ECBank 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

ECBank suits Moldovan borrowers who want a fee-free personal loan with a term they choose. It offers personal, debt consolidation, secured, car and credit line lending, its amounts run MDL 3,000 to MDL 400,000 over terms of 3 to 60, and support runs on phone, email and help centre.

Key facts

Best for
Moldovan borrowers who want fee-free personal borrowing and a repayment term they choose.
APR
9.38% to 11.02% (Source, checked September 26, 2026)
Loan amount
MDL 3,000 to MDL 400,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0% one-off granting fee (comisioane: Unic de acordare 0%, Lunar de administrare 0%, Analiza cererii de acordare 0%) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
Retail Simplu: 100 000 MDL over 60 months at 10.50% (DAE 11.02%), commissions 0%: monthly payment approx. 2 149 MDL, total approx. 128 963 MDL (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Citizen of the Republic of Moldova with a permanent residence permit in Moldova, aged 21 to 70 (loan fully repaid by age 70), stable documented income (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Secured, Car, Credit-line (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
BC "EuroCreditBank" S.A. (Source, checked September 26, 2026)
Headquarters
Moldova (Source, checked September 26, 2026)
Founded
1992 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
ecb.md

Apps and profiles

Elsewhere
instagram.comyoutube.com

Pros and cons

Pros

  • The arrangement fee is free, the monthly administration fee is free and the application analysis charge is free, with an origination fee of 0%
  • APR of 9.38% to 11.02% sits below the site median of 12% for personal loans
  • Terms run 3 to 60, so you can shorten the repayment to cut interest or stretch it to lower the monthly payment
  • Support runs on phone, email and help centre, giving you several ways to ask about a loan before applying

Cons

  • The rate type is variable, so a variable loan can cost more later and your payment may move
  • The credit check is hard, so an application brings a full file search rather than a soft prequalification
  • Eligibility is narrow: only citizens of the Republic of Moldova who hold a permanent residence permit there can apply, with stable documented income

Ready to try ECBank?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Moldovan adults with stable documented income who want to borrow for home improvement at a fee-free rate
  • Borrowers who prefer a direct lender to a broker and a term picked from 3 to 60
  • Anyone who wants personal, consolidation, secured, car or credit line borrowing from one bank

Who should look elsewhere

  • Borrowers outside Moldova, who would do better weighing Monzo Flex at 10% to 23% in a market closer to home
  • Applicants who cannot take a hard credit check, since the credit check is hard on every application
  • Anyone who needs a fixed rate to keep the payment steady, because the rate type is variable

Safety and regulation

ECBank is a direct lender, not a broker, so the contract and the decision sit with one institution, and it is regulated by the National Bank of Moldova (Banca Nationala a Moldovei). Its representative example for the Retail Simplu product sets out the monthly payment and the total repayable on a stated loan size and term, with every commission waived.

How ECBank compares

Where ECBank is available

Available
Moldova
Licence in Moldova
National Bank of Moldova (Banca Nationala a Moldovei), checked September 26, 2026

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

Frequently asked questions

What does ECBank charge for setting up a loan?+

The arrangement fee is free and one-off, and the bank lists the monthly administration fee and the application analysis charge as free as well. The origination fee is 0%, and the representative example for Retail Simplu shows every commission charged at nothing.

How much can I borrow from ECBank?+

Loan amounts run MDL 3,000 to MDL 400,000, so the size you can request sits inside the range the bank publishes for the product. The representative example is built on the Retail Simplu loan over a term drawn from 3 to 60, which shows how the monthly payment scales with the amount and the term.

What APR does ECBank charge, and is the rate fixed?+

The APR runs 9.38% to 11.02% on the products listed, and the rate type is variable, so the figure behind your monthly payment can move over the life of the loan. A fixed alternative may suit you better if you would rather keep the payment steady and know the cost in advance.

How long can I take to repay an ECBank loan?+

Terms run 3 to 60. A shorter term keeps each payment higher but cuts the interest you pay overall, while a longer term lowers the monthly figure and stretches the cost. Read both alongside the APR of 9.38% to 11.02% before you apply.

Does ECBank run a credit check?+

Yes, the credit check is hard, so an application brings a full file search rather than a soft prequalification. Hard checks are the norm in the personal loan rankings here, so treat the decision as tied to your file and your documented income.

What kinds of loan does ECBank offer?+

ECBank offers personal, debt consolidation and secured lending, with home improvement listed as a use, plus a credit line option. You can start with a personal loan and move to consolidation, secured or car borrowing if the purpose changes.

Sources

  • ecb.md checked September 26, 2026

    Backs: Support channels

  • ecb.md/retail-simplu/new checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Lender type, Arrangement fee, Origination fee (%), Rate type, Representative example

    “Suma disponibila - intre 3 000 MDL si 400 000 MDL per debitor (Creditul "Retail Simplu")”

  • ecb.md/ro/credite-persoane-fizice checked September 26, 2026

    Backs: Features, Loan types, Term, Use cases

    “Retail Simplu 3 000 - 400 000 suma (lei) 3 - 60 termen (luni) Fara gaj”

  • ecb.md/ro/scurta-istorie checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Licences

    “1992 - BC "EuroCreditBank" S. A. a fost fondat in septembrie a. 1992”

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

Not confirmed yet: Funding time.

ECBank

Moldovan borrowers who want fee-free personal borrowing and a repayment term they choose.

9.2/10See 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