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General lending conditions for individuals
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SmartCredit Partners

Consumer loans


With SmartCredit shopping becomes smart! Purchase the desired goods and services from the bank's parteners and benefit from 0% interest rate.

  • Amount: 5 000 lei - 200 000 lei
  • Credit period: up to 24 months
  • Interest rate: 0%
  • *Annual interest rate varies depending on the period and type of credit requested. Calculate the total cost here.

  • No collateral
  • Other payments: according to Tariff Policy of the Bank

How to benefit from SmartCredit?

  • Choose the good or service you want from the partners in the list.
  • Go to partener-shop, get acquainted with the conditions for obtaining the credit and request the purchase/ purchase invoice/ contract of sale (service supply).
  • Come to any Moldindconbank branch and submit the required documents.
  • You will receive the payment document, which confirms the transfer of the amount to the merchant's account.
  • Show to the partner the payment document.
  • The merchant will deliver/ install your asset and offer your warranty.

Who can benefit?

1.   Resident of Moldova: citizen of RM, foreign citizen or person without citizenship (statelessness) with permanent residence in R.M, who:
      •  holds the appropiate identity document, issued by the competent authorities of the R.M., valid at the time of requesting the credit.
2.  Age between 20 - 70 years (the maximum age until which the credit is reimbursed).
3.  Employed in the field of work, for a minimum of 6 months and at the current job with a minimum of 4 months.
Note: Except pensioners and those who give the lease of movable / immovable property.
4. Individual, without credit history or with satisfactory and good credit history.
5.  Ownership of real estate (dwelling, construction or agricultural land, gardens) in property without prohibition (if the loan amount is more than 100 000 MDL).

What are the necessary documents?

1.  Identity card, valid.
2.   At least one of the following documents that prove the incomes :
      •  Information received from the State Tax Service, or
      •  The pensioner's card with the compulsory indication of the current pension, or the statement from the account in which the pension is paid
      •  As appropriate, may be accepted other documents..
3.  Upon necessity, the bank may request additional documents.