Official Pricing
Full transparency for all loan products. All rates, administrative fees and effective rates are clearly published in accordance with the requirements of the Central Bank of Kosovo.
Loan Rates and Fees
All rates are fixed throughout the loan term.Updated on: 28.09.2026
| Loan Product | Term (Months) | Amount (€) | Annual Interest Rate | Administrative Fee | Effective Rate |
|---|---|---|---|---|---|
Agriculture Loan | 6–60 months | 200€–20 000€ | 26,00% – 29,00% | 0.0%-2.0% | 29,32% – 34,56% |
Livestock Loan | 12–60 months | 1 000€–10 000€ | 29,00% | 1.0%-2.0% | 33,86% – 34,56% |
Business Loan | 6–60 months | 200€–25 000€ | 26,00% – 29,00% | 0.0%-2.0% | 29,32% – 34,56% |
Renovation Loan | 6–48 months | 1 000€–15 000€ | 30,00% | 0.0%-2.0% | 34,48% – 36,15% |
Personal Loan | 3–36 months | 1 000€–7 000€ | 31,00% | 1.0%-2.0% | 36,86% – 37,93% |
Consumer Loan | 3–36 months | 1 000€–7 000€ | 31,00% | 0.0%-2.0% | 35,81% – 37,93% |
Express Loan | 3–12 months | 100€–2 000€ | 29,90% | 1.0%-2.0% | 35,81% – 37,30% |
Women Entrepreneurs Loan | 6–60 months | 1 000€–10 000€ | 25,00% – 27,00% | 0.0%-1.0% | 28,06% – 31,26% |
Car Loan | 6–24 months | 100€–3 000€ | 29,00% | 1.0%-2.0% | 34,61% – 36,05% |
Green Loan | 3–48 months | 100€–15 000€ | 15,00% | 0.0%-2.0% | 17,00% – 17,80% |
Pilot Product — Terms may change during the first 6 months.
Agriculture Loan
- Term
- 6–60 months
- Amount
- 200€–20 000€
- Annual rate
- 26,00% – 29,00%
- Admin. fee
- 0%-2%
- Effective rate
- 29,32% – 34,56%
Livestock Loan
- Term
- 12–60 months
- Amount
- 1 000€–10 000€
- Annual rate
- 29,00%
- Admin. fee
- 1%-2%
- Effective rate
- 33,86% – 34,56%
Business Loan
- Term
- 6–60 months
- Amount
- 200€–25 000€
- Annual rate
- 26,00% – 29,00%
- Admin. fee
- 0%-2%
- Effective rate
- 29,32% – 34,56%
Renovation Loan
- Term
- 6–48 months
- Amount
- 1 000€–15 000€
- Annual rate
- 30,00%
- Admin. fee
- 0%-2%
- Effective rate
- 34,48% – 36,15%
Personal Loan
- Term
- 3–36 months
- Amount
- 1 000€–7 000€
- Annual rate
- 31,00%
- Admin. fee
- 1%-2%
- Effective rate
- 36,86% – 37,93%
Consumer Loan
- Term
- 3–36 months
- Amount
- 1 000€–7 000€
- Annual rate
- 31,00%
- Admin. fee
- 0%-2%
- Effective rate
- 35,81% – 37,93%
Express Loan
- Term
- 3–12 months
- Amount
- 100€–2 000€
- Annual rate
- 29,90%
- Admin. fee
- 1%-2%
- Effective rate
- 35,81% – 37,30%
Women Entrepreneurs Loan
- Term
- 6–60 months
- Amount
- 1 000€–10 000€
- Annual rate
- 25,00% – 27,00%
- Admin. fee
- 0%-1%
- Effective rate
- 28,06% – 31,26%
Car Loan
- Term
- 6–24 months
- Amount
- 100€–3 000€
- Annual rate
- 29,00%
- Admin. fee
- 1%-2%
- Effective rate
- 34,61% – 36,05%
Green Loan
- Term
- 3–48 months
- Amount
- 100€–15 000€
- Annual rate
- 15,00%
- Admin. fee
- 0%-2%
- Effective rate
- 17,00% – 17,80%
Pilot Product — Terms may change during the first 6 months.
Transparent Terms
All financial terms are clearly communicated before signing the contract.
No Hidden Fees
Every fee and payment is published transparently.
Official Documentation
Rates and fees are published in accordance with CBK regulations.
Important Notes
1. The effective interest rate is calculated based on the maximum amount, longest term and minimum/maximum rate according to the product.
2. The effective rate is calculated according to the regulations of the Central Bank of Kosovo (CBK).
3. In case of late payment, late-payment interest is applied according to CBK regulations.
4. A fee of €10 applies for changes to collateral.
5. The certificate confirming loan closure is subject to a €10 fee.
