Unsecured consumer loans

The choice is simple with OTP Bank

Term

6 - 60 months

Up to 450 000 lei

per family*

ZERO commisions

for file analysis, granting and administration

We know you've always thought of your loved ones first, but now it's time to take care of yourself and move confidently towards your dreams. It's time to choose in your favour.

Apply now for an unsecured consumer loan and benefit from:

- Floating rate from 9.41% p.a.
- APR from 9.84% p.a.
- Up to 350 000 lei per customer and up to 450 000 lei per family
- Free Visa debit card
- Unlimited access to OTP Internet & Mobile Banking.

Contact us now to apply for a loan or to find out how much you can receive.

You work in a State Institution and receive your salary by OTP Bank card - floated rate

Client category

Amount

MDL

2000 350000

Term

Months

6 Months 60 Months

Calculate the monthly rate

The accuracy of this calculator`s data and its applicability to your particular case is not guaranteed. For accurate information and a personalised calculation, please visit any branch of the bank.

Credit body

343.22 MDL

Annual interest rate

9.41 %

Effective annual interest rate

9.73 %

See the refund schedule

Data plății

Credit body

Interest rate

Comission

Monthly payment

Credit balance

13-03-2025	0.00	0.00	0.00	2,000.00
12-04-2025	326.56	15.47	342.03	1,673.44
12-05-2025	329.60	12.94	342.54	1,343.84
12-06-2025	331.80	10.74	342.54	1,012.04
12-07-2025	334.71	7.83	342.54	677.33
12-08-2025	337.13	5.41	342.54	340.20
30-10-2025	340.20	6.93	347.13	0.00
Total	2,000.00	59.32	2,059.32

Sample calculation: For an unsecured personal loan of 100,000 lei with a floating interest rate of 9.41%, with no fees, for a term of 60 months, the APR (Annual Percentage Rate of Interest) is 9.84%. The Bank reserves the right to request confirmation of ownership of real estate and/or the guarantee of a third party. This information does not constitute a commitment by the Bank. For a personalised offer, please visit any OTP Bank branch. The bank warns consumers about the responsibility of repayment of loans.

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Useful information

Features

- Maximum amount financed: up to 450 000 MDL, per husband/wife, cohabiting partner
- Loan period: from 6 to 60 months
- Fixed or floating interest rate for the whole loan period

How can you apply for credit?

1. Come into any branch or contact us on +373 22 256 456 and request an appointment with a bank advisor
2. Apply online by filling in the form

Eligibility criteria

You are eligible for a personal loan without collateral if you fulfill 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 over 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

Accepted income sources

Income from salaries or other types of income that can be documented (dividends, rents, military pensions, old-age or early retirement pensions, international transfers, etc.)

The Bank reserves the right to request additional documentation in order to fulfill responsible lending requirements.

Required documents

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

Information on credit conditions for individuals

Contact us online

Fill in the online contact form and we will contact you as soon as possible

Complete the form

Visit us in the branch

Visit any of our branches with your original ID card

Branches and ATMs