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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
This product can be accessed via maibank or by calling 022 023 083.
Sometimes, in the most unexpected moment, you are put in the situation of finding urgent solutions. Whether the refrigerator has broken down, the car needs repair or other unforeseen expenses have arisen, maib always supports you and offers you the right financing, which helps you solve any financial issue quickly, easily and affordably.
Why choose maib consumer loan?
- we offer you a fixed interest rate, and the conditions will remain unchanged throughout the contract;
- we will make sure that the amount you reimburse monthly does not affect your budget for personal or family needs;
- you will know the effective annual interest rate (EAR) from the beginning. This is the final percentage that forms the cost of the monthly instalments.
More accessible, simple and adapted to your needs. It is now very easy to receive the required amount:
- fill-in the online application in 3 minutes (ID info, income, phone number);
- we approve your loan in about 30 minutes (you will receive the approval by phone call);
- you receive the money on the card 3 minutes after signing the contract.
You can also choose to visit us at maib. To save time, follow these steps:
- download and access the Earlyone application;
- select the city, branch, the service you need, the date and time of the visit;
- you will receive the electronic ticket with a special code;
- enter the special code at the terminal in the branch and you will receive the electronic ticket for the requested banking service;
- at the scheduled time you will be consulted by a maib specialist.
Do you need money urgently?The online espresso loan through the maibank app is your quick and convenient solution!
The loan granted by the bank is a banking product. The loan amount and repayment term are negotiated and agreed individually between the parties.
For the Espresso Fidelizare consumer loan offered to individuals, a fixed annual interest rate of 9.00% applies.
Representative example: For a MDL 50,000 loan granted for 60 months and issued offline (at a branch) with an annual interest rate of 9.30%, the Annual Percentage Rate (APR) is 9.7%. For a MDL 50,000 loan granted for 60 months and issued online (via maibank) with an annual interest rate of 9.30%, the Annual Percentage Rate (APR) is also 9.7%.
A loan is a legal financial commitment and must be repaid in accordance with the terms and conditions set out in the loan agreement. Please assess your repayment capacity before signing the loan agreement.
requirements
Apply for the consumer loan if you are between 20 and 70 years old and meet one of the following requirements:
- have a official monthly salary or a confirmed income;
- or you receive international money transfers;
- or you have a positive credit history;
- you have a real estate asset, if the amount exceeds 200,000 lei.
deals
The Espresso loan is granted without real estate collateral and without the need to justify how the borrowed funds will be used. You receive a card with the loan amount immediately
You receive your salary on a maib card:
- up to 400 000 MDL;
- for a period of up to 60 months.
For a MDL 50,000 loan granted for a 5-year term with an Annual Percentage Rate (APR) of 9.70%, your monthly payment will be approximately MDL 1,045.42.
You receive your salary on a card issued by another bank or in cash:
- up to 400 000 MDL;
- for a period of up to 60 months.
For a MDL 50,000 loan granted for a 5-year term with an Annual Percentage Rate (APR) of 11.01%, your monthly payment will be approximately MDL 1,074.94.
You receive your salary on a card issued by another bank or in cash and have a positive credit history:
- up to 400 000 MDL;
- for a period of up to 60 months.
For a MDL 50,000 loan granted for a 5-year term with an Annual Percentage Rate (APR) of 9.70%, your monthly payment will be approximately MDL 1,045.42.
The terms are even more attractive for maib customers. Would you like to benefit from them too?
Apply for a gama universal card at gama.maib.md, transfer your salary to this card for 6 consecutive months through the maibank mobile app, and you will receive our best offer.
If your income comes from sources other than salary and you're wondering how to obtain a loan, we understand your needs. That's why we have created several lending options based on trust. You can now obtain a loan tailored to your needs if you have previously used other loans and repaid them on time.
You have a positive credit history:
- up to 60 000 MDL;
- for a period of up to 60 months.
For a loan of 20 thousand MDL, for 5 years, you will pay approximately 633.41 MDL per month, with an EAR of 33.18%.
If your loved ones help you and transfer money from abroad, you can get a loan designed especially for you.
You receive international money transfers:
- up to 100 000 MDL;
- for 5 years;
For a loan of 25 thousand MDL, for 5 years, you will pay approximately 762.24 MDL per month, with an EAR of 30.61%.
The money must be received via money transfer systems (WU, Unistream, etc.) or SWIFT and transferred to a maib account. To receive a loan, you must have made at least 3 transfers via maib or t2c.maib.md in different months in the last 6 months of at least 200 EUR or the equivalent in another currency, including a mandatory transfer in the last 31 calendar days.
For more information, call the Contact Center at 1313.
Choose the espresso consumer loan from maib, you will surely like it!
required documents
It’s simple – all you need is an ID card.
The bank reserves the right to request additional documents regarding your income in order to meet the prudential requirements specific to banking.
frequent questions
There are 5 ways to pay the monthly instalments:
- through the maibank mobile application;
- through internet banking;
- at Cash-In ATMs;
- at self-service terminals;
- in any branch of the bank.
Yes, the money must be received through money transfer systems (Western Union, Unistream, etc.) or SWIFT. To receive a loan you must benefit from at least 3 transfers through maib or www.t2c.maib.md during different months, in the last 6 months, of at least 200 euros or the equivalent in another currency.
You can apply online, completing the application in just 2-3 minutes.
You can benefit from a pre-approved credit directly from the maibank application:
- open the application and check the available amount in the loan category;
- click on the "take the money" button;
- select the amount and the crediting period;
- click on the "receive money" button and follow the steps in the application.
Subscription to the credit offer:
- Go to the app menu at the bottom of the screen,
press the button "check which credit offer you can receive" - Subscribe for free to the "credit offer" service
- The offer will be available in the main menu shortly
Credit offer selection:
- Access the maibank app and click on the available credit offer.
- In a few moments you will receive the offer with the maximum amount available.
- Choose the amount you need and the loan repayment period.
- Choose the card you want to receive the money on.
- In a few minutes, the requested amount is transferred to the account.