You can apply for a loan physically, at one of Microinvest's back offices across the country, or online by clicking on the link. If you are already a Microinvest client, you can apply by calling 022 801 701 or online, in your personal account, or in the Microinvest app. Personal loan approval time is up to 15 minutes.

Of course. At Microinvest you can apply online for a loan, by clicking on the link, or in the Microinvest app.

Yes, if your income is sufficient to pay off two or more parallel loans and active loans are repaid without delay.

Microinvest refinances loans from other organizations or banks, taking into account several factors: good credit history, solvency, stable source of income. To get a more detailed answer, you need to apply for a loan physically or online.

Consumer loans are defined as loans for personal use, such as: repairs, buying furniture, appliances, travel, education, etc. To get a consumer loan, you must have a stable income and a positive credit history. For more information about the conditions in applying for a consumer loan at Microinvest, please click HERE or call 022 801 701.

To apply for a loan, you only need a valid ID card. Subsequently, depending on the amount, additional documents may be required regarding confirmation of income, guarantor / co-debtor or pledge.

To get a loan, it is not compulsory to have an official income, but it is important to have confirmed stable sources of income, because solvency is analyzed first of all.

The interest rate depends on several factors, such as: period, amount, risk level of the client. You can calculate the approximate monthly payment on the online calculator. Also, you can contact Microinvest operators by phone 022 801 701 to receive an individual offer.

Initially, loan officer schedules a meeting with you and after a preliminary analysis, draws up an individual loan payment schedule and a list of required documents. After the documents are submitted, an application for a loan is made, the decision on which you will receive within a maximum of one day. The last step is signing the loan agreement and receiving the money. The entire procedure can take up to 2 business days.

Any individual or legal entity engaged in entrepreneurial activities can apply for a business loan at Microinvest.

The maximum amount that Microinvest offers without collateral for business clients is 4 000,000 MDL. However, the exact amount is determined individually for each client, depending on several factors, such as: own contribution, field of activity, etc. For an individual offer, you can contact us by phone 022 801 701.

The credit limit is the maximum amount you can receive in a year. For example, if your credit limit is 1,000,000 lei, you can borrow the entire amount today or receive 500,000 lei today, and another 500,000 lei in a week, month or even six months. Any amount within the approved limit can be received within 2 hours. The credit limit allows you to save time and complete the necessary transactions at the right time.

An Agri loan gives you flexible financing for your farm or agricultural business. You get amounts tailored to your needs, personal support, a repayment schedule that matches the agricultural season, and the option of early repayment with 0% commission.

Applying for an Agri loan is simple and fast. Microinvest loan officers come to any location in the country, assess your financial situation, and propose the best financing option. There is no complex paperwork or business plan, and the loan decision is made within 24 hours. You only need to visit the office to receive the money.

An Agri loan can be used to finance working capital with a term of up to 3 years, as well as fixed assets with a term of up to 10 years. Financing is available in local currency or foreign currency, with a personalized repayment schedule, the option to sign online or in-office, and early repayment options.

A grace period is a deferment of loan payments for a certain period of time. For example, for an Agri loan at Microinvest, you can get a grace period of up to 9 months. Our goal is to create a convenient repayment schedule for our clients. For an individual offer, contact us on 022 801 701.

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.

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.

The maximum loan amount for a car is 75,000 euros.

If your income is business-related, then if you apply for a car loan, it will be analyzed in accordance with the business loan conditions. More information about business loans you can found HERE or by contacting us on 022 801 701.

With a home renovation loan, you can access amounts between MDL 50,000 and MDL 500,000, tailored to your renovation needs and your family budget.

Yes. Microinvest offers collateral-free renovation loans for amounts of up to MDL 400,000, with favorable conditions and a simple application process.

A home renovation loan can be repaid over a period of up to 60 months, while loans secured with real estate may have a repayment term of up to 84 months.

You can finance renovation works, home improvements, and the purchase of home appliances and household products, including from Microinvest partner stores, using only your ID card.

Loan refinancing means consolidating all your existing loans from other financial institutions into a single loan, making them easier to manage, with lower monthly payments and reduced total costs.

