let lack of money ruin your purchase

Consumer loans are a form of credit that individuals take from the bank to meet personal needs. It is usually used for large purchases, unexpected expenses, vacations, household appliances.

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General Information

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Product Features

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Online Application

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Online Calculator

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List of documents

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Other Documents

Product Conditions

  • Maximum financing amounts up to 2,000,000 ALL
  • Repayment term up to 7 years
  • Offered in ALL/EUR/USD
  • Effective Profit Rate (EPR): 11.03%

Profit Rates

Salary Clients Non-Salary Clients
ALL EUR USD ALL EUR USD
Rate T-Bill + 7% Euribor + 7% Libor + 7% T-Bill + 8% Euribor + 8% Libor + 8%

 

  • Administration Fee: 2.5% of the financing amount
  • Life Insurance: 1.2% of the financing value
  • Fast approval
  • No collateral required
  • Penalty: 2% on the overdue installment (including principal + profit rate)

Required Documentation

  • Valid identification document (ID or passport)
  • Financial documents
  • Family certificate

Eligibility

  • Anyone over 21 years old
  • Clients with declared and regular income
  • Individual and business clients
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Why you should apply

  • You can apply up to 1,000,000 ALL
  • Easy accessibility for your funds
  • The limit can be approved in LEK/EUR/USD
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Why you will love this

  • Fast approval and disbursement
  • Competitive profit rates
  • No collateral needed
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Who can apply

  • Anyone over 21 years old
  • Clients with declared and regular incomes
  • Individual and business clients
  • Clients with a guarantor (for applications over ALL 500,000)

If you are interested to know more about House Financing please write us an email at: [email protected], or visit us!

Online application

Make an online application to see if you are eligible for financing!

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*Attention! Taking out a loan has costs!

Our Headquarters
St. “Dritan Hoxha”, Blv. 11, H. 3, NB Nr. 7, Tirana, Albania

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Njoftim për Ndryshime në Termat dhe Kushtet e Bankës!

Të nderuar klientë,

Ju informojmë me kënaqësi se duke filluar nga data 7 Tetor 2025, Banka e Bashkuar e Shqipërisë do të ofrojë mbështetje për pagesat SEPA në Euro.

Kjo do të sjellë ulje të ndjeshme të tarifave për transfertat drejt vendeve pjesë të zonës SEPA, si dhe përmirësim të shpejtësisë dhe sigurisë së transaksioneve.

Gjithashtu, pagesat elektronike përmes kanaleve tona dixhitale do të përfitojnë nga komisione më të favorshme krahasuar me ato në degë. Ju ftojmë t’i përdorni për një përvojë më efikase.

Komisionet e reja hyjnë në fuqi më 7 Tetor 2025.

Për më shumë detaje mbi tarifat e reja, ju lutem KLIKONI KETU!

Faleminderit për besimin tuaj!

Me respekt,

Banka e Bashkuar e Shqipërisë