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Download BT Pay

Scan the code with your mobile phone, depending on your phone system.

Download BT Pay

Scan the code with your mobile phone, depending on your phone system.

Download BT Pay

Scan the code with your mobile phone, depending on your phone system.

Download NeoBT

Scan the code with your mobile phone, depending on your phone system.

Download NeoBT

Scan the code with your mobile phone, depending on your phone system.

Download NeoBT

Scan the code with your mobile phone, depending on your phone system.

Download BT24

Scan the code with your mobile phone, depending on your phone system.

Download BT24

Scan the code with your mobile phone, depending on your phone system.

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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 7.80% to 17.40% 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 9.85% to 18.10%.


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 10.94%
Monthly instalment
1,109 lei
AER (Annual Percentage Rate of Charge)
13,01%
TOTAL COST OF THE LOAN
13,248 lei
TOTAL AMOUNT OF PAYMENT
56,248 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 10.94%
Monthly instalment
934 lei
AER (Annual Percentage Rate of Charge)
12,90%
TOTAL COST OF THE LOAN
14,310 lei
TOTAL AMOUNT OF PAYMENT
57,310 lei

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