maib review

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

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Our verdict

maib is a Moldovan lender that suits borrowers who want a bank dealing with them directly, with loans of MDL 5,000 to MDL 400,000 and fixed pricing that holds for the whole term. A hard credit check and a property requirement above the larger amounts keep it out of reach for thin files.

Key facts

Best for
Fast, fixed-rate borrowing for salaried Moldovan borrowers who want money the same day.
APR
9.7% to 33.18% (Source, checked September 26, 2026)
Loan amount
MDL 5,000 to MDL 400,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Approval from 30 minutes; money on card within 3 minutes after signing the contract (Source, checked September 26, 2026)
Representative example
Espresso consumer loan loyalty rate fixed at 9.30% p.a.; for 50,000 lei over 60 months the effective annual interest (DAE) is 9.7% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Age 20 to 70; official monthly salary or confirmed income, or international money transfers, or positive credit history; owned real estate required above 200,000 lei (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Secured, Credit-line, BNPL, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
BC "MAIB" SA (Source, checked September 26, 2026)
Headquarters
Moldova (Source, checked September 26, 2026)
Founded
1991 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
maib.md

Mortgages

Initial rate
7.95% (Source, checked September 26, 2026)
APRC
9.71% (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Product fee
MDL 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
BC "MAIB" SA (Source, checked September 26, 2026)
Headquarters
Moldova (Source, checked September 26, 2026)
Founded
1991 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaXLinkedInir.maib.md

Pros and cons

Pros

  • Pricing is fixed across a 12 to 60 term, so the instalment does not move with the market.
  • The Espresso loyalty rate sits at the cheap end of 9.7% to 33.18%, under the site median of 12%.
  • The mortgage product fee is MDL 0, and borrowing can reach 100% of the property value.
  • Support runs on email, chat and phone, so help is available by phone, chat, email and the help centre.

Cons

  • A hard credit check on every application, hard, leaves a mark on the file.
  • The rate range is wide at 9.7% to 33.18%, and a borrower landing at the top pays far above the loyalty rate.
  • Real estate must be owned above a set amount under the eligibility rules, which caps renters at the smaller sums.
maib

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Salaried Moldovan borrowers with a confirmed monthly income who would rather deal with a lender that lends directly, as maib is a direct lender.
  • Homebuyers and remortgagers, since purchase, remortgage and first time buyer are all covered with borrowing up to 100% of the property.
  • Borrowers who can absorb a hard credit check and want the rate to hold for the full 12 to 60 term.

Who should look elsewhere

  • Cashspace quotes PHP 12 to PHP 36, a tighter band, so a borrower who values a narrow spread more than a Moldovan loan may prefer it.
  • Monzo Flex lends at 10% to 23%, with a ceiling under the top of maib's 9.7% to 33.18%, for anyone wanting less rate variation.
  • Cashspace ES lists 0%, so it competes on the headline rate rather than on the MDL 5,000 to MDL 400,000 spread.

How maib compares

Where maib is available

Available
Moldova

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

Frequently asked questions

What rate will I pay on a maib loan?+

The worked example on the Espresso consumer loan quotes a loyalty rate whose effective annual interest, shown as the DAE, sits at the cheap end of the published 9.7% to 33.18% range. Pricing is fixed, so the figure you are offered holds across the whole repayment over 12 to 60.

How much can I borrow?+

Loans are available in amounts of MDL 5,000 to MDL 400,000, a wide spread for a personal borrower. Borrowing above a set threshold pulls in a requirement to own real estate, so renters are held to the smaller sums. The same range covers personal, consolidated and business borrowing.

How quickly do I get the money?+

Speed is a genuine strength here. Approval can arrive within a short session, and money reaches the card shortly after the contract is signed. The same-day funding feature, same day funding, reflects that, and as a direct lender the decision and the payout both sit with the bank.

What credit check is applied?+

Every application is treated as a hard credit check, hard, so a search is recorded against your file whether or not you take the loan. Eligibility also asks for a minimum age, an official salary or confirmed income, or international money transfers, or a positive credit history.

What kinds of loan does maib offer?+

The range covers personal, debt consolidation and secured, so personal money, debt consolidation, secured borrowing, a revolving credit line, buy now pay later and business lending all sit with one lender. Home lending is handled separately in the mortgage range.

Is there a fee to pay?+

The mortgage product fee is MDL 0, so there is nothing at that line for a home loan. The Espresso consumer loan is priced on its rate, and the worked example places the effective annual interest at the bottom of the published range.

How do I get help when something goes wrong?+

Support covers email, chat and phone, so the bank can be reached by phone, chat, email or the help centre. maib has lent since 1991 as BC "MAIB" SA, based in Moldova, and an established bank is part of the case for returning for repeat borrowing.

Can I borrow for a home?+

Yes, on a separate mortgage range. The initial rate is 7.95% with an annual percentage rate of 9.71%, and borrowing can go to 100% of the property value. purchase, remortgage and first time buyer are all covered, so a purchase, a remortgage and a first home are handled by the same bank.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

maib

maib

Fast, fixed-rate borrowing for salaried Moldovan borrowers who want money the same day.

9.2/10See alternatives

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