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Useful information
Explanatory guide for credit terms
Car loan
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)
(loans up to 96.000 lei)
12,15%* (IRCC + 6.25pp)
Interest in lei
(loans up to 186.000 lei)
(loans up to 186.000 lei)
12,90%* (IRCC + 7.00pp)
Interest in euro
11,60%* (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 credits in lei,
EUR 50 for loans in euro
EUR 50 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
Loan amount
50.000 lei
Duration
5 years (60 monthly installments)
Interest
variable 12.15%* (IRCC + 6.25pp)
Monthly instalment
1,340 lei
AER (Annual Percentage Rate of Charge)
13,08%
TOTAL COST OF THE LOAN
15,728 lei
TOTAL AMOUNT OF PAYMENT
65,728 lei
Loan amount
50.000 lei
Duration
5 years (60 monthly installments)
Interest
variable 12.15%* (IRCC + 6.25pp)
Monthly instalment
1,116 lei
AER (Annual Percentage Rate of Charge)
13,06%
TOTAL COST OF THE LOAN
17,248 lei
TOTAL AMOUNT OF PAYMENT
67,248 lei
Loan amount
15.000 euro
Duration
5 years (60 monthly installments)
Interest
variable 11.60%* (EURIBOR6M + 7.75pp)
Monthly instalment
395 euro
AER (Annual Percentage Rate of Charge)
12,43%
TOTAL COST OF THE LOAN
4,561 euro
TOTAL AMOUNT OF PAYMENT
19,561 euro
Loan amount
15.000 euro
Duration
5 years (60 monthly installments)
Interest
variable 11.60%* (EURIBOR6M + 7.75pp)
Monthly instalment
331 euro
AER (Annual Percentage Rate of Charge)
12,41%
TOTAL COST OF THE LOAN
4,977 euro
TOTAL AMOUNT OF PAYMENT
19,977 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.
