Live now,

pay later

The only 100% online loan, with the best interest rates in the market.

Raiffensen Bank FRC Onfido Scrive

We believe in our core values

AILend means...

Easiness

Do it your way. Apply online, choose the installment and loan duration that suits you best.

Speed

The application is completed in 90 seconds. No bureaucracy and unnecessary paperwork. Everything online without being in a bank branch.

Transparency

The loan application is free and we will always show you all the costs upfront. No hidden fees.

We believe in our core values

AILend means...

Easiness

Do it your way. Apply online, choose the installment and loan duration that suits you best.

Speed

The application is completed in 90 seconds. No bureaucracy and unnecessary paperwork. Everything online without being in a bank branch.

Transparency

The loan application is free and we will always show you all the costs upfront. No hidden fees.

Ease your needs with AILend

Join AILend and…

Loan

Get a 100% online loan

Need money for unexpected expenses or to fulfill a wish?

With our simple online application process, you can get a loan in just 10 minutes.

Start application

How it works

Before applying for a loan, you will need to complete a few simple steps. They take no more than 10 minutes and help us keep your account secure, ensuring that it is really you who is applying.

step 1

Register

Start the registration by providing your email (where we will send a one-time code) and create your own password.

step 1

Verify email

In the next step, we verify the email. Check the "Inbox" section in your email for a one-time code and enter the code in the required fields on our site.

step 1

Verify phone number

Enter your mobile number, where we will send a one-time code via SMS. Enter the code in the required fields on our site.

step 1

Upload documents

These help us confirm who you are and that you have stable income. It's like showing your ID and a paycheck at a bank, but much faster.

step 1

Complete the questionnaire

Time to tell us a bit about yourself! Complete a short questionnaire that takes no more than 3 minutes, as it helps the bank make a 100% online decision.

step 1

Verify identity

We are almost done. In this step, we will need a selfie photo and front-back photos of your identification document.

step 1

Sign the contract

Finally, you are ready! After all verifications, you need to give your OK with a digital signature on the contract. That’s it!

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Frequently Asked Questions

What documents are needed to apply for a loan?keyboard_arrow_down

You need the contribution verification and family certificate, which you can download from e-Albania.

I have an existing loan that I want to close and apply only with you. Can I do that?keyboard_arrow_down

If you have not had any defaults on your previous loan, meaning you have a clean history, it is not a problem and you can apply again.

I am not insured at work. Can I apply?keyboard_arrow_down

To apply with AILend, it is necessary to be employed with social security for at least 6 months.

Can I choose how much I pay each month?keyboard_arrow_down

When you apply, you choose the terms that suit your wallet: you set the installment and duration yourself, so you feel secure when paying.

Where will I take the money?keyboard_arrow_down

The money will be transferred to a bank account that you will choose during the application process

Your loan,
your terms

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Terms of Use

Welcome to AILend!

These Terms and Conditions outline the rules and regulations for the use of AILend's website, as set forth on ailend.io
By accessing this site, we assume you accept these Terms and Conditions. Do not continue to use AILend if you do not agree to all the terms stated herein.
The following terminology applies to these Terms and Conditions, the Privacy Notice, and the Disclaimer, as well as all Agreements: "Client", "You" and "Yours" refers to you, the person accessing this site, in accordance with the company's terms and conditions. "Company", "Ourselves", "We" and "Our", refers to our company. "Parties", or "We", refers to both the client and us. All conditions relate to the offer, acceptance, and assessment of the necessary payment to undertake our assistance process for the client, in accordance with and subject to the prevailing law of Albania.

License

Unless otherwise stated, AILend and/or its licensors own the intellectual property rights for all material on AILend. All intellectual property rights are reserved.

You must not:

  • Re-publish material from AILend
  • Sell, rent or sub-license material from AILend
  • Reproduce, duplicate or copy material from AILend
  • Redistribute content from AILend

Parts of this site offer users the opportunity to post and exchange opinions and information in designated areas. AILend does not filter, modify, block, or review comments before they appear on the website.

AILend reserves the right to monitor all comments and remove any comments deemed inappropriate or offensive.

You warrant and represent that:

  • You have the right to post comments on our website and possess all necessary licenses and consents to do so;
  • Comments do not infringe on any intellectual property rights of third parties (including but not limited to copyright, patent, or trademark);
  • Comments do not contain any defamatory, offensive, obscene or otherwise unlawful material that constitutes a violation of privacy;
  • Comments will not be used to solicit or promote customized business or illegal activities.

