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    Rapid LOANS

  • Currency

    Lei

    Lei

    Lei

    Lei

    Credit period

    Up to 10 years for the fast loan with material guarantees
    Up to 5 years for quick credit without material guarantees

    Up to 24 months

    Up to 10 years for the fast loan with material guarantees
    Up to 5 years for quick credit without material guarantees

    Up to 24 months

    Benefits

    You don't need to justify the destination of the money.

    The interest applies only to the amount used. You do not have to justify the destination of the money.

    You don't need to justify the destination of the money.

    The interest applies only to the amount used. You do not have to justify the destination of the money.

    Destination

    Payment of salaries, suppliers, state taxes, refinancing of loans from other banks or small investments, such as: renovations, purchase of equipment or of a means of transport.

    Refinancing credit lines from other banks, purchasing raw materials or goods, paying salaries, paying utilities, paying taxes to the state, payments to suppliers.

    Payment of salaries, suppliers, state taxes, refinancing of loans from other banks or small investments, such as: renovations, purchase of equipment or of a means of transport.

    Refinancing credit lines from other banks, purchasing raw materials or goods, paying salaries, paying utilities, paying taxes to the state, payments to suppliers.

    Minimum eligibility conditions
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active filings in the Insolvency Proceedings Bulletin
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active filings in the Insolvency Proceedings Bulletin
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active filings in the Insolvency Proceedings Bulletin
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active filings in the Insolvency Proceedings Bulletin
    Maximum amount

    4,000,000 Lei for the quick loan with material guarantees
    2,000,000 Lei for the quick loan without material guarantees

    4,000,000 Lei for the credit line with material guarantees
    1,600,000 Lei for the credit line without material guarantees

    4,000,000 Lei for the quick loan with material guarantees
    2,000,000 Lei for the quick loan without material guarantees

    4,000,000 Lei for the credit line with material guarantees
    1,600,000 Lei for the credit line without material guarantees

    Taxes and fees

    Awarding commission

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    Non-use commission

    1.5%/year

    1.5%/year

    Management commission

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    Early repayment fee (for loans taken over by other banks)

    2%

    2%

    2%

    2%

    Necessary Documents

    Certificate of fiscal attestation
    Last quarterly trial balance ended
    The last two annual financial statements, together with the corresponding balances and receipts
    The legal-constitutional approval regarding the contracting of the credit
    Documents for the proposed real guarantees, in case the credit is secured by real guarantees
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    Întreb BT is the largest online financial education program of Banca Transilvania, with over 2,000 questions and answers about banking.
    Frequently Asked Questions
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    AI Search provides automatically generated answers, using Claude-Haiku-4.5 technology and an advanced agent orchestration mechanism. The answers may contain inaccurate or potentially offensive content, which does not represent the point of view of Banca Transilvania. You are solely responsible for the use of the content generated by this service. Read .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta version - that uses Claude-Haiku-4.5 technology to simplify the search and understanding process of banking products.

    AI Search is trained to answer questions exclusively related to 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 generated automatically and should be used for informational purposes only. The service may sometimes provide inaccurate or potentially offensive content that does not represent the point of view of Banca Transilvania. You are solely responsible for using 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 it.

    Using AI Search requires acceptance of the Terms and Conditions.

    Access to and use of the service implies unconditional acceptance of these terms and conditions. If you do not agree with 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 all risk regarding the quality, safety, and performance of this service.

    Banca Transilvania does not provide any warranty regarding the answers given by this service.

    AI Search provides algorithmic answers 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 Bank's responsibility for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obliged not to provide or enter any personal data or other confidential information in the messages/questions sent. In case of non-compliance with this obligation, by inserting personal data/confidential information within AI Search, you express your consent for their processing in order to provide the service (answers to the questions you ask), as well as for the improvement of the robot's algorithmic model by its developer.

    Any information provided by users during interaction with AI Search will be treated confidentially, being disclosed only to recipients who have the right and need to know it.

    The content provided by AI Search is for informational purposes only.

    Users are responsible for the questions and messages addressed during the use of AI Search. Any abuse or inappropriate language may lead to the termination of the interaction.

    AI Search does not provide financial, legal, or professional advice and does not replace consulting human experts or specialized professionals in the respective field. Users should not rely on the information provided by AI Search for decision-making.

    The bank reserves the right to interrupt the AI Search service at any time, without prior notice.

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