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    So many needs, so many solutions
    personal loan

    So many needs, so many solutions

    Whether you want to renovate your home, buy a new car or be prepared for unexpected expenses, we support you with up to 250.000 lei.

    Apply for credit

    INTEREST FROM 6.49%

    Fixed interest rate between 6.49% - 18.50%

    UP TO 250.000 lei

    Or up to 100,000 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.

    NEED CASH FAST?

    Get up to 100.000 lei WITH BT PAY

    • Minimal effort and documentation
    • Get the answer fast
    • You don't have to come to the bank
    Come into BT Pay

    Simulate a loan

    How much do you want to borrow?
    LEI
    • The minimum amount you can borrow is 5.000 LEI
    The maximum amount you can borrow is 250.000 LEI
    5.000 LEI 250.000 LEI
    Monthly instalment
    103 READ

    It's good to know that the final offer is personalized and takes into account several elements such as BT account, addition of life and unemployment insurance policy, external refinancing, relationship history with the bank, payment behavior for 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 .

    Apply for credit View due date
    Credit simulation
    Product
    PERSONAL NEEDS
    Generated in
    July 09, 2025
    Loan currency
    LEI
    Amount borrowed
    5,000.00 LEI
    Loan period
    5 years
    Interest rate
    8.5%
    Interest type
    Fixed
    Annual effective interest rate
    12.18%
    Monthly rate
    103 LEI / month
    Total amount to be paid
    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 .

    Apply for creditSee due date
    Change the calculation
    Choose your credit currency
    How much do you want to borrow?
    LEI
    The minimum amount you can borrow is 5.000 LEI
    The maximum amount you can borrow is 250.000 LEI
    5.000 LEI 250.000 LEI
    How many years do you want to pay back the loan?
    Choose interest rate

    Fixed interest rate
    The interest rate is fixed when the loan is signed and remains fixed throughout the financing period.

    Variable interest
    Variable interest is made up of an index (either IRCC or 6-month EURIBOR) depending on the currency and type of loan plus a fixed margin.

    Do you collect your salary at BT?
    Do you include life insurance and unemployment?
    How do you want to get your rates?

    It's good to know that the figures shown are for information only and do not represent the final offer from BT. The interest rate is fixed throughout the loan period and ranges from 6.49% to 18.50%. The final offer is personalized and takes into account several elements such as: the collection of the income in the BT account, the addition of the 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, which can be viewed and changed in the simulator settings.

    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.

    Apply for credit

    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.

    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
    AWARD CONDITIONS

    up to 250.000 lei

    So many plans,
    so many advantages.

    Apply for credit

    SEE WHAT CREDIT SUITS YOU

    Personal, student or real estate loans. See the features of each type of loan and choose the one that's right for you, depending on your plans.

    Compare loans
    Refinance your loan with BT

    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.

    I want to refinance

    RAPID HELP

    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're thinking of taking out a new loan, you can calculate your monthly repayments online in the BT loan simulator and then find out over the phone if you're on track for the amount you want. Come in to any BT branch to discuss all the details or find out more online from our website, where we've got all your borrowing options ready for you. 😉


    *It is important to keep in mind that the simulator results are indicative. You can get a personalized answer in any of our units, where a consultant will discuss with you.  

     

    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! In this case you benefit from preferential interest rates and fees on loans for individuals. 😎


    For more details we are waiting for you in any BT unit.


    ❗❗⠀If you're thinking of taking a credit:

    ➤➤⠀you can calculate your monthly installments online in BT loan simulator;

    ➤➤⠀and then find out over the phone if you qualify for the amount you want. 😃

    There is no minimum income threshold to apply for a BT credit. But it's good to know that your income affects the amount you can borrow and therefore the monthly rate you will pay. 

    To get an idea of the rate, you can do a quick simulation here or we are waiting for you in any BT establishment so we can find the best option for you. 🤗

    See all questions

    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.

    Apply for credit
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    AI Search provides automatically generated answers, using GPT-4o 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 GPT-4o 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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