At Microinvest, you can refinance personal loans, consumer loans, or other borrowings from different financial institutions into one solution, for amounts of up to MDL 500,000.

The process is simple: Microinvest handles the closure of your existing loans with other organizations, and you are left with one clear and manageable monthly payment.

You benefit from lower monthly payments, more favorable interest rates, no one-time commission, simplified loan management, and transparent terms and conditions.

The Personal Line of Credit is a flexible financing solution that allows you to access money whenever you need it, so you can make your plans happen at the right time.

You can access an amount between 30,000 and 300,000 MDL for a period of up to 12 months, with the option to extend it without having to close the outstanding balance.

You can use the Personal Line of Credit to make your plans happen, such as renovating your home, making important purchases, going on vacation, covering events, or handling unexpected expenses.

Interest is calculated only on the amount used and for the actual period of use. There is no fee for unused funds, and no additional documents are required for each drawdown.

With Business Rapid, the credit analysis is done by phone in about 2 hours, and you can receive the money the same day, without stopping your business activities.

You can borrow from MDL 50,000 up to MDL 3,000,000, depending on your business performance, including up to MDL 500,000 without collateral.

No file, business plan, or copies of accounting documents are required. You can obtain up to MDL 500,000 without collateral, and if needed, Microinvest applies a flexible approach to guarantees.

Business Rapid loans are intended for day-to-day business expenses, such as purchasing goods, paying suppliers, utilities, or other operational needs.

A Business Credit Line is a flexible financial reserve that allows you to access funds whenever you need them for your company's current expenses, without submitting a new loan application each time.

You can access amounts between MDL 50,000 and MDL 4,000,000, for a period of up to 24 months, with the possibility of extension, without closing the outstanding balance to maintain access to funds.

A credit line is suitable for covering cash flow gaps, paying suppliers and salaries, increasing inventory, making seasonal purchases, refinancing other loans, or other operational business expenses.

Interest and fees are calculated only on the amount used and for the actual period of use. There is no fee for unused funds, and no additional documents are required for each drawdown.

A Green Loan is a financing product designed for businesses investing in sustainable, energy-efficient, and environmentally friendly solutions, ideal for entrepreneurs looking to reduce environmental impact and operating costs.

A Green Loan can finance energy-efficient equipment, modern machinery, solar panels, thermal insulation, eco-friendly transport, automation and digitalization, sustainable agriculture, resource reuse systems, and other green investments.

You benefit from preferential financing conditions, attractive interest rates, flexible repayment adapted to your project, fast access to funding with minimal bureaucracy, and a positive business image within the community.

You can apply easily by selecting “Business development” as the purpose in the loan application form or by contacting Microinvest for a free consultation. The assessment is individual, fast, and requires minimal involvement from your side.

The annual effective interest rate (EAR) is the total cost of the loan and includes all costs associated with it: annual interest rate, insurance cost, application review fee, administrative fees (monthly or annual). It is important to know that EAR is the most objective criterion for comparing loan offers from banks and non-bank credit institutions. To calculate the EAR offered by Microinvest, you need to go to this LINK, specify the amount and the desired period, then click "Calculation and Detailed Information about the loan".

Information about your credit status can be found by calling 022 801 701, in the chat on the website, in Viber or Telegram or by accessing "My Account", or in the Microinvest app.

Free of charge

• through the network of terminals Microinvest, Bpay, Paynet
• in all branches of Posta Moldovei.
• or in the Microinvest app, through MIA

With commission

• online, through oplata.md (3%), paynet.md (2%)
• via Internet banking, directly to Microinvest's account, indicating the name of the company: OCN Microinvest SRL, fiscal code: 1003600053518, IBAN code: MD21AG000000022511323607, purpose: repayment of loan No. XX (national transfer fee is charged by the bank from which you transfer)

Details on how to pay for a loan can be found to this link or by calling 022 801 701.

Of course, to find out the exact amount with recalculation for early repayment, please contact us on 022 801 701, or in the Microinvest app.