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    Credit in brief

    • m Reserve funds of up to 6 monthly incomes, provided they are within the debt ceiling
    • m The duration of the loan is 12 months, with the possibility of automatic extension
    • m Zero analysis and administration fee
    • m Fast approval in 24h
    • f

    It's good to know

    • The interest is fixed, of 14% / year if you collect the income in the BT account and 17% / year if you do not collect the income at BT
    • The reimbursement of the credit line is made automatically from the available balance in the current account
    • The interest is calculated daily on the amount used from the credit limit granted and must be paid on the last day of the month
    • Each time you fund your current account, you partially repay the credit and reduce your credit limit

    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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    Representative example

    Loan amount
    10.000 lei
    Duration
    1 year
    APR (Annual Percentage Rate of Charge)*
    15,06%
    TOTAL COST OF THE LOAN
    1,410 lei
    TOTAL AMOUNT OF PAYMENT**
    11.410 lei

    * The APR has been calculated for the situation where you withdraw the entire credit line of 10,000 lei from the ATM of Banca Transilvania after granting, using a Visa Classic card, and then pay monthly interest according to the contract, for the entire credit used.
    ** We added the total interest with the costs of using the debit card as a payment instrument.

    We mention that the possibilities of paying the amount used from the granted credit line may be affected by the fluctuation of own income.

     

    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
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    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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