FAQ | Microinvest

General

1. How can I apply for a loan at Microinvest and how quickly will I receive a decision?

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.

2. Can I apply for a loan without visiting branch?

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

3. If I already have a loan, can I get another one?

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

4. I have loans from other organizations or banks, can I refinance them at Microinvest? What loans can be refinanced?

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.

Personal needs loans

5. What is a consumer loan and what are the requirements in applying?

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.

6. What documents are needed to apply for a loan?

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.

7. Can I get a loan with no official income?

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.

8. What is the interest rate for family loans?

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.

Business loans

9. What is the procedure to get a business loan?

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.

10. Who can apply for a business loan?

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

11. What is the maximum amount for Business Loans without collateral?

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.

12. What is a credit limit?

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.

Agri loans

13. What are the benefits of an Agri loan?

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.

14. How does the Agri loan approval process work and how long does it take?

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.

15. What expenses can be financed with an Agri loan?

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.

16. What is a grace period for Agri loan?

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.

Car loans

17. 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.

18. 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.

19. What is the maximum amount for Car loans at Microinvest?

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

20. Каковы условия получения кредита на авто для бизнеса?

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.

Home Renovation Loans

21. How much can I borrow with a home renovation loan?

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.

22. Can I get a renovation loan without collateral?

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

23. What is the repayment term for a home renovation loan?

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.

24. What can I finance with a renovation or home appliances loan?

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

25. What does loan refinancing at Microinvest mean?

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.

26. What types of loans can be refinanced?

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.

27. How does the refinancing process work?

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.

28. What are the benefits of refinancing at Microinvest?

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

Mortgage Loan

29. How much can I get with a mortgage loan from Microinvest?

With a Microinvest mortgage loan, you can obtain up to EUR 50,000, depending on your income level and the value of the property.

30. What is the repayment term for a mortgage loan?

A mortgage loan can be granted for a period of up to 10 years, with a repayment schedule adapted to your financial capacity.

31. What types of income are accepted for a mortgage loan?

Microinvest accepts all types of income, including salary, business income, or other legal sources, increasing your chances of approval.

32. What are the special conditions of the Microinvest mortgage loan?

You receive a decision within 2 hours, can apply without leaving your home, property insurance is not mandatory, and the down payment starts from 20%, under transparent and fair conditions.

Business Rapid Loans

33. How fast can I get the money with a Business Rapid loan?

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.

34. How much money can I get with a Business Rapid loan?

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.

35. Is collateral or a document file required for Business Rapid loans?

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.

36. What expenses can be financed with Business Rapid?

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

Business Credit Line

37. What is a Business Credit Line and how does it work?

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.

38. What amount and term can I obtain with a Business Credit Line?

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.

39. What types of expenses can a Business Credit Line be used for?

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.

40. What costs are involved when using a Business Credit Line?

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.

Green Loan

41. What is a Green Loan and who is it for?

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.

42. What types of investments can be financed with a Green Loan?

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.

43. What benefits does a Green Loan offer to my business?

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.

44. How can I apply for a Green Loan at Microinvest?

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.

Payment and loan information

45. What is EAR?

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".

46. How can I find out information about my credit status?

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.

47. Where and how can I pay off the loan?

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

48. Can we repay loan amount early?

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.

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