Personal loans

Get up to ALL 4,000,000,
100% online; no guarantor required.

Enjoy instant in-app application, total payment clarity from day one, and a transparent process with no hidden costs.

Why get loans with Jet Bank

Loans designed for you

Jet Bank cuts out the slow, paperwork-heavy process that traditional banks built their reputation on. What you get instead is fast, clear and entirely in your hands.

Digital approval

Open the app, submit your application and get a real decision within minutes. From application to approval to disbursement, everything happens digitally

Jet Start or Jet Power

Get financing with Jet Start for smaller needs or Jet Power for larger amounts. Startingfrom ALL 25,000 or EUR 250 up to ALL 4,000,000 or EUR 40,000, depending on your needs.

Fixed interests rates

You'll always know exactly what you're paying and why. Rates are clear, and terms are simple. Just a clear number you can plan around.

Up to 10 years repayment

Choose a repayment term that fits your life. Select a repayment term of up to 10 years, depending on the loan amount, currency, and Bank's approval.

No co-borrower required

You can now apply independently with ease and take full control of your borrowing journey. Jet Bank Consumer Loan does not require a co-borrower.

Funds directly credited

Once approved and signed, the loan is disbursed directly into your Jet Bank Current Account in the same currency as the loan.

Consumer Loan Example

Loan amount: ALL 300.000‍

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Loan term: 60 months

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Interest: The loan interest rate is fixed at 13,05% throughout the entire loan term. The interest rate is not subject to review and is not linked to any market index or reference rate.

For a loan amount of ALL 300.000, with a term of 60 months, the interest rate is 13,05%, while the APR / NEI is 13,95%.

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Loan installment: The monthly installment is ALL 6.833,60, payable every month, and includes principal + interest, according to the loan amortization schedule.

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Disbursement fee: At the moment of loan disbursement, a disbursement fee of 2% of the loan amount is applied, equal to ALL 6.000.

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The total amount payable for the loan of ALL 300.000 is approximately ALL 416.016,18.

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This amount includes:

Principal: ALL 300.000
Total interest: ALL 116.016,18
Disbursement fee: ALL 6.000

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Borrowing in a currency different from the currency in which your income is generated carries significant risks. For example, if your income is in Albanian lek and you take a loan in euro, an increase in the euro exchange rate may affect your ability to repay the loan, as the value of the installment would increase. These difficulties could lead to failure to repay the loan.

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Caution! Borrowing money costs money. Make sure you are fully informed before making a decision.

Loans FAQs

Here’s everything you need to know before you get a loan on Jet Bank.

1. What is the Jet Bank Consumer Loan?

The Jet Bank Consumer Loan is a personal loan with monthly repayments, designed for individual customers who need financing for personal needs.
You can use it for everyday life needs such as purchases, home improvements, travel, education, healthcare, technology, family expenses, or other personal purposes. It is not intended for business, commercial, or professional use.

2. How much can you borrow?

You can borrow up to:
- ALL 4,000,000
- EUR 40,000

‍The approved amount depends on your application, income, repayment capacity, credit history, existing obligations, risk assessment, and the Bank’s lending criteria.The Bank may approve a lower amount than the one requested if this better matches your repayment capacity.

3. What is the minimum loan amount?

The minimum loan amount is:
- ALL 25,000
- EUR 250

‍The selected amount must be within the minimum and maximum limits applicable to the selected loan option.

4. What is the maximum repayment period?

The loan can be repaid over a period of up to 10 years. The available tenor may depend on the loan amount, currency, customer profile, repayment capacity, and Bank approval. Before accepting the loan, you will see the approved tenor and monthly instalment clearly.

5. Interest rates and what do you need to know for Jet Loan?

Here is all the important information you need to understand the Jet Loan, including interest rates and key borrowing details. Please review the documents below for full transparency and complete loan conditions.

Consumer Loan Terms & Conditions Pre-Contractual Information Pre-Contractual Information Template