022 500 200
| Monthly payment 8 897.78 lei | DAE 12.68 % | Interest rate 12 % | The total amount of the loan 533 867 lei | |||
|---|---|---|---|---|---|---|
| Repayment of interest | Payment of commissions | Credit reimbursement | Credit balance | Data | Monthly payment | |
| 0 | 400000 | 14.11.2026 | 400000 | |||
| 1 | 4 000.00 | 0.00 | 4 897.78 | 395 102.22 | 14.12.2026 | 8 897.78 |
| 2 | 3 951.02 | 0.00 | 4 946.76 | 390 155.46 | 14.01.2027 | 8 897.78 |
| 3 | 3 901.55 | 0.00 | 4 996.23 | 385 159.23 | 14.02.2027 | 8 897.78 |
| 4 | 3 851.59 | 0.00 | 5 046.19 | 380 113.04 | 14.03.2027 | 8 897.78 |
| 5 | 3 801.13 | 0.00 | 5 096.65 | 375 016.39 | 14.04.2027 | 8 897.78 |
| 6 | 3 750.16 | 0.00 | 5 147.62 | 369 868.77 | 14.05.2027 | 8 897.78 |
| 7 | 3 698.69 | 0.00 | 5 199.09 | 364 669.68 | 14.06.2027 | 8 897.78 |
| 8 | 3 646.70 | 0.00 | 5 251.08 | 359 418.60 | 14.07.2027 | 8 897.78 |
| 9 | 3 594.19 | 0.00 | 5 303.59 | 354 115.01 | 14.08.2027 | 8 897.78 |
| 10 | 3 541.15 | 0.00 | 5 356.63 | 348 758.38 | 14.09.2027 | 8 897.78 |
| 11 | 3 487.58 | 0.00 | 5 410.20 | 343 348.18 | 14.10.2027 | 8 897.78 |
| 12 | 3 433.48 | 0.00 | 5 464.30 | 337 883.88 | 14.11.2027 | 8 897.78 |
| 13 | 3 378.84 | 0.00 | 5 518.94 | 332 364.94 | 14.12.2027 | 8 897.78 |
| 14 | 3 323.65 | 0.00 | 5 574.13 | 326 790.81 | 14.01.2028 | 8 897.78 |
| 15 | 3 267.91 | 0.00 | 5 629.87 | 321 160.94 | 14.02.2028 | 8 897.78 |
| 16 | 3 211.61 | 0.00 | 5 686.17 | 315 474.77 | 14.03.2028 | 8 897.78 |
| 17 | 3 154.75 | 0.00 | 5 743.03 | 309 731.74 | 14.04.2028 | 8 897.78 |
| 18 | 3 097.32 | 0.00 | 5 800.46 | 303 931.28 | 14.05.2028 | 8 897.78 |
| 19 | 3 039.31 | 0.00 | 5 858.47 | 298 072.81 | 14.06.2028 | 8 897.78 |
| 20 | 2 980.73 | 0.00 | 5 917.05 | 292 155.76 | 14.07.2028 | 8 897.78 |
| 21 | 2 921.56 | 0.00 | 5 976.22 | 286 179.54 | 14.08.2028 | 8 897.78 |
| 22 | 2 861.80 | 0.00 | 6 035.98 | 280 143.56 | 14.09.2028 | 8 897.78 |
| 23 | 2 801.44 | 0.00 | 6 096.34 | 274 047.22 | 14.10.2028 | 8 897.78 |
| 24 | 2 740.47 | 0.00 | 6 157.31 | 267 889.91 | 14.11.2028 | 8 897.78 |
| 25 | 2 678.90 | 0.00 | 6 218.88 | 261 671.03 | 14.12.2028 | 8 897.78 |
| 26 | 2 616.71 | 0.00 | 6 281.07 | 255 389.96 | 14.01.2029 | 8 897.78 |
| 27 | 2 553.90 | 0.00 | 6 343.88 | 249 046.08 | 14.02.2029 | 8 897.78 |
| 28 | 2 490.46 | 0.00 | 6 407.32 | 242 638.76 | 14.03.2029 | 8 897.78 |
