INTEREST STARTING FROM 5,99%
Fixed interest rate between 5.99% - 18.50% and ZERO analysis fee for personal loans with fixed interest rate. Campaign active until 11/20/2026 inclusive. Regulation. Complete costs.
UNTIL 250,000 lei
Or up to 120,000 lei directly from BT Pay.
REFUND UP TO 5 YEARS
In equal or decreasing monthly installments.
DO WHAT YOU WANT WITH MONEY
The way you use money depends only on you.
Personal loan
14 noiembrie 2026
LEI
55,000.00 LEI
5 years
8.5%
Rigid
10.17%
1,128 LEI / month
69,333 LEI
It is good to know that the final offer is personalized, ranging between 5.99% and 18.50% and takes into account several elements such as: income collection in the BT account, adding life and unemployment insurance policy, external refinancing, the history of the relationship with the bank, payment behavior for ongoing installments, etc.
The value of the monthly rate also depends on the parameters chosen for calculation (repayment period, variable interest rate). These can be consulted and modified from .
FINANCIAL PROTECTION
Sometimes there are harder days as well, and for moments like these it is good to be protected. You can opt for life and unemployment/hospitalization insurance from Metropolitan for unforeseen situations.
GRANT CONDITIONS
- Romanian citizenship
- Good payment behavior
- Salaries, pensions or other types of stable income for a minimum of 3 months
- Fulfillment of the eligibility criteria for each type of credit
100% online through BT Pay
Do you need up to 120,000 lei quickly? BT Pay gets you out of trouble with an online loan, without any trip to the bank. Everything is digital and super simple: you run a simulation, apply, sign, and the money goes directly into your account. Exactly when you need it.
- Download the BT Pay application and enter the "Credits" section
- You choose the amount you need and the repayment period
- We perform the ANAF digital verification, without income certificates
- You receive the contract and sign it directly in the application
- The money is yours 🎉 The amount is credited instantly to your BT account
Banking 360°
With BT Pay, managing your loans becomes super simple.
Credit 100% ONLINE
You apply for a personal loan, directly from the app.
Keep track of payments
See how much you have paid from the loan, see the installments, the interest and the date of the next installment.
Transaction history
You have access to all the information regarding your loan: how much you have paid, the date you took it, the amount, the remaining amount, the date your loan ends.
Repayment schedule
You see it in real time and can download it when you need it.
SEE WHICH LOAN SUITS YOU
Online loans for personal needs, car leasing, for studies or with real estate destination. See the characteristics of each type of loan and choose the one suitable for you, according to your plans.
Refinance the loan at BT
For fixed interest loans you can obtain a reduced cost between 5.99% and 18.50% if you refinance a loan from another bank, receive your income in the account at BT and add a life and unemployment insurance policy. For variable interest loans you can obtain a lower monthly rate by refinancing a loan granted before July 8, 2020 by another bank for a maximum period of 10 years, without additional amount.
QUICK HELP
The maximum period is 5 years for consumer loans and up to 30 years for real estate investment loans.
You can choose the term so that the monthly installment fits comfortably within your budget.
Anything you need. No justification is necessary - you use the money exactly where it helps you the most.
Yes. As long as you fit within the maximum debt-to-income ratio, you can take a new credit, even if you have other ongoing credits.
No. BT personal loan has no monthly management fee.
There is no minimum income ceiling to be able to apply for a BT credit. But it’s good to know that your income affects the amount you can borrow and, consequently, the monthly installment you will pay.
To get an idea about the rate, you can quickly do a simulation here or we are waiting for you at any BT unit, so we can find the optimal option for you together. 🤗
Yes. If you receive your salary at BT, you can get a better interest rate. In addition, the installments are automatically debited from the account where you receive your salary, so you don’t have to worry about missing a due date. It’s a convenient and secure solution for your budget.
You need to:
➤ minimum
- 3 months at your current employer, if this is not your first job;
➤ minimum - 6 months with the current employer, if this is your first job.
Yes, it is possible. Registration in the Credit Bureau does not automatically mean rejection of a loan. We analyze the type of registration, your history and current situation, and we see together what solutions exist.
If you are thinking of taking a new loan, you can calculate the monthly installments online in BT credit simulator and then you can find out by phone if you qualify for the desired amount.
Come to any BT unit discuss all the details or find information online, on our website, where we have prepared all the lending options for you. 😉
* It is important to keep in mind that the results from the simulator are indicative. You can get a personalized answer at any of our branches, where a consultant will discuss with you.
Usually, you need:
- identity document
- ANAF agreement for income verification
- other documents, if the chosen product requires additional checks
Everything is as simple as possible, and much information is obtained directly electronically.
You will sign:
➤
- request for credit;
➤ the contract - of credit;
➤ the notices - regarding data processing;
➤ ANAF, BC query agreements - and CRC;
➤ other documents specific to your situation.
Your
we explain every step so that you feel comfortable with everything you sign.
