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Consumer Loan through Merchants

SELECT THE LOAN THAT SUITS YOU MOST

12.000 МКД - 300.000 МКД
  • Physical persons - citizens of RMacedonia
  • Age 18-72 (no older than 72 by the time of the final instalment of the loan)
6 - 48 months
  • fee for loan administration
  • For loans with tenor upto 24 months:
  • 3% with tenor up to 12 months
  • 5% with tenor upto 24 months
  • For loans with tenor upto 48 months:
  • 3% with tenor up to 12 months
  • Draft expenses

Monthly instalments
0% penalty fee on prepaid amount
    For loans with tenor upto 24 months:
  • MKD 0% (RTE 5.80%*)
  • For loans with tenor upto 48 months:
  • МKD 6,00% (NRKS+4.02%, min.6%).  (RTE 7,28%)**
  • The National Reference Interest Rate (NRKS) is used for loans in MKD as a reference interest rate, which is published on the website of the National Bank of the Republic of Macedonia under the name "interest rates on MKD deposits without FX clause". The interest rate adjustment will be carried out on a six-month basis on January 1 and July 1 each year based on the national reference interest rate, which is valid on June 25 and December 25. The referent interest rate currently valid is 1.94%.

  • Administrative ban, if accepted by all parties (Company - Bank - Loan applicant)
  • The age of the applicant by the time of the final instalment should be less than 72 years
  • The loan applicant should be employed or to be pensioner
Only in case the criteria for monthly instalment in relation to the salary or pension and/or age is not fulfilled
  • Visa Electron Point - by opening transactional account
  • Enter American Express - by opening transactional account
  • Passive electronic-mobile banking
List of merchants

* The RTE is calculated for loan amounting to MKD 300,000 and 12 months loan tenor. ** The RTE is calculated for loan amounting to MKD 300,000 and 48 months loan tenor.


The Bank reserves the right to decline the application of the loan applicant.
The Bank reserves the right to change the terms without prior notice.

MORE INFORMATION ON 02 3251 900

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