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    Credit in brief

    • m Up to 3,500 euros if you want to apply in the Work & Travel program, for 2 years 
    • m Up to €20,000 or €150,000 to continue your studies
    • m You can take it with or without mortgage 
    • m Fixed or variable interest rate
    • f

    Types of loans

    Work & Travel

    We want you to have as many pleasant experiences as possible, so we give you up to 3,500 euros (or the equivalent in lei) for a period of up to 2 years. What exactly do we finance?

    • Work & Travel program enrollment fee
    • Other fees (SEVIS fee, consular fee)
    • The cost of the air ticket
    • Pocket expenses: maximum 15% of the loan amount

    You can sit quietly for 6 months from the moment you receive the loan, because you can choose not to pay anything, neither the installment nor the interest.


    * In order to receive the money, you must be enrolled in a state or private educational program, up-to-date or remote, on budget or with payment, at other institutions or companies that organize professional training programs and prove that you have been accepted into the Work & Travel program.

    Study loan

    Financing of expenses related to studies/specialisation or qualification courses representing the tuition fee.

    From the moment you receive the loan, up to 5 years, you can choose to pay only the interest.

    In the case of loans for financing undergraduate/postgraduate studies , the following expenses related to studies, other than tuition fees, may be added up to a maximum of 2000 euros (equivalent in lei)/year for:

    • the value of accommodation and meals
    • office supplies, stationery and other necessary consumables
    • materials and services related to studies
    • financing of complementary expenditure of grants awarded under educational programmes for student mobility (Erasmus) 

    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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    Most accessed credits for studies

    No real estate guarantee
    With real estate guarantee
    Amount borrowed
    39.000 lei
    Amount borrowed
    200.000 lei
    Loan term
    5 years (60 monthly instalments)
    Loan term
    12.50 years (150 monthly instalments)
    Annual effective interest rate
    14,88%
    Annual percentage rate of charge
    10,58%
    Amount of the first instalment
    902 lei
    Amount of the first instalment
    2146 lei
    Total amount to be paid
    54.396 lei
    Total amount to be paid
    388,785 lei

    As of August 2022 we have a NEW protocol concluded with ANAF, based on the Order of the President of ANAF no. 146/2022 published in the Official Gazette Part I no. 157 of 16 February 2022. The protocol includes the possibility to obtain information on the income of individuals applying for a BT credit. The information is obtained with the consent of the applicant, with the protection and assurance of professional secrecy, with respect for the rights concerning the processing of personal data. The protocol aims to improve the credit application process by simplifying documentation and facilitating access to finance.

    Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
    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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