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Online espresso loan
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this credit implies your legal responsibility and must be repaid. Verify your repayment capacity before signing the credit contract.
this credit implies your legal responsibility and must be repaid. Verify your repayment capacity before signing the credit contract.
pre-contractual informationthe amount shown is indicative and does not represent a contractual commitment by maib
about
Take advantage of a promotional rate from 9% and a DAE from 9.38% during the period 01.01.2026 – 31.08.2026.
See details below.
Are you in urgent need of funds? We have the perfect solution for you, which is available just a click away. Now, you can receive an online loan directly on your card in just 5 minutes without any additional visits to the branch. Obtaining financing is easier than you think.
Take advantage of online espresso loan directly from the maibank app and bring your plans to life.
Advantages of online lending
|
Fast approval In just few minutes you have money directly on your card account |
Without real estate collateral Does not require income statement or other complicated documents |
Directly on your card Recieve money directly on your card, without leaving your house |
How can I benefit from the online espresso online on you card?
Open you maibank app and subscribe to credit offer
Sign the loan agreement
Receive the funds directly on your card
If you don’t have maibank app, it’s time to download it and enjoy credit offers just a click away.
The bank loan is a financial product. The amount contracted and the repayment term are negotiated and agreed upon individually between the parties. For the Online Espresso Consumer Loan offered to individuals, a fixed annual interest rate of 9.00% applies. The Annual Percentage Rate (APR) and the Total Cost of the Loan vary depending on the amount and term of the loan.
Representative Example: For a loan amount of 50,000 MDL, a loan term of 60 months, and a fixed annual interest rate of 9.00%, the Total Amount Payable will be 62,579.22 MDL, divided into 60 monthly payments of 1,042.99 MDL each, with an APR of 9,38%.
A loan involves legal responsibility and must be repaid according to the terms agreed upon in the loan contract. Check your repayment capacity before signing the loan agreement.
requirements
You can obtain an online espresso loan if you meet the following requirements:
- You are a citizen of the Republic of Moldova and hold an identity card
- You are between 20 and 70 years old, but will not exceed this age limit at the time of loan repayment
- You are subscribed to the loan offer in the maibank app.
Offers
The online espresso loan is provided without real estate collateral and without the need to justify the use of the borrowed amount, directly through the maibank app.
You can receive the following loan directly on your card:
- up to 400,000 MDL;
- for a term of up to 60 months.
For a loan of 50,000 MDL, granted for a term of 5 years with an APR of 9,38%, the monthly payment will be approximately 1,037.95 MDL.
Enjoy the online espresso consumer Loan from maib and savor every moment!
Check out other attractive online credit offers available instantly.
insurance
Credit protection insurance helps you in unexpected situations that may affect your income, such as losing your job (whether you resigned or were dismissed), long-term medical leave, or other unforeseen circumstances.
In such cases, the insurance company will cover your monthly loan payments, paying up to 9 monthly installments or even the remaining loan balance, depending on the situation.
The insurance is optional and can be activated when taking a new loan or added to an existing one.
Choose the package that suits you
For medical situations that may affect your ability to repay the loan.
- Medical leave: temporary incapacity for work.
- Severe disability: protection in case of serious health issues.
Includes additional protection for more unexpected situations.
- Medical leave: temporary incapacity for work.
- Severe disability: protection in case of serious health issues.
- Loss of employment: financial support in case of loss of income (whether you resigned or were dismissed)
- Death: full protection in case of death.
Credit insurance cost
The insurance cost is calculated as a percentage of the initial loan amount for new loans or the remaining balance for existing loans.
You can choose between two monthly payment packages:
- Basic Package — 0.12% of the loan amount
- Extra Package — 0.23% of the loan amount
Calculation example
For a loan of MDL 50,000, the insurance cost is:
- MDL 60/month for the Basic package
- MDL 115/month for the Extra package
The insurance payment is not included in the loan installment. The insurance premium is paid separately from the account selected for loan and insurance payments.
To ensure successful payments, make sure you have enough funds in the account for both the monthly loan payment and the insurance premium.
Calculate the insurance cost
Enter the loan amount or remaining balance and choose the desired package to see the estimated monthly insurance cost.
Credit insurance calculator
What does the insurance cover
In case of job loss
If you lose your job (whether you resigned or were dismissed), the insurance may cover your monthly loan payments instead of you.
For a single case of job loss, up to 3 consecutive monthly installments may be covered.
Throughout the loan period, the insurance may cover a total of up to 9 monthly installments if multiple job loss events occur.
In case of medical leave
If you are on medical leave for more than 15 days, the insurance may cover your monthly loan payments instead of you.
For a single medical leave case, up to 3 consecutive monthly installments may be covered.
Throughout the loan period, the insurance may cover a total of up to 9 monthly installments if multiple medical leave events occur.
In case of death or severe disability
In the event of death from any cause or severe disability, the insurance pays the remaining loan balance.
The compensation covers the outstanding loan amount, including accrued interest, according to the repayment schedule established by the bank.
Frequently Asked Questions
1. Questions before getting credit insurance
2. What does the insurance cover?
For a single case, up to 3 consecutive monthly installments may be covered.
Throughout the loan period, the insurance may cover a total of up to 9 monthly installments.
Even if you received compensation, you must continue paying for the insurance — this does not mean the insurance policy ends.
For a single case of job loss, up to 3 consecutive monthly installments may be covered.
Throughout the loan period, the insurance may cover a total of up to 9 monthly installments.
Even if you received compensation, you must continue paying for the insurance — this does not mean the insurance policy ends.
The compensation covers the outstanding loan amount, including accrued interest, according to the bank’s repayment schedule, so the financial burden does not remain with your loved ones.
Even if you received compensation, you must continue paying for the insurance — this does not mean the insurance policy ends.
3. How do I receive compensation?
Section: Loans → My Insurance → Report an insurance case.
- Temporary incapacity for work: photo/medical certificate
- Job loss: document confirming termination of employment
- Severe disability: disability certificate issued by the National Council for Disability Determination
- Death: insured event notification form, death certificate, medical reports
- Job loss: after the insurance has been active for at least 30 days and you have been unemployed for another 30 days
- Medical leave: compensation applies if incapacity lasts more than 15 consecutive calendar days
- Severe disability: based on the date of disability determination stated in the official certificate
Loans → My Insurance → Active cases.
4. Insurance cost
- 0.12% for the Basic Package
- 0.23% for the Extra Package
frequent questions
You will be able to access personalized online credit offers, either instantly or with the approval of a bank representative - directly from your phone, anytime and anywhere.
You can subscribe to a loan offer by following the tutorial.
The maximum loan amount available is 400,000 MDL, with a maximum term of 60 months.
You can check the monthly payment schedule directly in the maibank app.
Loan repayments can be made via maibank, TSS, or at maib branches.
To repay a loan early, visit one of the maib branches to carry out the necessary calculations.