INTEREST FROM 6.49%
Fixed interest ranging from 6.49% - 18.50%and ZERO analysis fee, up to and including November 14, 2025. See regulation and full 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.
Get up to 120.000 lei WITH BT PAY
Minimal effort and documentation Get the answer fast You don't have to come to the bank
Personal loan
November 09, 2025
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.
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
SEE WHAT CREDIT SUITS YOU
Personal loan, car lease, student loan or real estate loan. 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
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. 🤗
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.
