OTP Bank › Credite
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Unsecured consumer loans

with online decision


No pledge and no justification of expenses

Discount Circle Dash

Wide range of accepted incomes

Accounting Calculator 2

Preliminary decision in less than 5 minutes*

Calculator de credit

2000 MDL200000 MDL
6 months60 months

Important information!

The accuracy of this computer's data and its applicability to your particular case are not guaranteed. For accurate information and a personalized calculation, come to any branch of the bank.

Monthly payment (MDL)MDLApply online
Effective annual interest rateAPR: %

Example calculation:

For a personal loan, without collateral, in the amount of 50,000 lei, with a floating interest rate of 11,00%, for a period of 60 months, the APR (Annual Percentage Rate of Interest) is 11,58%.

Frequently Asked Questions

  • 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 between 18 and 65 years of age
  • You are officially employed in the Republic of Moldova and have worked for at least 4 months with your current employer.

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

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