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  • Loan up to 150 000 lei
  • Installments plan up to 12
  • 1 Point = 1 leu

Need to buy something today, but don’t have the full amount?

A shopping card will help you to get the goods you want, paid by installments!

Maximum amount 150.000 lei
Grace period up to 56 days 
Validity 5 years
 
Issuance fee free of charge
Administration fee free of charge until 2021/12/01
Full list of fees  
       Conditions for granting:
  •  To be a resident of the Republic of Moldova
  •  Age 18 – 65 years old
  •  Have at least four months seniority at the current employer
  •  You shall have no negative credit history
     
         What is important to know:
  •  For income obtained from official sources the income documents   are not needed
  •  The loan is granted for 5 years and can be automatically extended
  •  Receive a bonus of 10 Star points (the equivalent of 10 lei) from   Victoriabank after first use the STAR card at merchants shops
  •  Pay and reimburse the full amount between the 1st and 25th. In case of payment of the purchase in full, and repayment by the 25th day of the next month, the interest rate is equal to 0. Otherwise, the interest rate is 10.63% per annum
  •  The grace period is calculated from the time of purchase until the   25 of the following month

Payment in 0% rates  to partners? Easy!

 Come to STAR partners store

 Request payment in installments

The amount paid decreases the available credit

Get the “Payment in installments” receipt

Example of repayment of rates

You have a STAR shopping card with a credit line of 3000 lei

You want to renovate your apartment and buy building and furnishing materials from a STAR partner store.

You pay 1800 lei in 6 installments (300 lei) without interest, on May 15 and you stay on the card with 1200 lei.

How NOT to pay the interest

In order not to pay the interest, make sure you have paid the installment up to 25 of each month. If you do not deposit the full rate, you need to deposit 5% of the amount used and your interest will be calculated at 10.63%. Whatever you deposit, you can immediately use it for other purchases.
Payment Regulation in installments without interest

Tip: For monthly payments, use the free VB24 Web or VB24 Mobile application.

Star points on any full payment

Up to 15% of the value of purchases from Star partners

0.25% of the value of purchases in the Republic of Moldova

0.1% of the value of purchases abroad

Example for full payments

You have a STAR shopping card with a credit line of 3000 lei

On May 15 you buy 500 lei worth of products that you buy in full.

How NOT to pay the interest

In order not to pay the interest, you must pay the amount you used until the 25th of the following month. If you deposit after the 25th of the following month, the interest rate of 10.63% will be calculated.

Tip: For monthly payments, use the free VB24 Web or VB24 Mobile application to transfer between your cards.

Representative example

 

Calculation example at an interest rate of 10.63%, after the grace period has expired: 

When using a STAR Card with a revolving credit line of 3,000 lei, the required monthly payment to repay the loan is 150 lei, the maximum interest payment is 27.08 lei, total maximum monthly payment is 171.08 lei. DAE (effective annual rate) on a loan used in cash will amount to 11.16%, total amount payable (loan amount + overpayment amount) – 3507.65 lei.

* The above calculations are preliminary, taking into account possible variations in the number of days between loan payments.

How can I quickly find out about my account and cards?

VB24 Mobile – free application for your mobile phone. Download it from the App Store or Google Play, check your account balance, change transaction limits, change currency online, make money transfers.