Unsecured consumer loans

• Apply online
• Fast approval
• Advantageous and transparent conditions
• Wide range of income accepted
• No proof of income*
• No pledge*

_{*The approval term may depend on the amount/complexity of the credit file and the interest rate may depend on both the amount of credit and the category of the client. If the applicant's income information from the State Tax Service database is inconclusive or missing, additional supporting documentation will be required. For an amount greater than 200 000 lei, confirmation of ownership of real estate will be required and a third party guarantor may be required. The bank warns consumers of the responsibility to repay loans.}

Step 1: Access the credit calculator
Step 2: Choose the amount, credit period and click the "Apply online" button
Step 3: Fill in the form to get pre-approved for credit
Step 4: Receive by sms / email the preliminary decision and instructions to follow
Step 5: Once you get the final decision by sms/email, you will be contacted by an OTP Bank advisor
Step 6: Come to the bank to sign the credit agreement and receive the money

You are eligible for an unsecured personal loan if you meet the following conditions:

• You are a citizen and have a residence visa in the Republic of Moldova,
• You are at least 18 years of age and will not be older than 70 years of age at the maturity date of the loan,
• You are officially employed in the Republic of Moldova and have at least 6 months of activity.

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

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

• Information on the conditions for issuing unsecured loans to individuals (PDF)
• Information on the conditions for issuing unsecured loans to individuals (Excel)