Unsecured consumer loans

Choose in your favour. Choose OTP Bank

Without pledge

and without justification of expenditure

Up to 450 000 lei

per family*

ZERO commisions

for granting and file analysis

You work in the IT sector or Government Institutions and receive your salary on OTP Bank card

Client category
Amount 2000 350000
Term 6 Months 60 Months

Calculate the monthly rate

The accuracy of this calculator's data and its applicability to your particular case is not guaranteed. For accurate information and a personalised calculation, please visit any branch of the bank.

Monthly payment

343.65 MDL

Annual interest rate

9.99 %

Effective annual interest rate

10.36 %

Sample calculation: For an unsecured personal loan of 100,000 lei with a floating interest rate of 9.99% for a term of 60 months, the APR (Annual Percentage Rate of Interest) is 10.47%.

Unsecured loan with online application

Whether you want to renovate your home, buy a car or you simply need money, at OTP Bank we offer you the support you need. Apply today and receive your decision in less than 5 minutes.*

  • Online application
  • Fast approval*
  • Without pledge and justification of expenses**
  • Wide range of incomes accepted

*The approval period may depend on the amount/complexity of the credit file and the interest rate may depend on both the amount of credit and the category of customer.

**If the information on the applicant's income from the State Tax Service database is inconclusive or missing, it will be necessary to submit additional confirmatory documents. For an amount greater than 200,000 lei, confirmation of ownership of real estate will be required and a third party guarantor may be required. Bank warns consumers about the responsibility to repay loans.

Useful information


- Maximum amount financed: up to 450 000 MDL, per family
- Loan period: from 6 to 60 months
- Floating interest rate for the whole loan period

How can you apply for credit?

  1. Come into any branch or contact us on +373 22 256 456 and request an appointment with a bank advisor
  2. Apply online in 5 easy steps:

Step 1: Access the credit calculator
Step 2: Choose the amount, credit period and click on the "Apply online" button
Step 3: Fill in the form with the requested personal details
Step 4: Wait for a call from our advisor to clarify some details and get pre-approved for credit
Step 5: Come to the bank to sign the credit agreement and take the money

Eligibility criteria

- You are a citizen of the Republic of Moldova and have a residence visa in the Republic of Moldova
- You are between 18 and 65 years old
- You are officially employed in the Republic of Moldova and have worked for at least 4 months with your current employer

Accepted income sources

- Income from salaries
- Other income which is of a permanent nature and can be confirmed

Required documents

- Identity card (original)
- Credit application
- Account statement and/or other supporting documents regarding income received
- Other documents requested by the bank, if necessary

Current offer