INTEREST STARTING FROM 6,49%
Fixed interest rate between 6.49% - 18.50%. 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
16 iunie 2026
LEI
5,000.00 LEI
5 years
8.5%
Fixed
12.18%
103 LEI / month
6.583 LEI
It is good to know that the final offer is personalized, ranging between 6.49% and 18.50% and takes into account several elements such as: income collection in the BT account, adding life and unemployment insurance policies, 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 the calculation (repayment period, variable interest rate). These can be consulted and modified from .
FINANCIAL PROTECTION
Sometimes harder days come, 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.
GRANTING CONDITIONS
Romanian citizenship A good payment behavior Income from salaries, pensions or other types of stable income of at least 3 months Meeting the eligibility criteria for each type of loan
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 do a simulation, apply, sign, and the money goes directly into the 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 do the ANAF digital verification, without income certificates You receive the contract and sign it directly in the app 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 you can download it whenever you need.
SEE WHICH CREDIT SUITS YOU
Online personal needs loans, 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 ranging between 6.49% and 18.50% if you refinance a loan from another bank, deposit the income into a BT account, 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 an additional amount.
FAST HELP
The maximum period is 5 years. You choose the duration so that the monthly rate is comfortable for your budget.
Whatever you need. No justification is required - 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 loanno monthly management fee.
There is no minimum income threshold to be able to apply for a BT credit. But it is good to know that your income influences the amount you can borrow and implicitly 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 that we find together the optimal option for you. 🤗
Yes. If you receive your salary at BT, you can get a more advantageous interest rate and avoid the hassle of monthly payments - the installment is paid automatically, so you don't have to worry about forgetting any due date. It is a convenient and safe solution for your budget.
You need:
- minimum 3 months at the current employer, if you are not at the first job
- minimum 6 months if you are at the first employer
Yes, it is possible. Registration in the Credit Bureau does not automatically mean the rejection of a loan. We analyze the type of registration, your history and your current situation, and we see together what solutions exist.
If you are thinking about taking out a new loan, you can calculate the monthly installments online in BT loan simulator and then you find out by phone if you qualify for the desired amount. Come anytime BT unit let's discuss all the details or research online, on our website, where we have prepared all the crediting 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 units, where a consultant will talk with you.
Usually you need:
- identity card
- ANAF agreement for income verification
- other documents, if the chosen product requires additional verifications
Everything is as simple as possible, and much information is obtained directly electronically.
You will sign:
- request of credit
- loan contract
- data processing agreements
- and other documents specific to your situation
We explain each step so that you feel comfortable with everything you sign.
The debt ratio can increase when your income rises or when monthly expenses decrease. Practically, you have more room in the budget for a monthly installment.
In such situations, we can analyze together options such as:
- reduction of the requested amount;
- extension of the credit period;
- including some additional income;
- closing of others credits existing.
The goal is to find a realistic and safe solution for you.
When it comes to your credit, it is good to always be well informed. 😉
So, regarding granting a credit, you have to go through the following 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 the unit).
- You receive the money in the account.
We explain everything to you along the way, so it is easy to follow.
Duration depends on product and how quickly we can validate the documents. It can take from a few minutes to a few days. Online, things usually move faster.
You can choose what suits you:
- Equal rates offers you the same monthly amount and predictability;
- Decreasing rates start bigger, but decrease over time and can lead to a lower total cost.
Important is to choose the comfortable option for your budget.
The fare can be paid:
- automatic, directly from account;
- from mobile banking application;
- to counters;
- by bank transfer.
If the due date falls on a non-working day, it is good to have the money in the account on the last working day.
Of course. You can repay the loan anytime, partially or fully. If you have a variable interest rate, you do not pay a commission. For fixed interest, there is a small commission established by law.
It is good to know that you have the flexibility to reduce the period or payment amount when the budget allows it.
Yes, you choose the right date for your rhythm - usually depending on the day you receive your income. Under certain conditions, the date can also be changed later.
If this happens, it is important to notify us as soon as possible. Together we analyze options such as postponing installments or adjusting the loan, so that you go through that period more easily.
Refinancing is the process of requesting a new credit through which you repay the existing loan or loans in advance and, possibly, you are left with some money. 😊
Refinancing is recommended when:
➤⠀brings a considerable reduction in costs, either through a more advantageous price, or through the possibility of requesting a longer credit period;
➤⠀you want to merge multiple loans into a single one, so that you get a single monthly installment, smaller than the sum of all previous loan installments.
Yes. Refinancing a personal loan it is possible even when you already have multiple active loans at different banks.
By refinancing, all debts can be combined into a single loan, so that you have only one monthly installment and, often, more advantageous total costs.
You have several advantages:
• Zero file analysis commission, during periods when dedicated campaigns exist;
• Competitive interest, tailored to your financial profile;
• The possibility to combine several loans into a single credit, for a single monthly installment and easier management.
Can you refinance a personal loan at Banca Transilvania without having to transfer your salary to BT count.
However, moving the salary can bring significant benefits, especially a lower interest rate, but also a practical advantage: the installment is paid automatically from the account into which the salary is deposited, 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 the current loan and get extra money for any plan you have – all in a single contract.
Simple, fast and advantageous: refinancing + additional amount, exactly when you need it.
The offer is personalized according to your financial profile:
- Your credit history – the better your payment behavior, the better the offer can be;
- Income level and degree of indebtedness – these help us assess your repayment capacity;
- Existence of other BT products, such as salary collection, which can bring a favorable interest rate.
WHY DELAY WHAT YOU WANT?
With personal loans from BT, you have the money exactly when you need it, without any hassle. For big plans or unexpected expenses, everything is simple, fast, and flexible. Apply online and enjoy the freedom to say yes to your plans.
Discover personal loan
03 February 2026BT personal needs loan: Your essential guide
10 July 2025Do you have a plan? We support it for you, with the 100% online credit from BT Pay
23 April 2025Monthly essentials: Account statement | Currency exchange | Star | Online credit
12 February 20265 online mistakes that can cost you money
