From 30.000 to 300.000 lei
Access funds whenever you need them for your plans
Choose your amount and term of use
For a term of up to 12 months
Pay interest only on the funds you use
No fee is charged for the unused portion of the credit line
Option to extend the credit line
Without having to fully repay the outstanding balance
Quick access to funds
Directly through the App or Client Cabinet
No hidden fees or costs
Clear and transparent terms
Calculate your loan
Microinvest App
Manage your personal loans 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
- You can sign loan documents remotely
- You have access to loan details, the repayment schedule, and payment history
- You can pay online and always see the date and amount of your next payment
- You receive the money directly to your account via MIA
- You can contact 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
Who is the Personal Line of Credit suitable for?
The Personal Line of Credit is the right solution for you if you:
- need funds for unexpected expenses;
- want to achieve your plans without applying for a new loan every time;
- want greater flexibility in managing your budget;
- have recurring expenses and want to be prepared in advance;
- want to keep a financial reserve within easy reach;
- need quick access to funds for opportunities you do not want to postpone.
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
Example of calculation for a Personal credit line
Do not put your important plans on hold! With the Personal credit line from Microinvest, you can use the funds when you need them and manage them flexibly according to your priorities. For example, for a Personal credit line of 300,000 lei granted for a period of 12 months, the costs may be as follows:
| Credit amount: | 300,000 lei |
| Repayment term: | 12 months |
| Annual interest rate: | 34% |
| One-time fee for using the credit: | 0% |
| Monthly fee calculated on the initial amount: | 0% |
| Monthly payment: | 8,430 lei |
| Total amount payable: | 401,160 lei |
| APR: | 38.82% |
| 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. | |
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 6 months
- You can apply for a loan up to 300,000 MDL
- For a term of up to 12 months
- The loan issuance fee is 0%
- The administration fee is 0%
- Full early repayment of the loan has a 0% commission
- 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 Qiwi, Paynet, Bpay
- Through the Post of Moldova office
- On-line, through qiwi.md, oplata.md, paynet.md, bpay.md
- Through banks
What other types of loans can you access at Microinvest?
Personal Line of Credit
- From 30,000 to 300,000 lei
- Term of up to 12 months
- Extend the credit line without fully repaying the outstanding balance
- Pay interest only on the funds you use
Home improvement loan
- Up to MDL 500.000 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 MDL 400.000
- No hidden fees
- Response in few hours
- Extensive nationwide network of partners
Car loan
- Up to MDL 1.500.000
- 100% financing
- Become the car owner from the beginning
- We finance 100% of the cost
Loan Refinancing
- Up to MDL 500.000
- You have all the credits in one place
- Lower interest rate and final amount
- Simplified loan repayment process
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 300.000 MDL
- Fast, secure, with no hidden fees
- Apply at the partner store, using only your ID card