By doing so, you grant AILend a non-exclusive license to use, reproduce, modify, and permit others to use, reproduce, and modify any of your comments in any form, format, or media.

Hyperlinking to Our Content

The following organizations may link to our website without prior written approval:

  • Government agencies;
  • Search engines;
  • News organizations;
  • Online directory distributors;
  • Accredited businesses outside of non-profit organizations;
  • Main websites, publications, or other information sources on our site, provided that the link is not deceptive, does not imply sponsorship, and fits within the context.
  • Other organizations linking as:
  • Recognized consumer and/or business information sources;
  • Community dot-com sites;
  • Charities or other groups representing charitable organizations;
  • Online directory distributors;
  • Internet portals;
  • Accounting, legal, and advisory firms;
  • Educational institutions and trade associations.

We will approve link requests if: (a) the link does not portray us in an unfavorable light; (b) the organization has no negative record with us; (c) the benefit from the link offsets the absence of AILend; and (d) the link is in the context of general information.

Links must not be deceptive, imply improper sponsorship, and should fit within the context of the linking site's content.

If you are one of the organizations listed above and wish to link to our website, please contact us via email with your name, organization, contact information, your site's URL, a list of URLs from which you plan to link, and a list of URLs on our site you wish to link to. Please allow 2-3 weeks for a response.

Approved organizations may hyperlink to our website as follows:

Using our corporate name;

Using the unique resource link;

Using any other description of our website that is in context with it;

The use of AILend's logo is not permitted for trademark license agreements.

iFrames

Without prior written consent, you may not create frames around our webpages that alter their visual presentation or appearance.

Content Responsibility

We are not responsible for any content appearing on your site. You agree to indemnify and hold us harmless from any claims arising from such content.

Your Privacy

Please review our Privacy Policy.

Rights Reserved

We reserve the right to demand the removal of links from our site upon request and are obliged to enforce these terms at all times.

Link Removal from Our Website

If you find any link on our website that is offensive for any reason, please contact us. We will review your request, but are not obligated to respond directly.

Accuracy of Information

We do not guarantee the accuracy, completeness, or availability of the information on our website.

Disclaimer

To the maximum extent permitted by law, we exclude all liability relating to the use of this site.

Nothing in this disclaimer will:

  • Limit or exclude our or your liability for death or personal injury;
  • Limit or exclude our or your liability for fraudulent or deceptive misrepresentation;
  • Limit any of our or your obligations in any way that is not permitted by law;
  • Exclude any obligations that cannot be excluded under applicable law.

The limitations set out in this section govern all obligations arising from the exclusion, including contractual and legal obligations.

As long as the site and services are provided free of charge, we shall not be liable for any loss or damage.

Privacy Policy for AILend

At AILend, accessible from ailend.io one of our main priorities is the privacy of our visitors. This Privacy Policy document contains the types of information that are collected and recorded by AILend and explains how we use that information.

If you have any additional questions or need further information regarding our Privacy Policy, please do not hesitate to contact us. Our Privacy Policy was created with the help of a Privacy Policy Generator.

Log Files

AILend follows a standard procedure of using log files. These files record visitors when they visit websites. All hosting companies do this as part of their hosting analytics. The information collected by log files includes IP addresses, browser type, Internet Service Provider (ISP), date and time stamps, referring/exit pages, and possibly the number of clicks. This information is not linked to any data that can personally identify you. Its purpose is to analyze trends, administer the site, track user movement on the website, and gather demographic information.

Our Advertising Partners

Some advertisers on our website may use cookies and web beacons. Our advertising partners are listed below. Each of our advertising partners has their own privacy policy regarding their user data practices. For your convenience, we provide links to their respective Privacy Policies.

Privacy Policies

You can consult this list to find the Privacy Policy for each of AILend's advertising partners.

Third-party ad servers or ad networks may use technologies such as cookies, JavaScript, or Web Beacons in their respective advertisements and the links that appear on AILend, which are sent directly to your browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the content of the ads you see on the websites you visit.

Note that AILend has no access to or control over these cookies that are used by third-party advertisers.

Children's Information

Another priority is increasing protection for children during online usage. We encourage parents and guardians to monitor, participate in, and/or supervise and guide their children's online activities. AILend does not knowingly collect any Personally Identifiable Information from children under the age of 13. If you believe that your child has provided such information on our website, please contact us immediately and we will make our best efforts to promptly remove such information from our records.

Online Privacy Policy

This Privacy Policy applies only to our online activities and is valid for visitors to our website in relation to the information that they share and/or collect on AILend. This policy is not applicable to any information collected offline or via channels other than this website.

Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms and conditions.