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  • 0264 308 308 028 or *8028 The number is available from any national network.
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    Loan refinancing

    If you already have a personal loan with another bank, you can enjoy advantageous conditions and a lower monthly installment by refinancing at BT.

    Good to know 

    For fixed-rate loans:

    You can get a reduced cost from 6.50% to 17.20% if you opt for refinancing, cash the income into your BT account and add a life and unemployment insurance policy. Otherwise, interest is fixed throughout the period and ranges from 10.25% to 18.50%.


    For variable-rate loans:

    You get a lower monthly payment by refinancing "balance on balance", i.e. without any additional amount, a loan granted before 8 July 2020 by another bank. 

    We'll take care of the calculations, you just need to know that:

    • The maximum lending period is 10 years for loans secured by chattel mortgages
    • Maximum value of 250,000 lei

    Want to know more? Fill out the form below or come on to any BT. 😊

    Apply for refinancing

    Fill out the form to apply for credit or find out how much you can take. After that, we'll call you to discuss more.

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    Representative examples

    • 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 9.57%
    Monthly instalment
    1.060 lei
    AER (Annual Percentage Rate of Charge)
    11,46%
    TOTAL COST OF THE LOAN
    11.751 lei
    TOTAL AMOUNT OF PAYMENT
    54.751 lei

    *The cost of insurance, 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 9.57%
    Monthly instalment
    905 lei
    AER (Annual Percentage Rate of Charge)
    11,36%
    TOTAL COST OF THE LOAN
    12.565 lei
    TOTAL AMOUNT OF PAYMENT
    55.565 lei

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

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