Energbank

Credit de consum cu gaj

Consumer floating rate Online application

Annual rate

9.75–10.25%

floating rate

APR

10.13–10.68%

total cost

Term

6–60 mo

≈ 5 years

Amount

3 000–2 500 000 MDL

How the rate works: Flotantă: 9,75% cu salariu pe card Energbank, 10,25% standard; = indicele de referință BNM (5,75% pentru mai 2026) + marja băncii 4,50% (standard) Bank APR: DAE 10,68% la 1 000 000 MDL, 60 luni, 10,25%, rata lunară 21 370 MDL

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Amount

Term

Monthly payment

—

Total interest

—

Indicative: 9.75% for the whole term, equal payments. The bank sets the exact payment.

Collateral required

Bun imobil sau automobil (gaj)

✓

Early repayment allowed

Arrangement fee: 0% + 0 MDL

Monthly fee: 0%

✓

Salary card discount: −0.5%

Credit de consum cu garanții reale pentru nevoi personale sau refinanțare, până la 2,5 mil. MDL pe 60 de luni, fără comisioane de acordare și administrare.

Source: www.energbank.com · Verified on 11.11.2026. APR (DAE) estimated by MDL.md for the chosen amount and term, including published fees. Check the final offer with the lender.