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Variable-Rate Consumer Loan

Quick access to financing, favorable interest rates, and dedicated support—for a loan that grows with you.

Up to 400,000 MDL

Flexible, market-based interest rate

No hidden costs

Variable-Rate Consumer Loan

Floating-rate offer at 12.16%

Details

For customers who do not meet any of the conditions of the offers listed below.

ZERO application review fee

Sample Calculation
Loan Amount200,000.00 MDL
Term5 years
Monthly payment4,465.08 MDL
DAEAnnual Percentage Rate (APR)12.86%
Total Amount Dueloan amount + all related costs267,904.59 MDL

Be financially responsible. Be sure to repay your loan on time.

No need to pledge the real property as collateral.

If the loan amount exceeds 300,000.00 MDL, the applicant must be the owner or co-owner of real property.

Floating-rate offering at 11.16%

Details

If you work for a private company (101–500 employees) or receive your salary on a Victoriabank card

ZERO application processing fee

Sample Calculation
Amount Credited200,000 MDL
Term5 years
Monthly payment4,364.46 MDL
DAEAnnual Percentage Rate (APR)11.74%
Total Amount Dueloan amount + all related costs261,867.66 MDL

Be financially responsible. Be sure to repay your loan on time.

No need to pledge the real property as collateral.

If the loan amount exceeds 300,000.00 MDL, the applicant must be the owner or co-owner of real property.

Floating-rate offer at 11.66%

Details

If you work in:

  • IT

  • the private healthcare sector

  • private education

  • accounting

  • public institutions using Victoriabank payroll services

  • large company (over 500 employees)

ZERO application review fee

Sample Calculation
Loan Amount200,000 MDL
Term5 years
Monthly payment4,414.60 MDL
DAEEffective Annual Interest Rate12.30%
Total Amount DueLoan amount + all related costs264,876.18 MDL

Be financially responsible. Be sure to repay your loan on time.

No need to pledge the real property as collateral.

If the loan amount exceeds 300,000.00 MDL, the applicant must be the owner or co-owner of real property.

Learn more about the variable-rate consumer loan

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Calculate the payment amount for a variable-rate consumer loan

Do you have any more questions?

Contact us. We’re here to help you.

Eligibility criteria

Acte necesare

From what age can I take out a loan?

Why is so special Consumer Credit from Victoriabank?

Do you have any more questions?

Contact us. We’re here to help you.

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Victoriabank — a member of the deposit insurance scheme in the Republic of Moldova

© Victoriabank 2026. All rights reserved.