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  • 0264 308 308 028 or *8028 The number is available from any national network.
    0264 303 003 Hotline for all Romanians who are out of the country, including assistance in English.
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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)
    11,91%* (IRCC + 6.25pp)
    Interest in lei
    (loans up to 186.000 lei)
    12,66%* (IRCC + 7.00pp)
    Interest in euro
    10,32%* (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 11,91%* (IRCC + 6.25pp)
    Monthly instalment
    Starting from 1.330 lei
    AER (Annual Percentage Rate of Charge)
    12,81%
    TOTAL COST OF THE LOAN
    15.423 lei
    TOTAL AMOUNT OF PAYMENT
    65.423 lei

    • mCredit in lei (equal instalments)
    Loan amount
    50.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    variable 11,91%* (IRCC + 6.25pp)
    Monthly instalment
    1.110 lei
    AER (Annual Percentage Rate of Charge)
    12,79%
    TOTAL COST OF THE LOAN
    16.885 lei
    TOTAL AMOUNT OF PAYMENT
    66.885 lei

    • mCredit in euro (decreasing rates)
    Loan amount
    15.000 euro
    Duration
    5 years (60 monthly installments)
    Interest
    variable 10.32%* (EURIBOR6M + 7.75pp)
    Monthly instalment
    Starting from 379 euro
    AER (Annual Percentage Rate of Charge)
    11,00%
    TOTAL COST OF THE LOAN
    4.071 euro
    TOTAL AMOUNT OF PAYMENT
    19.071 euro

    • mCredit in euro (equal instalments)
    Loan amount
    15.000 euro
    Duration
    5 years (60 monthly installments)
    Interest
    variable 10.32%* (EURIBOR6M + 7.75pp)
    Monthly instalment
    321 euro
    AER (Annual Percentage Rate of Charge)
    10,99%
    TOTAL COST OF THE LOAN
    4 401 euro
    TOTAL AMOUNT OF PAYMENT
    19 401 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.

    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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