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    Costs

    Okay, fine, but... how much is the interest?

    It's up to you. You can choose the type of interest for the amount borrowed.

    Interest in lei
    (loans up to 96.000 lei)
    12,24%* (IRCC + 6.25pp)
    Interest in lei
    (loans up to 186.000 lei)
    12,99%* (IRCC + 7.00pp)
    Interest in euro
    10,86%* (EURIBOR6M + 7.75pp)

    * The interest rate consists of the bank's fixed margin plus the ircc or euribor reference index at 6 months and varies depending on the evolution of the reference index and the exchange rate. The interest will be updated and modified by the bank quarterly, depending on the IRCC or EURIBOR monetary index at 6 months.


    What other costs does this loan entail?

    Because we want to have a relationship based on transparency and trust, we want you to know that we have certain fees. It's normal to know them and to know about them.

    Commission
    Value
    File analysis
    200 lei for loans in lei,
    50 euro for loans in euro
    Early repayment fee
    zero lei
    One-off fee for services provided on request
    50 lei / service
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87,60 lei for each guarantee
    Minimum advance of 15% of the value of the vehicle
    can be deposited in your current account (from where the payment will be made later) or paid directly to the seller

    Representative examples

    • mCredit in lei (decreasing rates)
    Loan amount
    50.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    variable 12,24%* (IRCC + 6.25pp)
    Monthly instalment
    Starting from 1.343 lei
    AER (Annual Percentage Rate of Charge)
    13,18%
    TOTAL COST OF THE LOAN
    15.843 lei
    TOTAL AMOUNT OF PAYMENT
    65.843 lei

    • mCredit in lei (equal instalments)
    Loan amount
    50.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    variable 12,24%* (IRCC + 6.25pp)
    Monthly instalment
    1.118 lei
    AER (Annual Percentage Rate of Charge)
    13,16%
    TOTAL COST OF THE LOAN
    17.385 lei
    TOTAL AMOUNT OF PAYMENT
    67.385 lei

    • mCredit in euro (decreasing rates)
    Loan amount
    15.000 euro
    Duration
    5 years (60 monthly installments)
    Interest
    variable 10.86%* (EURIBOR6M + 7.75pp)
    Monthly instalment
    Starting from 386 euro
    AER (Annual Percentage Rate of Charge)
    11,59%
    TOTAL COST OF THE LOAN
    4 276 euro
    TOTAL AMOUNT OF PAYMENT
    19 276 euro

    • mCredit in euro (equal instalments)
    Loan amount
    15.000 euro
    Duration
    5 years (60 monthly installments)
    Interest
    variable 10.86%* (EURIBOR6M + 7.75pp)
    Monthly instalment
    325 euro
    AER (Annual Percentage Rate of Charge)
    11,58%
    TOTAL COST OF THE LOAN
    4.641 euro
    TOTAL AMOUNT OF PAYMENT
    19.641 euro

    * In the case of car loans, the variable interest rate is formed by the bank's fixed margin plus the IRCC or EURIBOR 6M reference index and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index or EURIBOR 6M. The change in benchmarks as well as the fluctuation of revenues may influence the possibility of paying the loan instalments or the total amount payable.

    Credit interest rate benchmarks

    How much can you borrow?

    To apply for a credit or simply to find out how much you can get, fill in the form below. We will call you back within the timeframe of your choice.

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    Search suggestions
    Powered by Azure OpenAI GPT4
    AI Search provides automatically generated responses, using GPT4 technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT4 technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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