SmartAuto Loan
400 000 MDL
up to 60 months
from 9% (fixed)
from 9,38%
Annual interest rate
Effective annual interest rate
Fees
Applies to loan applicants who:
✔️ earn income within the territory of the Republic of Moldova and do not own real estate property, when the cumulative debt exceeds 200,000 MDL;
✔️ earn income from abroad and own an apartment and/or residential house.
Calculation made for the amount of 300,000 MDL for a term of 60 months.
How to get the loan
Visit the partner’s showroom.
Find out the conditions directly from the Partner.
Apply for loan directly
with the Partner.
Sign the Loan Agreement.
Receive the car you want.
See the list of partners below.
Resident of the Republic of Moldova: a citizen of the Republic of Moldova, a foreign citizen or a person without citizenship (stateless person), with permanent residence in the Republic of Moldova or with temporary residence in the RM, as the case may be, who has an appropriate identity document, issued by the competent authorities of the Republic of Moldova, valid at the time of applying for loan.
Age between 20 and 70 years – the age up to which the loan can be repaid.
Employed for a minimum period of 6 months. Income from abroad is accepted.
Procurement of automobiles from the Bank’s partners.
Valid identity document.
Other income-related documents, as applicable.
Our partners
Compare the loan products
12%*
From 11.02% standard customer
From 9.38% – refinancing
12.68%*
We inform you that by contracting a loan you are responsible for its repayment. Thus, we recommend that you check your ability to pay.
Manage your money carefully. Make sure you pay your loan on time.
FAQ:
The customer can hold from one to several loans, depending on the monthly income earned.
The loan application and contract signing are carried out directly at the partner’s location, without visiting the Bank.
The loan is repaid monthly through the mobile application, Web Banking, at Cash-In ATMs or at any subdivision of the Bank.
The loan will be disbursed through a transfer to the partner’s account.
You are entitled to repay the loan in full or in part at any time, with the application of the early repayment commission.
If the date of payment according to the repayment schedule is a non-business day, the Borrower may make that payment on the immediately following business day, in which case the balance of the credit will be reduced on that date. At the same time, the Borrower may ensure the transfer of funds to the Current Account related to the credit opened with the Bank, on the business day prior to the date of payment according to the schedule, in order to reduce the credit balance exactly on the date indicated in the payment schedule and to further calculate the interest on the reduced balance.