Manage your personal and business loans directly in the Microinvest app – simple, fast, and secure. Download the app from the App Store or Google Play and get financing at the right time, anytime and anywhere.
Mobile App benefits:
- You can apply for a loan online
- Apply for a loan online
- Track the status and stages of your loan applications
- Sign loan documents remotely
- Access your loan details, contract, repayment schedule, and payment history
- Make payments online and stay informed about the date and amount of your next payment
- Receive funds in your account via MIA
- Request an increase in your credit limit directly from the app
- Quickly get in touch with the support team
GOLD in client protection
Microinvest is the only financial organization in Moldova that holds the international GOLD certification, according to the Cerise+SPTF Client Protection standards and methodology
What does this mean for our clients?
- Clear and adequate products
- Avoiding excessive debt
- Transparent conditions
- Responsible prices
- Respectful treatment
- Data confidentiality
- Prompt complaints handling
Microinvest clients reviews
Example of calculation for a car loan
Are you looking to buy a car and want a simple and clear financing solution? With the auto loan from Microinvest, you can quickly purchase the car you want, with flexible terms and easy-to-manage installments. For example, for a loan amount of 300.000 MDL with a 12-month repayment period, the costs may be as follows:
| Loan amount: | 300.000 MDL |
| Repayment period: | 12 months |
| Annual interest rate: | 20% |
| One-time commission for credit usage services: | 0% |
| Monthly commission calculated based on the daily balance: | 0,3% |
| Monthly installment: | 28.320,72 MDL |
| Total amount payablе: | 339.848,74 MDL |
| APR: | 26,30% |
| *This is a representative example and does not have contractual values. To receive a personalised offer, call us at 022 801 701 or apply online. | |
- You must have Moldovan citizenship
- You must present your Moldovan identity card
- You must present confirmation of stable income for the last 3 months
- If collateral is required, you must present documents confirming the properties
- You can apply for a loan up to 1.500.000 MDL
- For a term of up to 60 months
- The loan issuance fee is 0%
- The administration fee is 0%
- Full early repayment of the loan has a 0% commission
- Additional costs are established transparently, depending on the specifics of each case (valuation, notary, etc.)
You can repay your loan:
- In the Microinvest app, through MIA Instant Payments
- Through Microinvest branch network at terminals or counters
- Through the network of terminals and agents of partners Paynet, Bpay
- Through the Post of Moldova office
- On-line, through oplata.md, paynet.md, bpay.md
- Through banks
- How to apply for a car loan?
You can apply for a car loan in person, at one of Microinvest's branches, or online by clicking on the link. Also, if you buy a car from our partner car park, you can apply for a loan there. If you are already a Microinvest client, you can apply by calling 022 801 701 or in your personal account, or in the Microinvest app.
- What is the difference between car loan and leasing?
When financing a car, the client becomes the owner from the very beginning and repays the loan amount in monthly installments. In the case of leasing, you don’t own the car.
The transfer of ownership is carried out only at the end of leasing agreement, after you have made all contributions.
Microinvest offers the opportunity to finance a car.
- Up to 500.000 MDL without collateral
- Only with your ID card
- You get the money the same day
- For a term up to 60 months
- Up to 500.000 MDL
- No hidden fees
- Response in few hours
- Extensive nationwide network of partners
- Up to 1.500.000 MDL
- 100% financing
- Become the car owner from the beginning
- Apply for a loan directly to partners
- Up to 500.000 MDL
- You have all the credits in one place
- Lower interest rate and final amount
- Simplified loan repayment process
- From 30,000 to 300,000 MDL
- Term of up to 12 months
- Extend the credit line without fully repaying the outstanding balance
- Pay interest only on the funds you use
- Up to MDL 6.000.000 without collateral
- No extra paperwork and financial analysis
- Personalized payment schedule
- For a term up to 10 years
- Up to MDL 10.000.000
- You start paying after 9 months
- No extra paperwork and stress
- Flexible approach regarding collateral
- Up to MDL 3.000.000
- We review your request by phone
- Response in maximum 2 hours
- For a term from 3 to 120 months
- Amount: from MDL 50.000 to 5.000.000
- Fast access from your personal account
- Interest is charged only for the money used
- Term: up to 24 months, with option to renew
- Preferential financing terms
- Up to MDL 6.000.000 without collateral
- Fast decision-making and a personalized approach
- Extensive nationwide network of partners
Buy in installments directly from partner stores
Buy now, pay later:
- In installments or by loan, on favorable terms
- From 1.000 to 500.000 MDL
- Fast, secure, with no hidden fees
- Apply at the partner store, using only your ID card
