BKT review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

BKT lends directly in Albania, offering personal loans at an APR of 4% to 11%, terms of up to 120 and amounts of up to ALL 3,000,000. It suits salaried residents with steady income who prefer dealing with the bank itself, and it prices below a market median of 12.25%.

Key facts

Best for
Salaried residents of Albania who want long term bank credit at the cheaper end of the market.
APR
4% to 11% (Source, checked September 26, 2026)
Loan amount
up to ALL 3,000,000 (Source, checked September 26, 2026)
Term
up to 120 months (Source, checked September 26, 2026)
Arrangement fee
1% of the loan, minimum 3000 ALL (0% when closing a loan held at another bank) (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Individuals with salary or rent income; 6 months in the same public-sector post, 1 year in the same private-sector post, 1 year total work experience; no guarantor needed up to ALL 500,000 (Source, checked September 26, 2026)
Origination fee (%)
0% to 1% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Banka Kombetare Tregtare Sh.A. (Source, checked September 26, 2026)
Headquarters
Albania (Source, checked September 26, 2026)
Founded
1925 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
bkt.com.al

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • Lending comes straight from the bank, so the price and the decision sit with the lender (direct lender).
  • An APR of 4% to 11% sits under the site's personal loan median of 12.25%.
  • Terms of up to 120 and amounts of up to ALL 3,000,000 cover larger purchases without a short window.
  • Support runs on phone and help centre, so borrowers can pick up the phone or use the help centre.

Cons

  • An origination fee of 0% to 1% of the loan applies, with a minimum charge, and it is waived only when a loan held at another bank is closed.
  • The rate is variable, so the cost of the loan can move during the term.
  • The guarantor waiver in the eligibility rules stops at a smaller loan size, so it does not cover every amount.
BKT

Ready to try BKT?

Scored 9.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Salaried or rent-earning adults with enough time served in their current public or private sector job.
  • Borrowers who want to deal with the lender itself rather than a comparison site or broker.
  • People who want a long repayment window, since terms run up to 120.

Who should look elsewhere

  • Borrowers who want a rate that stays the same, since BKT's is variable and Monzo Flex quotes 10% to 23% as its own range.
  • Applicants without salary or rent income, or without time in the same post, because the eligibility rules ask for both.
  • Anyone focused only on the headline rate, since Cashspace lists PHP 12 to PHP 36 against BKT's 4% to 11%.

The company behind it

BKT is Banka Kombetare Tregtare Sh.A., a bank based in Albania with roots going back to 1925. It lends in its own name, so the contract, the rate and the support all come from a single institution rather than a middleman. Support runs on phone and help centre, giving borrowers phone and help centre access for questions on an application or a running loan.

How BKT compares

Where BKT is available

Available
Albania

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does borrowing from BKT cost?+

BKT charges an origination fee of 0% to 1% of the loan, and that fee carries a minimum charge. The fee is waived when the borrowing replaces a loan held at another bank. Interest runs at an APR of 4% to 11%, and the rate type is variable, so the total cost is not locked in at the start.

Is the BKT rate fixed for the whole loan?+

No, the rate is variable, so monthly payments can move if the bank changes its pricing. Borrowers who can handle that movement get the benefit of the 4% to 11% range, while anyone budgeting on a steady monthly cost should look elsewhere first.

How much can I borrow, and for how long?+

The amount cap is up to ALL 3,000,000 and terms run up to 120 on the personal loan product. Both are outer limits, so the amount offered depends on income and on meeting the eligibility rules, which ask for salary or rent income and a minimum time in the same post.

Do I need a guarantor for a BKT loan?+

The eligibility rules waive a guarantor for smaller loan amounts, so single applicants can borrow up to a certain size without anyone backing them. Beyond that size the rules do not carry the same waiver, so a guarantor or other cover may be needed to move the application along.

Who is behind BKT?+

BKT trades as Banka Kombetare Tregtare Sh.A. and is based in Albania, with a history going back to 1925. Lending is direct, so the contract, the rate and the decision all come from the bank rather than a broker or a comparison site acting in between.

How can I get help from BKT?+

Support runs on phone and help centre, so borrowers have phone lines and a help centre to turn to. Call if a question is urgent or tied to a payment, and start with the help centre for general information about the personal loan and its fees.

How does BKT compare with other lenders on price?+

BKT's APR of 4% to 11% compares with Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23%. The site's personal loan median is 12.25%, so BKT sits below the middle of the market while most rivals price higher. Cashspace ES lists 0%, the outlier in this group.

Sources

  • bkt.com.al checked September 26, 2026

    Backs: Legal entity, Support channels

    “JCR Eurasia Rating rated the consolidated structure of 'Banka Kombetare Tregtare Sh.A.'”

  • bkt.com.al/en/about-us/who-we-are checked September 26, 2026

    Backs: Founded, Headquarters

    “The history of Banka Kombetare Tregtare starts from November 29th, 1925, with the establishment of the first branch in Durres; BKT with today's name was established in January 1993”

  • bkt.com.al/me-duhet-kredi/kredi-personale/super-kredi checked September 26, 2026

    Backs: Loan amount, APR, Loan types, Arrangement fee, Origination fee (%), Rate type, Term

    “Super Kredi: maximum loan amount - up to 3,000,000 Lek”

  • bkt.com.al/me-duhet-kredi/kredi-personale/super-kredi/pye... checked September 26, 2026

    Backs: Eligibility, Lender type

    “Super Kredi is offered only to individuals whose income comes from salary and/or rent; at least 6 months in the same position in the public sector, at least 1 year in the same position in the private...”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time, Representative example.

Related by the facts

BKT

BKT

Salaried residents of Albania who want long term bank credit at the cheaper end of the market.

9.3/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings