INTEREST FROM 6.49%
Fixed interest rate ranging from 6.49% to 18.50%.All-inclusive costs.
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 3, 2026
LEI
5,000.00 LEI
5 years
8.5%
Fixed
12.18%
103 LEI / month
6.583 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.
Well, you have a lot! 😃 Payattention:
❶⠀You are not charged any fees for receiving your salary. Basically, you receive exactly what you earn, not a penny less;
❷⠀There are no fees for opening, managing, or closing account. Basically, you get rid of them most of the time;
❸⠀You get preferential interest rates on loans. Yep, yep, yep! On all of them!
And the only condition for all these benefits is that there is a salary transfer agreement between us and your employer. Cool, right? 😎
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! In this case, you benefit from preferential interest rates and fees on personal loans. 😎
For more details we are waiting for you in any BT unit.
❗⠀If you are considering taking out a loan:
➤⠀You can calculate your monthly payments online using the the BT loan simulator;
➤⠀and then you find out by phone if you qualify for the desired amount. 😃
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
If you are registered with the Credit Bureau, it does not necessarily mean that you can no longer take out a loan with us. Instead, it means that we will look at your financial and family situation alongside the situation you present to the Credit Bureau. This is how we will see if you are eligible for a new loan, according to BT's lending rules and policies.
If you are considering taking out a new loan, you can calculate the monthly installments online using the the BT loan simulator and then find out by phone if you qualify for the desired amount. Come to any BT branch to discuss all the details or check out our website, where we have prepared all the loan options for you. 😉
*It is important to note that the results from the simulator are indicative. 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 take the following steps:
❶⠀Performing a pre-scoring:
➤ If you don't want to go to the bank, you can always do a pre-scoring using the BT credit simulator
❗⠀Please note that the results from the simulator and credit pre-scoring are indicative.
You can only get a definite answer when you come in person to any of our offices.
❷⠀Preparing the credit file:
More specifically, this is when you need to bring all the necessary documents for the type of loan you want. 📑
But don't worry, this step is much simpler than it seems, because our colleagues at the agencies will guide you carefully so that no documents are missing. 😊
❸⠀Analysis of the file:
This is where we actually come in, #BankPeople, and take over. Basically, at this point, we check various values such as the maximum debt ratio. 🤓
If we need further clarification regarding your income, we may contact you. 📞
But don't worry, we just want to make sure everything is okay! 🧐
❹⠀Approval or rejection of the credit application:
In other words, at this step you find out exactly:
➤⠀whether or not you receive the requested credit;
➤⠀and what alternative solutions there are if things don't go as planned. 👍
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.
Well, let's see what makes each one unique. 😊
Repayment in equal installments means that your monthly payment will be the same every month, and the total interest paid will be higher than with decreasing installments.
With a decreasing repayment schedule, the payment you make will be higher at the beginning of the loan term and will gradually decrease until the end of the repayment period. Additionally, the total interest you pay will be lower than with a fixed repayment schedule.
Basically, the payment is calculated by applying the interest rate to the balance, and as the loan balance decreases—because you are gradually paying it off—the interest portion of the payment begins to decrease.
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 request full or partial early repayment of all or part of your outstanding BT loan. Simply deposit the amount you want to prepay into your current account and then take your ID to any BT branch to complete the early repayment request.
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.
In the event of unforeseen circumstances (decrease in income, job loss, health problems, divorce/property division, etc.), we will work together to find solutions to ensure that you can continue to pay your installments. All you need to do is visit any BT branch 😊.
If you are considering taking out a loan, you can calculate your monthly payments online using the BT loan simulator and then find out by phone whether you qualify for the desired amount.
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.
