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    quick LOANS

  • Currency

    Lei

    Lei

    Lei

    Lei

    Credit period

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

    Up to 24 months

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

    Up to 24 months

    Benefits

    You do not need to justify the destination of the money.

    Interest is applied only to the utilized amount. You do not have to justify the destination of the money.

    You do not need to justify the destination of the money.

    Interest is applied only to the utilized amount. 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, the purchase of raw materials or goods, payment of salaries, payment of utilities, payment of 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, the purchase of raw materials or goods, payment of salaries, payment of utilities, payment of taxes to the state, payments to suppliers.

    Minimum eligibility conditions
    • you are not prohibited from issuing bank checks
    • you have no delays in credits recorded in the Credit Risk Center
    • you have no active records in the Insolvency Proceedings Bulletin
    • you are not prohibited from issuing bank checks
    • you have no delays in credits recorded in the Credit Risk Center
    • you have no active records in the Insolvency Proceedings Bulletin
    • you are not prohibited from issuing bank checks
    • you have no delays in credits recorded in the Credit Risk Center
    • you have no active records in the Insolvency Proceedings Bulletin
    • you are not prohibited from issuing bank checks
    • you have no delays in credits recorded in the Credit Risk Center
    • you have no active records in the Insolvency Proceedings Bulletin
    Maximum amount

    4,000,000 Lei for the quick credit 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 credit 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 commissions

    Awarding Committee

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    Unused commission

    1.5%/year

    1.5%/year

    Management fee

    0.15% / month (on the average balance of the credit)

    0.15% / month (on the average balance of the credit)

    0.15% / month (on the average balance of the credit)

    0.15% / month (on the average balance of the credit)

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

    2%

    2%

    2%

    2%

    Necessary Documents

    Tax attestation certificate
    Last quarterly trial balance closed
    The last two annual financial statements, together with the related balances and receipts
    Legal-constitutional approval regarding loan contracting
    Documents for the proposed real guarantees, in case the loan is secured with 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 offers automatically generated answers, using Claude-Haiku-4.5 technology and an advanced orchestration mechanism through agents. 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 .
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    Disclaimer

    AI Search is a pilot project - in beta version - that uses Claude-Haiku-4.5 technology to simplify the process of searching and understanding 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, which does not represent the view of Banca Transilvania. You are solely responsible for using the content generated by this service in any manner. 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.

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    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 algorithmically provided by an artificial intelligence model, you assume all risk regarding the quality, safety, and performance of this service.

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

    AI Search provides algorithmically generated answers and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Transilvania Bank and cannot engage the Bank's responsibility for the provided content.

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    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.

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

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