Credins Bank review

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

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Our verdict

Credins Bank lends directly in Albania through its multipurpose personal loan, which carries an APR of 8% and terms of up to 84. Suited to salaried and non-salaried borrowers funding home improvement, with an origination fee of 0 ALL if applied online, 1,000 ALL if applied at a branch.

Key facts

Best for
Low fee direct lending in Albania for home improvement and first-time buyers.
APR
8% (Source, checked September 26, 2026)
Loan amount
up to ALL 1,500,000 (Source, checked September 26, 2026)
Term
up to 84 months (Source, checked September 26, 2026)
Arrangement fee
0 ALL if applied online, 1,000 ALL if applied at a branch (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Salaried clients: no collateral up to 600,000 ALL; non-salaried individuals: up to 300,000 ALL without guarantors (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Credins Bank sh.a (Source, checked September 26, 2026)
Headquarters
Albania (Source, checked September 26, 2026)
Founded
2003 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
Official website
bankacredins.com

Mortgages

Initial rate
4.5% (Source, checked September 26, 2026)
Fixed period
1 year (Source, checked September 26, 2026)
Product fee
ALL 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Credins Bank sh.a (Source, checked September 26, 2026)
Headquarters
Albania (Source, checked September 26, 2026)
Founded
2003 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • The multipurpose personal loan runs at an APR of 8%, below the site median of 12%, with terms of up to 84.
  • Salaried clients are accepted without collateral, and the personal loan is aimed at home improvement.
  • The home loan covers purchase, remortgaging and first-time buyers, with a product fee of ALL 0.
  • Support runs on email, phone and chat, and the bank is a direct lender founded in 2003.

Cons

  • A branch application costs more than an online one, since the origination fee is 0 ALL if applied online, 1,000 ALL if applied at a branch.
  • The home loan's initial rate of 4.5% is held for just 1, a short stretch to plan around.
  • Non-salaried borrowers reach a lower ceiling than the up to ALL 1,500,000 personal loan maximum, which caps how much they can request.
Credins Bank

Ready to try Credins Bank?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Salaried borrowers in Albania funding home improvement with a personal loan of up to ALL 1,500,000.
  • Homebuyers and remortgagers who want a home loan with a product fee of ALL 0.
  • People who want phone and chat help, since support runs on email, phone and chat.

Who should look elsewhere

  • Monzo Flex, whose APR runs 10% to 23%, if you are comparing a wider band of rates.
  • Cashspace, whose APR of PHP 12 to PHP 36 sits above Credins's 8% on the personal loan.
  • Cashspace ES, where the listed APR of 0% sits far from Credins's 8%.

How Credins Bank compares

Where Credins Bank is available

Available
Albania
Licence in Albania
Bank of Albania, checked September 26, 2026

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

Frequently asked questions

What rate does the Credins Bank personal loan charge?+

The multipurpose personal loan runs at an APR of 8%, which sits below the site median of 12%. Repayment terms run to up to 84, so a larger sum can be spread over a longer stretch. The bank is a direct lender, based in Albania.

What does it cost to take out the loan?+

Apply online and the origination fee is 0 ALL if applied online, 1,000 ALL if applied at a branch, so the same application costs less than walking into a branch. The home loan carries a product fee of ALL 0 on top of its rate. The bank's cost story is the rate itself, 8% on the personal loan and 4.5% initially on the home loan.

Who regulates Credins Bank?+

Credins Bank sh.a is supervised by the Bank of Albania in Albania, and the legal entity behind the products is Credins Bank sh.a. It is a bank rather than a broker, listed as a direct lender, and it has been lending since 2003.

How much can I borrow?+

The multipurpose personal loan offers loans of up to ALL 1,500,000. Salaried clients are accepted without collateral, while non-salaried individuals are accepted without guarantors but at a lower ceiling, which shapes how much a self-employed applicant can ask for.

What can I use the money for?+

The multipurpose personal loan is aimed at home improvement, so a kitchen, a bathroom or a roof fits the stated use. The home loan is separate and covers purchase, remortgaging and first-time buyers. Loan types listed are personal.

How long is the home loan rate fixed for?+

The home loan opens at an initial rate of 4.5% and holds it for 1. That is a short discount period, so price the rest of the term before you apply. A product fee of ALL 0 applies to this product.

How do I get help from the bank?+

Support runs on email, phone and chat, so help is reachable by phone, chat, email or the bank's help centre. Since Credins is a direct lender, questions go to the same body that approves the loan, which can shorten the answers about terms and repayment.

How does Credins Bank score on cost?+

The cost score on BorrowCue is 6.6, level with the overall 6.6. Rate and fee figures sit at the cheaper end of the site, with an APR of 8% on the personal loan, but the branch origination figure in 0 ALL if applied online, 1,000 ALL if applied at a branch keeps the score from running higher.

Sources

  • bankacredins.com checked September 26, 2026

    Backs: Support channels

    “Virtual Assistant: Get instant help with your banking questions, 24/7, through our digital assistant; email info@bankacredins.com; phone +355 46 700 777; Card Guidance and Help”

  • bankacredins.com/history checked September 26, 2026

    Backs: Founded, Legal entity, Licences

    “Established in 2003 by a group of Albanian investors, Credins was founded on the belief that local knowledge and personal service could create a new standard in banking”

  • bankacredins.com/personal/financing/borrowing/consumer-loan checked September 26, 2026

    Backs: Headquarters

    “Visit your nearest Credins branch to discuss your loan options in person. Vaso Pasha Street, Nr.8, Tirana, Albania”

  • bankacredins.com/personal/financing/borrowing/home-loan checked September 26, 2026

    Backs: Fixed period, Initial rate, Product fee, Purpose

    “starting at 4.9% in ALL for the first year, and 4.5% in EUR or USD”

  • bankacredins.com/personal/financing/borrowing/multipurpos... checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Lender type, Loan types, Arrangement fee, Term, Use cases

    “Borrow up to 1,500,000 ALL (about 13,000 EUR) with repayment terms of up to 84 months”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

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

Credins Bank

Credins Bank

Low fee direct lending in Albania for home improvement and first-time buyers.

9.3/10See alternatives

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