Credit Online
100 000 MDL
up to 60 months
9,4% (fixed)
Maximum amount
100 000 MDL
30 000 MDL
Annual interest rate (fixed)
Effective annual interest rate
Why choose Credit Online?
No bank visits;
Get your credit 100% online;
Available wherever you are, directly from the mobile app;
You get your money fast, within minutes;
Directly on your card;
Pay the credit only by replenishment the card.
How to get credit
Apply in the mobile app
Choose the term and amount you need
Sign the credit contract
Read and sign the contract, using your unique password
Receive the money directly on your card
Choose the card to receive the money and enjoy it
Resident of Moldova: citizen of Moldova, foreign citizen or person without citizenship (stateless person), with permanent residence in Moldova, who holds appropriate identity document, issued by the authorized bodies of Moldova, valid at the time of applying for the loan.
Age between 20 and 60 years, for applicants with confirmed income.
Age between 26 and 60 years old, for applicants with unconfirmed income;
Holder of a debit card in MDL issued by Moldindconbank, except for the social card.
Current needs that do not contravene the legislation in force (e.g. treatment, studies, tourism, home repair, other all-purpose needs, etc.).
In case of repayment of the loan before the maturity date, the Client will pay a commission of 0.5% of the value of the loan repaid in advance.
*Representative example
Customer with confirmed income: For a loan of 50 000 MDL, contracted for a period of 60 months, the annual interest rate (fixed) will be 9,4%, monthly payment – 1 048,13 MDL, effective annual interest rate – 9,81%, and total amount to be repaid – 62 887,50 MDL.
Customer with unconfirmed income: For a loan of 30 000 MDL, contracted for a period of 36 months, the annual interest rate (fixed) will be 30%, monthly payment – 1 273,55 MDL, effective annual interest rate – 34,49%, and total amount to be repaid – 45 763,39 MDL.
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 maximum cumulative amount of the requested credit and the balance of credits, contracted with BC “Moldindconbank”S.A., shall not exceed 100 000 lei, depending on the type of monthly income obtained.
It is enough to apply for the offer directly in the bank’s mobile application, adjust the required term and amount, and confirm the application.
It is only necessary to top up the card initially chosen to receive/pay the credit.
The money will be transferred directly to the card account chosen by you in the loan application form.
The interest is applied to the outstanding balance of the loan to date and is calculated daily, from the date of disbursement of the loan up to and including the date of full payment of the debt on the credit, on the basis of a calendar year of 365 days (366 days in a leap year).
For loan agreements with fixed interest rates, the interest rate does not change during the term of the loan agreement.
The borrower is entitled at any time to repay in full or in part its loan ahead of time, subject to an early repayment charge.