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Call Center

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0264 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.

Costs

Okay, fine, but... how much is the interest?

It's up to you. You can choose the type of interest on the amount borrowed.

It's good to know that the fixed interest is between 8.40% and 18,50%and the calculation below is for information only. 

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

  • mI cash my income at BT

Loan in lei

Fixed interest rate
between 8.40% and 18.00%.
Variable interest rate
12,97%* (IRCC + 7.00pp)
Variable interest with life insurance and unemployment
12,47%* (IRCC + 6.50pp)
  • mI don't cash in my income at BT

Loan in lei

Fixed interest rate
between 10.25% and 18.50%
Variable interest rate
13,22%* (IRCC + 7.25pp)
Variable interest with life insurance and unemployment
12,72%* (IRCC + 6.75pp)

Loan in euro

Variable interest rate
10,36%* (EURIBOR6M + 6.50pp)
Variable interest with life insurance and unemployment
9,86%* (EURIBOR6M + 6.00pp)

* In the case of variable interest loans, it consists of the fixed margin of the bank plus the IRCC or EURIBOR benchmark index at 6 months and varies depending on the evolution of the benchmark and exchange rate. The interest rate 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, you need to know that we have certain fees. It's normal to know them.   

Commission
Value
Credit file analysis (for variable interest loans)
200 lei for loans in lei or 50€ for loans in euro
Credit file analysis (for fixed-rate loans)
200 lei for loans in lei
Annual administration fee 
zero lei
Services offered on request
50 lei / service
Registration fee at the RNPM (National Register of Mobile Advertising)
87.6 lei / guarantee
Insurance premium
2.80% of the loan amount, payable in a single instalment when the loan is granted (from own sources or from credit)
Partial/full early repayment fee (for variable interest loans)
0%
Partial/full prepayment fee (for fixed-rate loans)
0.5% of the amount repaid if repayment is made less than 12 months before the due date.
1% of the amount repaid otherwise

Representative examples

Loans in RON

  • mWith fixed interest, if you receive the proceeds in a BT account and choose the credit with insurance (decreasing rates)
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
fixed 11.50%
Monthly instalment
1,129 lei
AER (Annual Percentage Rate of Charge)
13,92%
TOTAL COST OF THE LOAN
14,060 lei
TOTAL AMOUNT OF PAYMENT
57,060 lei

* The insurance cost, included in the total cost of the loan, is 1,204 lei.

  • mWith fixed interest, if you receive the proceeds in a BT account and choose the credit with insurance (equal instalments)
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
fixed 11.50%
Monthly instalment
946 lei
AER (Annual Percentage Rate of Charge)
13,78%
TOTAL COST OF THE LOAN
15,232 lei
TOTAL AMOUNT OF PAYMENT
58,232 lei

* The insurance cost, included in the total cost of the loan, is 1,204 lei.


  • mWith variable interest, if you receive the proceeds in a BT account and choose the credit with insurance (decreasing rates)
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
variable 12.47%* (IRCC + 6.50pp)
Monthly instalment
1,164 lei
AER (Annual Percentage Rate of Charge)
15,04%
TOTAL COST OF THE LOAN
15.120 lei
TOTAL AMOUNT OF PAYMENT
58,120 lei

* In the case of a personal loan with variable interest rate, it consists of the bank's fixed margin, plus the IRCC benchmark and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.

** The cost of the insurance, included in the total cost of the loan, is 1,204 lei.


  • mWith variable interest, if you receive the proceeds in a BT account and choose the credit with insurance (equal instalments)
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
variable 12.47%* (IRCC + 6.50pp)
Monthly instalment
967 lei
AER (Annual Percentage Rate of Charge)
14,89%
TOTAL COST OF THE LOAN
16,496 lei
TOTAL AMOUNT OF PAYMENT
59,496 lei

* In the case of a personal loan with variable interest rate, it consists of the bank's fixed margin, plus the IRCC benchmark and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.

** The cost of the insurance, included in the total cost of the loan, is 1,204 lei.



Loan in euro

  • mWith variable interest, without cashing the income in a BT account, if you choose for the credit with insurance (decreasing rates)
Loan amount
10,000 euros
Duration
5 years (60 monthly installments)
Interest
variable 9.86%* (EURIBOR6M + 6.00pp)
Monthly instalment
249 euro
AER (Annual Percentage Rate of Charge)
12,06%
TOTAL COST OF THE LOAN
2,924 euro
TOTAL AMOUNT OF PAYMENT
12,924 euro

* In the case of a personal loan with variable interest rates, it consists of the bank's fixed margin plus the EURIBOR 6M benchmark and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the EURIBOR 6M monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.

** The cost of insurance, included in the total cost of the loan, is 280 euros.


  • mWith variable interest, without cashing the proceeds in a BT account, if you choose for credit with insurance (equal instalments)
Loan amount
10,000 euros
Duration
5 years (60 monthly installments)
Interest
variable 9.86%* (EURIBOR6M + 6.00pp)
Monthly instalment
212 euro
AER (Annual Percentage Rate of Charge)
11,94%
TOTAL COST OF THE LOAN
3,125 euro
TOTAL AMOUNT OF PAYMENT
13,125 euro

* In the case of a personal loan with variable interest rates, it consists of the bank's fixed margin plus the EURIBOR 6M benchmark and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the EURIBOR 6M monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.

** The cost of insurance, included in the total cost of the loan, is 280 euros.

Credit interest rate benchmarks

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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