INTEREST STARTING FROM 6,49%
Fixed interest ranging 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
27 iulie 2026
LEI
5,000.00 LEI
5 years
8.5%
Rigid
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, addition of 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 ranging between 6.49% and 18.50% if you refinance a loan from another bank, receive your income in an account at BT, and add a life and unemployment insurance policy. For variable interest loans, you can get a lower monthly installment by refinancing a loan granted before July 8, 2020, by another bank for a maximum period of 10 years, without an additional amount.
QUICK HELP
The maximum period is 5 years. You choose the duration so that the monthly rate is comfortable for 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 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 we can find the optimal option for you together. 🤗
Yes. If you receive your salary at BT, you can get a more advantageous interest rate and avoid the worry 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 secure solution for your budget.
You need to:
- minimum 3 months at the current employer, if you are not at your first job
- minimum 6 months if you are at your first employer
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 find out by phone if you qualify for the desired amount. Come in anytime BT unit let's discuss all the details or document yourself online, from our website, where we have prepared all the credit options for you. 😉
*It is important to take into account that the results from the simulator are indicative. You can obtain a personalized answer in any of our units, 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
- loan agreement
- agreements regarding data processing
- and other documents specific to your situation
We explain each step to you so that you are 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.
In such situations, we can analyze together options such as:
- reduction of the requested amount;
- the extension of the lending period;
- inclusion of some additional revenues;
- closing other 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 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 (digital 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.
The duration depends on product and how quickly we can validate the documents. It can take from a few minutes up to a few days. Online, things usually move faster.
You can choose what suits you:
- Equal installments offers you the same monthly amount and predictability;
- Decreasing rates start higher, but decrease over time and can lead to a lower total cost.
Important is to choose the option comfortable for your budget.
The rate can be paid:
- automatic, directly from the account;
- from mobile banking application;
- at 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 the payment amount, when the budget allows you.
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 analyze options such as postponing installments or adjusting the credit, so that you can get through the respective 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 already have several 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, adapted to your financial profile;
• The possibility to combine multiple loans into a single credit, for a single monthly installment and easier management.
You can refinance a personal loan at Transilvania Bank without it being mandatory to transfer your salary to BT account.
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 where 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;
- The existence of other BT products, such as salary collection, which can bring an advantageous interest.
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.
