Refinancing your loans at Microinvest is a safe and advantageous financial solution for managing loans in one place. You get rid of needs, you have everything in one place, convenient to manage, even cheaper.
- You refinance all your loans into a single product
- You benefit from a lower interest rate and a reduced total cost
- You enjoy a simple and transparent repayment process
Example of calculation for a refinancing loan
Do you have loans from several financial institutions and every month you have to deal with the pressure, stress and rush of paying them on time? Refinance all your loans from other institutions into one single loan with Microinvest. For example, for a loan amount of 100.000 MDL with a 12-month repayment period, the costs may be as follows:
| Loan amount | 100.000 MDL |
| Repayment period | 12 months |
| Annual interest rate | 36,5% |
| Single fee for the use of the loan | 0% |
| Monthly fee calculated from the balance daily loan | 0% |
| Monthly installment | 10.081,76 MDL |
| Total amount payable | 120.981,15 MDL |
| APR | 43,27% |
| *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 refinance up to 500.000 MDL
- You benefit from an advantageous interest rate and a lower total cost
- 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
- 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.
- 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 500.000 MDL.
- 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.
- 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
