Individuals with permanent residence and income in Greece.

Flexible repayment, with a term from 12 up to 36 months, depending on the loan amount

• For an amount of €1.000: loan term up to 12 months
• From €1.000,01 to €2.000: loan term up to 24 months
• From €2.000,01 to €3.000: loan term up to 36 months

Loan’s repayment is carried in monthly installments through the borrower’s deposit account at Pancreta Bank.

All or part of your loan can be repaid at any period, even before the agreed date, without charges.

Variable interest rate calculated at Euribor 1M, plus spread that depends on the loan amount (interest rate is subject to Law 128/75 levy)

• For amount €1.000: Euribor 1M plus spread of 8,40% *
• For amounts from €1.000,01€ up to €2.000: Euribor 1M plus spread of 8,60% **
• For amounts from €2.000,01 up to €3.000: Euribor 1M plus spread of 8,80% ***

The aforementioned interest rates are subject to Law 128/75 levy, today 0,60%.
In case of Euribor 1M being negative and for the whole period that it remains negative, zero reference interest rate will be applied.

* APR: 13,51% for a €1.000 loan, with a loan term of 12 months, with nominal variable rate consisting of Euribor 1M (Euribor's 1M rate used for the example is 3.75%) , spread 8,40% and Law 128/75 levy (today 0,60%)

** APR: 13,74% for a €2.000 loan, with a loan term of 24 months, with nominal variable interest rate consisting of Euribor 1M (Euribor's 1M rate used for the example is 3.75%), spread 8,60% and Law 128/75 levy (today 0,60%)

*** APR: 13,97% for a €3.000 loan, with a loan term of 36 months, with nominal variable interest rate consisting of Euribor 1M (Euribor's 1M rate used for the example is 3.75%), spread 8,80% and Law 128/75 levy (today 0,60%)

There are no fees for the examination and approval of your request.

No collateral required.

A guarantor may be deemed necessary while assessing the loan.

We offer you the opportunity to securely repay your loan in case of unforeseen events through the Borrowers’ Life insurance program, that covers loss of life for any reason or Total Permanent Disability (TPD).