INTEREST FROM 6.49%
Fixed interest rates ranging from 6.49% to 18.50% and ZERO application fee, through April 17, 2026.
UP TO 250.000 lei
Or up to 120,000 lei directly from BT Pay.
REPAYMENT IN UP TO 5 YEARS
In equal or decreasing monthly installments.
DO WHAT YOU WANT WITH THE MONEY
How you use your money is up to you.
Personal loan
April 7, 2026
LEI
5,000.00 LEI
5 years
8.5%
Fixed
10.17%
103 LEI / month
6.383 LEI
It is good to know that the final offer is personalized, ranging from 6.49% to 18.50% and takes into account several elements such as: the collection of the income in the BT account, the addition of life and unemployment insurance policy, external refinancing, the history of the relationship with the bank, the payment behavior for the outstanding installments, etc. a.
The amount of the monthly rate also depends on the parameters chosen for the calculation (return period, variable interest rate). These can be consulted and modified from .
FINANCIAL PROTECTION
Sometimes the hard days come, and for times like these it's good to be protected. You can opt for Metropolitan's life and unemployment/sickness insurance for the unexpected.
AWARD CONDITIONS
Romanian citizenship Good payment behavior Salary, pension or other stable income for at least 3 months Fulfilling the eligibility criteria for each type of credit
100% online via BT Pay
Do you need up to 120,000 lei quickly? BT Pay can help you out with an online loan, without having to visit the bank. Everything is digital and super simple: you run a simulation, apply, sign, and the money goes straight into your account. Right when you need it.
Download the BT Pay app and go to the "Credits" section. Select the amount you need and the repayment period We perform ANAF verification digitally, without income certificates. You receive the contract and sign it directly in the application. The money is yours 🎉 The amount is instantly transferred to your BT account.
Banking 360°
With BT Pay, managing your loans becomes super simple.
Credit 100% ONLINE
Apply for a personal loan directly from the app.
Keep track of payments
See how much you have paid on your loan, see your installments, interest rate and the date of the next installment.
Transaction history
You have access to all the information about your credit: how much you have paid, the date you took it out, the amount, the amount outstanding, the date your credit ends.
Repayment schedule
See it in real time and download it when you need it.
SEE WHAT CREDIT SUITS YOU
Online credit for personal needs, car leasing, student loans or real estate. See the features of each type of loan and choose the one that's right for you, depending on your plans.
Refinance your loan with BT
For fixed interest loans you can get a reduced cost of between 6.49% and 18.50% if you refinance a loan from another bank, cash the proceeds into your BT account and add a life and unemployment insurance policy. For variable rate loans, you can get a lower monthly rate by refinancing a loan granted before July 8, 2020 by another bank for a maximum period of 10 years, with no additional amount.
RAPID HELP
The maximum term is 5 years. Choose a term that allows for a monthly payment that fits your budget.
Whatever you need. No justification is required—just use the money exactly where it helps you the most.
If your paycheck is deposited into your BT account, you can:
- No fees for opening, managing, or closing the account;
- preferential interest rates on loans;
- No fees for receiving your paycheck.
These benefits depend on whether there is an agreement between the employer and the bank.
Yes. As long as you stay within the maximum debt-to-income ratio, you can take out a new loan even if you already have other outstanding loans.
No. TheBT Personal Loandoes not have a monthly service fee.
There is no minimum income threshold to apply for a BT loan. However, it is important to note that your income affects the amount you can borrow and, consequently, the monthly payment you will make.
To get an idea of the rate, you can quickly run a simulation here or visit any BT branch to find the best option for you. 🤗
Yes. If you have your paycheck deposited at BT, you can get a better interest rate and avoid the hassle of monthly payments—the installment is paid automatically, so you don’t have to worry about missing a due date. It’s a convenient and secure solution for your budget.
You'll need:
- at least 3 months with your current employer, unless this is your first job
- at least 6 months if this is your first employer
Yes, it is possible. A record with the Credit Bureau does not automatically mean your loan application will be denied. We’ll review the nature of the record, your credit history, and your current situation, and work with you to explore your options.
If you're thinking about taking out a new loan, you can calculate your monthly payments online using the BT loan simulator and then call to find out if you qualify for the amount you want. Come to any BT branch to discuss all the details, or check out our website, where we’ve listed all our loan options. 😉
*Please note that the results from the simulator are for informational purposes only. You can get a personalized response at any of our branches, where a consultant will discuss your options with you.
You will sign:
- loan application
- loan agreement
- data processing agreements
- and other documents specific to your situation
We'll walk you through each step so you feel comfortable with everything you sign.
Your debt-to-income ratio can increase when your income goes up or your monthly expenses go down. Basically, you have more room in your budget for a monthly payment.
In such situations, we can explore options together, such as:
- a reduction in the amount requested;
- extending the credit period;
- the inclusion of additional revenue;
- closing other existing loans.
The goal is to find a realistic and safe solution for you.
Typically, you'll need:
- identity card
- ANAF approval for income verification
- other documents, if the selected product requires additional verification
Everything is as simple as possible, and much of the information is available directly online.
When it comes to your credit, it's good to always be well informed. 😉
So, when it comes to granting a loan, you need to follow these steps:
- Submit your request online or at the facility.
- Please provide the necessary documents.
- We are conducting a financial analysis.
- You will receive the approval decision.
- Sign the contract (digitally or in person).
- The money will be deposited into your account.
We'll explain everything step by step so it's easy to follow.
The processing time depends on the product and how quickly we can verify the documents. It can take anywhere from a few minutes to a few days. Online, things usually move faster.
You can choose what works best for you:
- Fixed payments give you the same monthly amount and predictability;
- Declining rates start higher but decrease over time and can result in a lower total cost.
The important thing is to choose the option that fits your budget.
The bill can be paid:
- automatically, directly from your account;
- from the mobile banking app;
- at the counters;
- by bank transfer.
If the due date falls on a non-business day, it’s a good idea to have the money in your account by the last business day.
Of course. You can repay the loan at any time, either in part or in full. If you have a variable interest rate, there is no fee. For fixed-rate loans, there is a small fee set by law.
It’s good to know that you have the flexibility to shorten the payment period or reduce the payment amount when your budget allows.
Yes, you choose the date that works best for you—usually based on when you receive your income. Under certain circumstances, the date can be changed later.
If this happens, it’s important to let us know as soon as possible. Together, we’ll explore options such as deferring your payments or adjusting your loan terms to help you get through this period more easily.
Refinancing is the process of applying for a new loan to pay off your existing loan or loans early and, possibly, have some money left over. 😊
Refinancing is recommended when:
➤⠀results in a significant reduction in costs, either through a more favorable price or through the option to request a longer loan term;
➤⠀You want to consolidate multiple loans into a single loan so that you have a single monthly payment that is lower than the total of all your previous monthly payments.
WHY PUT OFF WHAT YOU WANT?
With personal loans from BT, you get the money exactly when you need it, hassle-free. For big plans or unexpected expenses, it's simple, fast and flexible. Apply online and enjoy the freedom to say yes to your plans.
