Tirana Bank review

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

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Our verdict

Tirana Bank lends directly to Albanian borrowers who want a fixed-rate personal loan spread over a long term. The annual rate runs 9% to 12%, starting below the lenders listed alongside it, and the term stretches to 120 months for anyone who prefers a lower monthly payment.

Key facts

Best for
A long, fixed-rate personal loan in Albania from a direct lender.
APR
9% to 12% (Source, checked September 26, 2026)
Loan amount
€800 to €25,000 (Source, checked September 26, 2026)
Term
120 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Tirana Bank S.A. (Source, checked September 26, 2026)
Headquarters
Albania (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
tiranabank.al

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Tirana Bank S.A. (Source, checked September 26, 2026)
Headquarters
Albania (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • A direct lender, so you deal with the bank that sets the terms rather than a broker.
  • The rate is fixed, so the payment you plan around is the payment you keep.
  • A term of 120 months, ranking high for length at 18 of 232.
  • A band of 9% to 12% that starts below Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23%.

Cons

  • The loan range runs €800 to €25,000, and on amount it ranks 356 of 685, so bigger sums need another lender.
  • Support runs on phone and email only, with no chat or in-app help listed.
  • personal lending is the only type on offer, so there is nothing here to consolidate debts with.

Ready to try Tirana Bank?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in Albania who want a fixed-rate personal loan from a direct lender.
  • Anyone who wants a long repayment window, since the term runs 120 months.
  • People who would rather phone or email than use an app: phone and email.

Who should look elsewhere

  • Borrowers who want a wider rate spread, since Cashspace quotes PHP 12 to PHP 36 and Monzo Flex 10% to 23%.
  • Anyone shopping on the lowest quoted rate, because Cashspace ES lists 0%.
  • People who want a rate that can move, since fixed terms run the whole 120 months with no variable alternative from this bank.

Who runs it

Tirana Bank S.A. is the legal entity behind the lending, and it is based in Albania. The bank was founded in 1996, so the name carries a long history in its home market. Customer contact runs through phone and email, which means questions go to a person on the phone or by email rather than through an app.

How Tirana Bank compares

Where Tirana Bank is available

Available
Albania

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

Frequently asked questions

How much can I borrow from Tirana Bank?+

The loan range runs €800 to €25,000, and personal lending is the only product here, so there is a single figure to plan around. Anything above that range points to a different lender, since no second product widens it.

What rate will I pay?+

The annual rate runs 9% to 12% on a personal loan. The band starts below the starting points of the lenders listed alongside it and does not climb as high as theirs. Because the rate is fixed for the whole term, the monthly figure stays put once the loan starts.

How long do I have to repay the loan?+

The term runs 120 months, which puts this bank near the top of the table for length at 18 of 232. A longer term spreads the same amount over more months, so the payment each month is smaller.

Is the interest rate fixed or variable?+

It is fixed, which is the same as a fixed rate loan. The interest does not follow a market index up and down, so budgeting stays straightforward across the whole term. A variable rate would move your payment, and this one will not.

Do I deal with the bank or with a broker?+

You deal with the bank. Tirana Bank appears as a direct lender under the legal name Tirana Bank S.A., so the agreement runs between you and the lender rather than a middleman. The terms on offer are the terms the bank applies to its own customers.

How do I contact the bank?+

Support runs on phone and email, so a phone call or an email goes straight to the lender. No chat window or in-app messaging is listed, which suits anyone who prefers to talk a decision through. Live chat and app support sit with other lenders on this page.

Is Tirana Bank an established lender?+

The bank is based in Albania and was founded in 1996, so the lending name has been around for a good number of years. It lends as a direct lender in its own name, which means the borrower and the bank are the two parties to the agreement.

Sources

  • en.wikipedia.org/wiki/Tirana_Bank checked September 26, 2026

    Backs: Legal entity

    “thebanks.eu: Tirana Bank S.A.”

  • tiranabank.al checked September 26, 2026

    Backs: Support channels

    “InfoBank +35542277700, 0800 68 68, callcenter@tiranabank.al”

  • tiranabank.al/c/16/banka-jone checked September 26, 2026

    Backs: Founded, Headquarters

    “Tirana Bank është banka e parë me kapital tërësisht privat në Shqipëri. Ajo u themelua në vitin 1996”

  • tiranabank.al/d/186/kredia-konsumatore-e-pasiguruar checked September 26, 2026

    Backs: Loan amount, APR, Lender type, Loan types, Pricing model, Rate type, Term

    “Kredia Konsumatore e Pasiguruar - Shuma e financimit: Minimum: 100,000 ALL / 800 EUR, Maksimum: 3,000,000 ALL/ 25,000 EUR”

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

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

Related by the facts

Tirana Bank

A long, fixed-rate personal loan in Albania from a direct lender.

9.1/10See alternatives

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