Express consumer credit

__Express__ consumer credit
  • Loan calculator

    Desired amount 30.000 den.

    Number of months 12

    Interest rate

    7.26 %

    Monthly annuity


    Total to be paid off


    Total interest


    TCR of 7.822 %.

    *The amount of TCR is influenced by the repayment time limit, amount of credit, amount of costs included in calculation of TCR, capitalized interest and amount of nominal interest rate.

  • Линкови десно

Non-purpose consumer credit with 1 guarantor

Do you need money? Express consumer credit of Eurostandard Bank is quick and simple solution for financing all your needs. You can apply for EXPRESS consumer credit with 1 (one) guarantor for amount, time limit and repayment method that only suits you.

You can apply for express consumer credit with 1 (one) guarantor, for amount, time limit and repayment method that only suits you.

  • Up to 180,000 denars Possible credit in amount of 180.000 denars, with one guarantor
  • Flexible repayment According to your wishes and financial abilities you can pay off this credit in 12 or 24 months
  • Easy application In all branch offices of Eurostandard bank
  • Maestro – debit card Free of charge maestro debit card
  • Quick disbursement After the credit has been extended, your funds are transferred to your transaction account


Credit characteristics

  • Maximum amount - 180.000 denars, depending on the credit worthiness;
  • Repayment time limit – 48 equal monthly annuities;
  • Interest rate: the initial interest rate amounts to 10.5% per annum. It is variable and changeable according to the changes in the referent interest rate published by and after half a year (June 30th and December 31st) it increases by 8%, however not less than 10.5% per annum and not more than the legal interest on arrears. The adjustment of the interest rate is made twice upon every semester (half a year);
  • Default interest: as the legally proscribed default  interest rate:
  • Fees: up to 2% fixed, in advance, for credit management, minimum 1.000 MKD, 250,00 MKD application costs


  • Bill of Exchange with B/E statement, signed by the Credit beneficiary an 1 (one) guarantor 

Who can apply

  • Citizens of the Republic of Macedonia
  • Credit beneficiaries and guarantors for credits in Eurostandard Bank can’t apply for credit guarantors
  • Net salaries of the credit applicant or guarantor mustn’t be smaller than 10.000 MKD

Documents needed

  • Employees of private companies to submit copies of M-1 M-2 forms and summary on the last 3 month salaries, certified by Revenue Board Office and current account of the company issued by the Central Register.
  • Attached to the application to submit copies of identification documents of  the credit applicant.


  • The Bank reserves the right to ask for additional documentation in order to prove the authenticity of the submitted credit application.
  • Annuities mature the last calendar day of the month.
  • Monthly annuities can't be higher than 1/3rd  of the salary of credit beneficiary and co-credit beneficiary