The debt ratio can increase when your income increases or when monthly expenses decrease. Practically, you have more room in the budget for a monthly installment.
If your debt level is high, you can discuss with the bank the available options for managing your financial obligations.
Depending on your financial situation, there may be solutions such as refinancing existing loans or other options to help you manage your budget and monthly payments more efficiently.
When it comes to your credit, it is good to always be well informed. 😉
Regarding the granting of a credit, you must follow these steps:
- You send the request online or in unit.
- You provide the necessary documents.
- We do the financial analysis.
- You receive the approval decision.
- Sign the contract, digitally or at a branch.
- You receive the money in the account.
We explain everything along the way, so it’s easy to follow. 🙂
The duration depends on type of the requested loan.
When you want a loan, you can choose, right from the start or at any later time, to repay in installments
- equal or installments
- descending, depending on the most suitable option
for your budget.
Equal installments (constant annuities) – means that the monthly payments you make are the same amount each month. Interest is calculated on the loan balance, and the principal repaid is calculated as the difference between the monthly payment and the interest. Thus, at the beginning of the loan term, the principal repaid from the borrowed amount is smaller and gradually increases as the loan is repaid.
Decreasing installments (variable annuities) – means that the monthly payments you make are higher at the beginning of the loan term and gradually decrease until the end. The amount of principal repaid monthly is fixed and is calculated by dividing the loan amount by the loan term expressed in months. Interest is added to this, calculated on the outstanding loan balance, and as this balance decreases through principal repayment, the interest portion of the installment also decreases.
The repayment method can be changed at any time during the loan term.
How can you request a switch to decreasing/equal installments? We are waiting for you at the bank, where we will explain the options you can choose from and present you with an alternative repayment schedule. Based on your decision, we will carry out a financial analysis to verify compliance with the new loan conditions.
Following the analysis, you will receive the final decision regarding your maximum debt-to-income ratio. If you choose to change the repayment method, please schedule an appointment to come to the bank and sign the addendum to the loan agreement, which formalizes your decision.
The rate is collected
- automatically, directly from your account, on the due date.
The current account can be funded by transfer - from the mobile banking app,
- by bank transfer at the counter or by deposit at the ATM.
If the due date falls on a non-business day, it is best to have the funds in your account on the last business day before it.
Of course. You can repay the loan at any time, either partially or in full.
If you have a variable interest rate, you do not pay an early repayment fee.
For fixed interest consumer loans, there is a legally established fee of:
➤ 1% of the loan amount repaid early, if the period between the early repayment and the loan contract termination date is more than one year;
➤ 0.5% of the loan amount repaid early, if the period between the early repayment and the loan contract termination date is not longer than one year.
It is good to know that, in the case of partial early repayment, you have the flexibility to reduce the loan term, the monthly payment amount, or both, whenever your budget allows. 🙂
Yes, you choose the date suitable for your rhythm - usually depending on the day you receive your income. Under certain conditions, the date can be modified later as well.
If this happens, it is important to notify us as soon as possible.
Together we explore options such as deferring payments or restructuring the loan, so you can get through that period more easily. 🙂
Refinancing is the process of requesting a new credit by which you repay in advance the existing loan or loans and, possibly, are left with some money. 😊
Refinancing is recommended when:
➤⠀brings a considerable reduction in costs, either through a more advantageous price or by the possibility of requesting a longer credit period;
➤⠀you want to consolidate several loans into a single one, so that you obtain a single monthly payment, smaller than the sum of all previous loan payments.
Yes, refinancing a personal loan It is possible even when you have multiple active loans at different banks, provided your debt-to-income ratio remains within legal limits and your income allows for the payment of the new installment.
By refinancing, you can consolidate all your debts into a single loan, so you only have one monthly payment.
We analyze each situation individually to see what options you have.
You have several advantages:➤ reduced fees during periods with dedicated campaigns;
➤ competitive interest rate, tailored to your financial profile;
➤ the possibility to consolidate multiple loans into a single credit, for a single monthly installment and easier management.
You can refinance a personal loan at Banca Transilvania without the obligation to transfer your salary to a BT account.
However, switching your salary can bring significant benefits, especially a lower interest rate, as well as a practical advantage: the installment is paid automatically from the account where you receive your salary, without the risk of delays or transfer fees.
Yes, if you meet the eligibility criteria and your income and debt level allow it, you can refinance your current loan and obtain an additional amount for any plan you have, all in a single contract.
Simple and fast: refinancing + additional amount, exactly when you need it.
The possibility of benefiting from a more advantageous interest rate when refinancing a personal loan depends on several factors, such as credit history, income level, debt ratio, and the existing relationship with the bank.
The offer is analyzed individually and personalized according to the financial profile of
- each client
- .
WHY DELAY WHAT YOU WANT?
With personal loans from BT, you have the money exactly when you need it, without headaches. For big plans or unforeseen expenses, everything is simple, fast, and flexible. Apply online and enjoy the freedom to say yes to your plans.
