Representative examples for personal loans from BT | Banca Transilvania Skip to main content
You've reached the end of the results
No results found
Popular searches
  • CREDITS
    CARDS
    ACCOUNTS AND TRANSACTIONS
    SAVING AND INVESTING
    INSURANCES
    PREMIUM BANKING
    Reclama
  • ACCOUNTS AND TRANSACTIONS
    Financing
    CARDS
    Payment solutions
    SAVING AND INVESTING
    Specialised sectors
    Reclama - opens in a new tab
  • Careers
    Newsroom
    Blog
    Podcast
    BT Community
  • We have made a firm commitment to Romanians and local entrepreneurs in supporting their dreams, BT being the partner with whom they can start their journey.
    OMER Tetik
    CEO Banca Transilvania
    • Open online account
    Call Center
    • Call Center status meter dynamic emoji
    High waiting time!

    We are currently experiencing a very high number of calls in our Call Center. If you have an urgent problem, call now, otherwise we'll wait for you later. For quick answers try Ask BT - opens in a new tab or BT Visual Help - opens in a new tab.

    • 0264 308 308 028 or *8028The number is available from any national network. Standard rate.
    0264 303 003Hotline for all Romanians who are out of the country, including assistance in English. Standard tariff.
    Fraud assistance
    If you suspect fraud on your account, quickly call 0264 308 055. Standard rate.
    BT AI Chat acronym - opens in a new tab
    Search with AI Search - opens in a new tab

    AI Search on Ask BT answers all your banking questions.

    - opens in a new tab
    BT Visual Help - opens in a new tab

    Quickly view your account details, call 0264 308 000 and receive an SMS with the access link.

    Example
    representative

    Choose the type of credit
    • Student loan in lei with real estate guarantee (equal installments)
    Loan amount
    200.000 lei
    Duration of the loan
    12 years and 6 months (150 installments)
    Interest
    variable 9.68%* (IRCC + 4.00pp)
    Monthly instalment
    2.304 lei
    APR (Annual Percentage Rate of Charge)
    10,38%
    Analysis fee
    500 lei
    Annual administration fee
    150 lei/year
    Total cost of the loan
    148.655 lei
    Total amount to be paid
    348.655 lei
    *For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
    Student loan in lei with real estate collateral (decreasing installments)
    Loan amount
    200.000 lei
    Duration of the loan
    12 years and 6 months (150 installments)
    Interest
    variable 9.68%* (IRCC + 4.00pp)
    Monthly instalment
    starting at 2,947 lei
    APR (Annual Percentage Rate of Charge)
    10,42%
    Analysis fee
    500 lei
    Annual administration fee
    150 lei/year
    Total cost of the loan
    124.920
    Total amount to be paid
    324.920
    *For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
    Student loan in lei, variable interest, without mortgage (equal installments)
    Loan amount
    39.000 lei
    Duration of the loan
    5 years (60 installments)
    Interest*
    variable 13.43%* (IRCC + 7.75pp)
    Monthly instalment
    896 lei
    APR (Annual Percentage Rate of Charge)
    14,56%
    Analysis fee
    200 lei
    Annual administration fee
    0 lei
    Total cost of the loan
    15.047 lei
    Total amount to be paid
    54.047 lei
    *For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
    Student loan in lei, without mortgage guarantee (decreasing installments)
    Loan amount
    39.000 lei
    Duration of the loan
    5 years (60 installments)
    Interest*
    variable 13.43%* (IRCC + 7.75pp)
    Monthly instalment
    starting from 1.086 lei
    APR (Annual Percentage Rate of Charge)
    14,58%
    Analysis fee
    200 lei
    Annual administration fee
    0 lei
    Total cost of the loan
    13.601 lei
    Total amount to be paid
    52.601 lei
    *For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
    Work&Travel credit in lei, with fixed interest if you receive your earnings in a BT account (equal installments)
    Loan amount
    17.000 lei
    Duration of the loan
    2 years (24 installments)
    Interest
    9%
    Monthly instalment
    777 lei
    APR (Annual Percentage Rate of Charge)
    10,67%
    Analysis fee
    200 lei
    Annual administration fee
    0 lei
    Total cost of the loan
    1.927 lei
    Total amount to be paid
    18.927 lei
    Work&Travel loan in lei, with fixed interest, if you receive your income in a BT account (decreasing rates)
    Loan amount
    17.000 lei
    Duration of the loan
    2 years (24 installments)
    Interest
    9%
    Monthly instalment
    starting from 836 lei
    APR (Annual Percentage Rate of Charge)
    10,71%
    Analysis fee
    200 lei
    Annual administration fee
    0 lei
    Total cost of the loan
    1.881 lei
    Total amount to be paid
    18.881 lei
    Work&Travel euro fixed-rate Work&Travel credit if you receive your earnings in a BT account (equal installments)
    Loan amount
    3.500 euro
    Duration of the loan
    2 years (24 installments)
    Interest
    8%
    Monthly instalment
    160 euro
    APR (Annual Percentage Rate of Charge)
    10,95%
    Analysis fee
    50 euro
    Annual administration fee
    0 lei
    Total cost of the loan
    405 euro
    Total amount to be paid
    3 905 euro
    Work&Travel euro fixed-rate Work&Travel loan, if you receive your earnings in a BT account (decreasing rates)
    Loan amount
    3.500 euro
    Duration of the loan
    2 years (24 installments)
    Interest
    8%
    Monthly instalment
    from 172 euro
    APR (Annual Percentage Rate of Charge)
    11%
    Analysis fee
    50 euro
    Annual administration fee
    0 lei
    Total cost of the loan
    395 euro
    Total amount to be paid
    3 895 euro

    Credit interest rate benchmarks

    See the quarterly evolution
    BT AI Chat
    The system is experiencing problems. Try again a little later.
    Intreb BT logo
    Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
    Search suggestions
    Powered by Azure OpenAI GPT-5
    AI Search provides automatically generated responses using GPT-5 technology and an advanced agent orchestration mechanism. Responses may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for the use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project—currently in beta—that uses GPT-5 technology to simplify the process of searching for 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.