From 50.000 to 500.000 MDL
With a repayment term of up to 60 months
Up to 500.000 MDL
Guaranteed without collateral
Simple loan process
No hidden fees
Individual customer analysis
Only ID card is required
Calculate your loan
Microinvest App
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
1
Fill in the online application form
Apply for a loan on the website, in cabinet or in the Microinvest app.
2
We review your request
Our team will quickly review your application and, if necessary, contact you to provide the most suitable financing solution.
3
Receive a decision and sign the documents
You’ll be notified by email or phone once your loan application has been approved. You can sign the loan agreement directly in the app or at the nearest branch.
4
Get your money
After signing, the approved funds will be securely transferred to your bank account quickly and hassle-free.
5
Manage your loan online
Manage your loan at your own pace in the Microinvest app or in your personal cabinet.
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 home renovation loan
Don’t let renovations stay on your to-do list! Upgrade your home easily, at your own pace, with a home renovation loan from Microinvest. For example, for a loan amount of 500.000 MDL with a 12-month repayment period, the costs may be as follows:
| Loan amount: | 500.000 MDL |
| Repayment period: | 12 months |
| Annual interest rate: | 31,5% |
| One-time commission for credit usage services: | 0% |
| Monthly commission calculated from the initial amount: | 0% |
| Monthly installment: | 29.494,49 MDL |
| Total amount payable: | 353.933,98 MDL |
| APR: | 36,47% |
| *This is a representative example and does not have contractual values. To find out the individual offer apply online. | |
Useful information
Terms and conditions
Loan details
Fees
How to pay
FAQ
- 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 from 50.000 to 500.000 MDL
- You can access up to 500.000 MDL without collateral
- For a term of up to 60 months
- For loans with collateral – real estate, the repayment term is up to 84 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
- Online, through oplata.md, paynet.md, bpay.md
- Through banks
- How much can I borrow with a home renovation loan?
- Can I get a renovation loan without collateral?
- What is the repayment term for a home renovation loan?
What other types of loans can you access at Microinvest?
Home improvement loan
- 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
Current needs loan
- Up to 500.000 MDL
- No hidden fees
- Response in few hours
- Extensive nationwide network of partners
Car loan
- Up to 1.500.000 MDL
- 100% financing
- Become the car owner from the beginning
- Apply for a loan directly to partners
Loan refinancing
- Up to 500.000 MDL
- You have all the credits in one place
- Lower interest rate and final amount
- Simplified loan repayment process
Personal line of credit
- 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
Business loan
- Up to MDL 6.000.000 without collateral
- No extra paperwork and financial analysis
- Personalized payment schedule
- For a term up to 10 years
Agri loan
- Up to MDL 10.000.000
- You start paying after 9 months
- No extra paperwork and stress
- Flexible approach regarding collateral
Business Rapid
- 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
Business credit line
- 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
Green loan
- 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
