OTP Bank › Loans
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enroru

Unsecured consumer loans

with online decision

Banknotes

No pledge and no justification of expenses

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Wide range of accepted incomes

Accounting Calculator 2

Preliminary decision from 5 minutes

Apply online

Calculator de credit

MDL
2000 MDL400000 MDL
months
6 months60 months

Important information!

The calculator is for informational purposes only and displays an indicative interest rate. The final interest rate is calculated based on the customer's profile and may vary. The results do not constitute an offer and are not binding on the bank.

Monthly payment (MDL)MDLApply online
Annual interest rate %View repayment chart
Effective annual interest rateAPR: %
Shield

Indicative calculation example:

For a personal loan without collateral in the amount of 100,000 MDL, for a client in category VI, with a floating interest rate of 12.51%, without commissions, for a period of 60 months, the APR (Annual Percentage Rate of Interest) is 13,25%. Monthly payment 2250.29 MDL. The total amount to be reimbursed will be 135017.58 MDL.

OTP Bank warns consumers about the responsibility for repaying loans.

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 loan file, and the interest rate depends on the client's category, which is assigned based on the data obtained by the Bank and provided by the client. If the information on the applicant's income from the State Tax Service database is not conclusive or missing, it will be necessary to submit additional confirmatory documents.

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
Step 5: 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