| 29 | 2 426.39 | 0.00 | 6 471.39 | 236 167.37 | 14.04.2029 | 8 897.78 |
| 30 | 2 361.67 | 0.00 | 6 536.11 | 229 631.26 | 14.05.2029 | 8 897.78 |
| 31 | 2 296.31 | 0.00 | 6 601.47 | 223 029.79 | 14.06.2029 | 8 897.78 |
| 32 | 2 230.30 | 0.00 | 6 667.48 | 216 362.31 | 14.07.2029 | 8 897.78 |
| 33 | 2 163.62 | 0.00 | 6 734.16 | 209 628.15 | 14.08.2029 | 8 897.78 |
| 34 | 2 096.28 | 0.00 | 6 801.50 | 202 826.65 | 14.09.2029 | 8 897.78 |
| 35 | 2 028.27 | 0.00 | 6 869.51 | 195 957.14 | 14.10.2029 | 8 897.78 |
| 36 | 1 959.57 | 0.00 | 6 938.21 | 189 018.93 | 14.11.2029 | 8 897.78 |
| 37 | 1 890.19 | 0.00 | 7 007.59 | 182 011.34 | 14.12.2029 | 8 897.78 |
| 38 | 1 820.11 | 0.00 | 7 077.67 | 174 933.67 | 14.01.2030 | 8 897.78 |
| 39 | 1 749.34 | 0.00 | 7 148.44 | 167 785.23 | 14.02.2030 | 8 897.78 |
| 40 | 1 677.85 | 0.00 | 7 219.93 | 160 565.30 | 14.03.2030 | 8 897.78 |
| 41 | 1 605.65 | 0.00 | 7 292.13 | 153 273.17 | 14.04.2030 | 8 897.78 |
| 42 | 1 532.73 | 0.00 | 7 365.05 | 145 908.12 | 14.05.2030 | 8 897.78 |
| 43 | 1 459.08 | 0.00 | 7 438.70 | 138 469.42 | 14.06.2030 | 8 897.78 |
| 44 | 1 384.69 | 0.00 | 7 513.09 | 130 956.33 | 14.07.2030 | 8 897.78 |
| 45 | 1 309.56 | 0.00 | 7 588.22 | 123 368.11 | 14.08.2030 | 8 897.78 |
| 46 | 1 233.68 | 0.00 | 7 664.10 | 115 704.01 | 14.09.2030 | 8 897.78 |
| 47 | 1 157.04 | 0.00 | 7 740.74 | 107 963.27 | 14.10.2030 | 8 897.78 |
| 48 | 1 079.63 | 0.00 | 7 818.15 | 100 145.12 | 14.11.2030 | 8 897.78 |
| 49 | 1 001.45 | 0.00 | 7 896.33 | 92 248.79 | 14.12.2030 | 8 897.78 |
| 50 | 922.49 | 0.00 | 7 975.29 | 84 273.50 | 14.01.2031 | 8 897.78 |
| 51 | 842.73 | 0.00 | 8 055.05 | 76 218.45 | 14.02.2031 | 8 897.78 |
| 52 | 762.18 | 0.00 | 8 135.60 | 68 082.85 | 14.03.2031 | 8 897.78 |
| 53 | 680.83 | 0.00 | 8 216.95 | 59 865.90 | 14.04.2031 | 8 897.78 |
| 54 | 598.66 | 0.00 | 8 299.12 | 51 566.78 | 14.05.2031 | 8 897.78 |
| 55 | 515.67 | 0.00 | 8 382.11 | 43 184.67 | 14.06.2031 | 8 897.78 |
| 56 | 431.85 | 0.00 | 8 465.93 | 34 718.74 | 14.07.2031 | 8 897.78 |
| 57 | 347.19 | 0.00 | 8 550.59 | 26 168.15 | 14.08.2031 | 8 897.78 |
| 58 | 261.68 | 0.00 | 8 636.10 | 17 532.05 | 14.09.2031 | 8 897.78 |
| 59 | 175.32 | 0.00 | 8 722.46 | 8 809.59 | 14.10.2031 | 8 897.78 |
| 60 | 88.10 | 0.00 | 8 809.68 | 0.00 | 14.11.2031 | 8 897.78 |
Do you need a loan?
