Eximbank review

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

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Our verdict

Eximbank lends its own money in Moldova at a fixed rate of 9.9%, with borrowing running MDL 30,000 to MDL 200,000 over terms of 6 to 60. It suits salaried borrowers wanting a set monthly payment with an origination fee of 0%, and the rate sits under the 12% median on the site.

Key facts

Best for
Fixed-rate loans in Moldova with an origination fee of 0% and terms of 6 to 60.
APR
9.9% (Source, checked September 26, 2026)
Loan amount
MDL 30,000 to MDL 200,000 (Source, checked September 26, 2026)
Term
6 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0% (Source, checked September 26, 2026)
Funding time
Quick loan approval (Source, checked September 26, 2026)
Representative example
9.90% EAR on a 100,000 MDL loan over 36 months, monthly payment 3,202.46 MDL, total cost 115,303 MDL (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Age 21-68 at final repayment date, minimum salary 7,000 MDL, at least 4 months in current job and 6 months work experience (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
BC EXIMBANK SA (Source, checked September 26, 2026)
Headquarters
Moldova (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
eximbank.md

Apps and profiles

Get the app
App Store
Elsewhere
youtube.com

Pros and cons

Pros

  • The origination fee is 0% on personal and debt consolidation loans.
  • A fixed rate of 9.9% keeps the monthly payment steady across 6 to 60.
  • A direct lender in Moldova, lending since 1994, with support on email and phone.

Cons

  • The APR of 9.9% sits above the 6.13% lower end of the field, so cheaper offers exist on the site.
  • Borrowing starts high, since the range is MDL 30,000 to MDL 200,000, so small sums fall out of reach.
  • Eligibility asks for a waiting period in the current job and a minimum salary, which can count against a recent job move.
Eximbank

Ready to try Eximbank?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Salaried borrowers in Moldova who want a set monthly payment.
  • People consolidating several balances into a single fixed-rate loan.
  • Homeowners funding renovation through an instalment plan.

Who should look elsewhere

  • Monzo Flex: its APR runs 10% to 23%, a different band from the fixed 9.9% here.
  • Cashspace: its APR runs PHP 12 to PHP 36, so the rate bands are worth weighing before settling on a Moldovan lender.
  • Cashspace ES: worth a look for anyone chasing the 0% rate shown on the page.

How Eximbank compares

Where Eximbank is available

Available
Moldova
Licence in Moldova
National Bank of Moldova (BNM), checked September 26, 2026

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

Frequently asked questions

What rate does Eximbank charge on a personal loan?+

Eximbank lends at a fixed rate of 9.9%, so the payment does not move during the term. Loans run MDL 30,000 to MDL 200,000 with terms of 6 to 60. The rate sits below the 12% median on the site, though it is above the 6.13% lower end.

What fees are charged on an Eximbank loan?+

The origination fee is 0% and the fee percentage is 0%, so the setup cost on the published terms is nil. Eximbank is a direct lender, which means the loan comes straight from the bank rather than through a broker.

How much can I borrow and over what term?+

Borrowing runs MDL 30,000 to MDL 200,000 and terms run 6 to 60, a range that suits a renovation budget more than a small emergency cash need. The same facility covers personal and debt consolidation lending, so several balances can be cleared into a single fixed-rate loan.

Who regulates Eximbank?+

The bank is supervised by the National Bank of Moldova. Eximbank is a direct lender headquartered in Moldova, in business since 1994, and the personal credit product is issued by BC EXIMBANK SA under the published criteria.

Who can apply for an Eximbank loan?+

Applicants need a minimum age, a minimum salary and a waiting period in the current job, plus a minimum amount of work experience, so a recent job move can weigh against an application. Loans are then priced at the fixed 9.9%.

How quickly does Eximbank fund a loan?+

The published funding speed is Quick loan approval, so approval is quick on paper. The fixed rate of 9.9% then runs for the whole term, with no introductory rate that later resets. Repayment terms run 6 to 60.

How can I contact Eximbank about a loan?+

Support runs on email and phone, so you can reach the bank by email or phone. No live chat or branch counter appears in those channels, which matters if you would rather put a question in writing and keep the record.

How does Eximbank rank for cost against other lenders?+

The cost score is 6.6 and the overall score is 6.6. On APR the brand ranks 152 out of 350 brands, so it sits in the middle of a wide field rather than near either end.

Sources

  • eximbank.md/about checked September 26, 2026

    Backs: Founded, Headquarters, Lender type

    “Banca a fost fondata in anul 1994, data oficiala de constituire a bancii fiind considerata 29 aprilie 1994”

  • eximbank.md/conformitate checked September 26, 2026

    Backs: Licences

  • eximbank.md/en/credit/credit-personal checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Legal entity, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Term, Use cases

    “The amount From 30 000 MDL to 200 000 MDL/ per customer or 500 000 MDL/ per family”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Eximbank

Eximbank

Fixed-rate loans in Moldova with an origination fee of 0% and terms of 6 to 60.

9.1/10See alternatives

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