Bringing the digital experience to the field of personal finance

Briefly in numbers
288,000+ customers
66M total assets
+1,500 points of sale
131 employees
stafi iute albania

Our vision

We foresee a future in which it is common to spend regular monthly income by splitting it between various regular, scheduled payments for goods and services that improve quality of life during the agreed time window.
Some of these payments will be credit repayments. The trick is to make the installments very easy to execute, turning them into a seamless part of everyday life.
As a group, we aim to serve millions of customers and that means that we constantly strive to attract the best talent, implement the latest technology.

Tarmo Sild & Allar Niinepuu

Our values

Bringing a transparent financial solution, while being a socially responsible corporate.

  • We bring the competence of e-Estonia to help develop and digitize the financial sector.


  • We help develop local economy to be more transparent.


  • We believe money is a means to achieve your goals, not a goal by itself.
  • We contribute to the social environment of the countries we operate in.


  • We are a responsible corporate citizen and a solid taxpayer.
iute albania - zbuloni me shume rreth nesh


We started our business activity in Albania in 2015 and since then we are the leading personal finance company.

  • Albania

  • Bulgaria

  • Moldova

  • North Macedonia

Team & management

Our core team has an extensive background in finance sector, strategic business management and customer experience.

We originate from a digital nation, and always work to bring the smoothest and well-executed solutions to you.

Tarmo Sild

Chief Executive Officer and co-founder


Allar Niinepuu

Chief Commercial Officer and co-founder


Kristel Kurvits

Chief Financial Officer


Tarvo Rahumägi

Chief Risk Officer


Mart Nael

Chief Operating Officer


Goksu Tugay

Chief Customer Experience Officer


Kadi Raudsepp

Chief Legal Officer

Career at iute
We are always looking for ambitious and talented individuals to join our team.
pervojen digjitale ne fushen e financave personale - zbuloni iute albania
pervoja digjitale ne fushen e financave personale - iute albania
sjellim pervojen digjitale ne fushen e financave personale

Ema, Customer Advisor:

“By being supportive and constructive, we can move forward together. Do you have questions or need help? Contact me – I’m here to help!”