Virtus Lending SH.A. review

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

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Our verdict

Virtus Lending SH.A. is a direct lender based in Albania for car buyers who want cash the same day, with loans of up to ALL 1,200,000 and terms of up to 84. It suits applicants who have already chosen a car, with help by phone, email or the help centre.

Key facts

Best for
Same-day car finance for buyers who have already chosen the vehicle and want to deal with a direct lender.
Loan amount
up to ALL 1,200,000 (Source, checked September 26, 2026)
Term
up to 84 months (Source, checked September 26, 2026)
Funding time
Response within 30 minutes by phone (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Over 25 years old, valid ID card, must have chosen a car (Source, checked September 26, 2026)
Loan types
Car, Secured (Source, checked September 26, 2026)
Legal entity
Virtus Lending SH.A. (Source, checked September 26, 2026)
Headquarters
Albania (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
bankofalbania.org

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Lends car and secured itself as a direct lender, so no broker sits in the middle
  • Same-day funding, with Response within 30 minutes by phone on a phone call
  • Loans of up to ALL 1,200,000 over terms of up to 84 cover larger vehicle purchases
  • Support runs on email, phone and help centre once the deal is under way

Cons

  • The book is narrow: car and secured only, so borrowers wanting another purpose find nothing here
  • Entry rules are firm, with a minimum age, a valid ID card and a car already chosen
  • Terms end at up to 84, so anyone wanting a longer repayment has to look elsewhere
Virtus Lending SH.A.

Ready to try Virtus Lending SH.A.?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Car buyers who have already chosen their vehicle and want a same-day payout
  • Applicants past a minimum age with a valid ID card who prefer to talk the deal through by phone
  • Borrowers who want a direct lender and email, phone and help centre rather than a broker's desk

Who should look elsewhere

  • Readers after a euro loan: Sofkredit offers €12,000 to €300,000
  • Anyone without a car already chosen, or wanting a purpose outside car and secured
  • Borrowers after a peso-denominated loan: Solcredito MX offers up to MXN 100,000

How Virtus Lending SH.A. compares

Where Virtus Lending SH.A. is available

Available
Albania

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

Frequently asked questions

How much can I borrow from Virtus Lending SH.A.?+

Loans run to up to ALL 1,200,000, with terms of up to 84. The book covers car and secured, and eligibility requires a car to have been chosen already, so the money is aimed at a vehicle purchase rather than general spending. For scale, the site's typical car loan amount is €1,058.76.

How quickly does the money arrive?+

Funding runs on the same day, listed under same day funding, with Response within 30 minutes by phone. Speed is the main draw for buyers who have settled on their car and want to complete the purchase without a long wait between application and payout.

Who can apply?+

Applicants need a minimum age, a valid ID card and a car already chosen. The lender sits in AL and is listed as a direct lender, so the same company handles the application from start to payout, and questions can go through email, phone and help centre.

What kinds of loan are on offer?+

The range is car and secured loans, centred on buying a vehicle. The term reaches up to 84, which fits a car repayment schedule, and the car itself underpins the deal. Borrowers after debt consolidation, a credit line or a cash advance will not find them in this book.

How can I get help or ask questions?+

Support runs on email, phone and help centre only, so contact goes by email, phone or the help centre, with no live chat listed. The phone route is the one tied to pace, with Response within 30 minutes by phone for applicants chasing a reply on an application already in progress.

Who am I dealing with?+

The company behind the loans is Virtus Lending SH.A., a direct lender rather than a broker. That matters because the terms, the decision and the payout all sit with the same firm, and email, phone and help centre reaches the people who set the deal.

How do these loans compare with the wider car loan market?+

Terms of up to 84 and loans of up to ALL 1,200,000 sit in the same territory as the wider car loan market, where the median term is 60 and the median amount €1,058.76. What sets this lender apart is the pace of the payout rather than the size of the deal.

Sources

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

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

Virtus Lending SH.A.

Virtus Lending SH.A.

Same-day car finance for buyers who have already chosen the vehicle and want to deal with a direct lender.

9.2/10See alternatives

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