Aplică
According to the requirements of law no.133 of 08.07.2011. on the protection of personal data, the Bank, acting as controller/operator of the Center for personal data protection under no.0000116, guarantees the administration of personal data, provided by the applicant for the loan, in compliance with the security regime, confidentiality and directly for the purposes declared by him. The applicant for the loan declares that he recognizes and accepts the conditions, grounds and terms of processing personal data within the meaning of Law no.133 of 08.07.2011. on the protection of personal data, including related to the rights and obligations, which are incumbent on him according to the nominated law, and by ticking the box below, he freely, expressly and unconditionally expresses his consent to: accessing, processing and verification by the Bank of personal data, as well as information, presented both by the applicant for the loan and obtained by the bank through external information sources (on-line applications and public databases), in order to take, provided by the legislation in force until the conclusion of a credit agreement, in compliance with the security and confidentiality regime. The applicant undertakes to inform the third parties, which will be indicated in this application, that their personal data will be provided to the Bank, in order to take the necessary measures for the conclusion of the credit agreement between the applicant and BC EuroCreditBank S.A.
The “Simplu Express” Loan is suitable for personal expenses, urgent needs, or short-term plans, offering quick access to funds with no collateral and a simplified application process.
Loan Purpose
- personal consumption and current expenses;
- refinancing existing loans from other financial institutions.
Available Amount
- from 3,000 MDL to 400,000 MDL per borrower.
Loan Term
- up to 36 months for amounts up to 50,000 MDL;
- up to 60 months for amounts exceeding 50,000 MDL.
Grace Period
- No grace period applies.
Repayment Method
- Payments are made monthly, on the date specified in the contract.
- Repayment schedule type: annuity.
Collateral and Repayment Assurance
- unsecured loan (no collateral required);
- third-party guarantor may be requested, if necessary.
In order to apply for the loan, the applicant must meet the following conditions:
Applicant profile
- must be a citizen of the Republic of Moldova;
- must have permanent residency within the territory of the Republic of Moldova;
- must be between 21 and 70 years old (the loan must be fully repaid before reaching this age).
Financial Situation
The applicant must have permanent and stable income, confirmed by supporting documents. The following income sources are accepted:
- monthly salary (minimum employment history: 6 months);
The applicant must also:
- comply with the maximum allowable debt-to-income ratio;
- have no active overdue liabilities with other financial institutions.
- For loans up to 50,000 MDL, a fixed rate applies for the entire lending period.
- For loans exceeding 50,000 MDL, a floating rate applies, calculated as the sum of the National Bank of Moldova (NBM) reference rate and the Bank's fixed margin.
| Client Category | Annual Interest Rate | Annual Percentage Rate (APR) | Fees & Commissions |
|---|---|---|---|
Category 1 ("Standard" Client) | 12.00% | 12.68% | One-time origination fee – 0% Monthly administration fee – 0% Application review fee – 0% |
Category 2 ("Loyal" Client) | 11.50% | 12.13% | |
Category 3 ("Preferential" Client) | 11.00% | 11.57% |
- Category 1 – Standard Clients (general terms applicable to all applicants who do not fall into the categories below).
- Category 2 – Loyal Clients (clients with a positive credit history and proper payment behavior).
- Category 3 – Preferential Clients (employees of companies with a payroll project at the bank, IT park companies, and public/budgetary institutions).
For a loan of 100,000 MDL over a period of 60 months, with:
- interest rate: 12.00%;
- APR: 12.68%;
- fees: 0%.
- Estimated monthly payment: ≈ 2,224.44 MDL;
- Total interest: ≈ 33,467 MDL;
- Total amount payable: ≈ 133,467 MDL.
For a loan of 100,000 MDL over a period of 60 months, with:
- interest rate: 11.50%;
- APR: 12.13%;
- fees: 0%.
- Estimated monthly payment: ≈ 2,199.26 MDL;
- Total interest: ≈ 31,956 MDL;
- Total amount payable: ≈ 131,956 MDL.
For a loan of 100,000 MDL over a period of 60 months, with:
- interest rate: 11.00%;
- APR: 11.57%;
- fees: 0%.
- Estimated monthly payment: ≈ 2,174.24 MDL;
- Total interest: ≈ 30,455 MDL;
- Total amount payable: ≈ 130,455 MDL.
The information above is for guidance purposes only. The APR and final amounts may vary slightly depending on the loan disbursement date and the specific terms of the agreement.
The following documents are required for loan assessment and approval:
- Loan application form (completed by the applicant);
- Applicant’s identity card (original and copy);
- Income-confirming documents (where applicable);
- Any additional documents requested by the Bank, depending on the applicant’s profile and the specifics of the loan.
