- 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
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.
