- Fixed interest rate - between 5.99% and 18.50%
- ZERO analysis fee
- Life and unemployment insurance
- Fixed interest rate - between 6.49% and 18.50%
- 200 lei analysis fee
- Life and unemployment insurance
Apply now
Fill in the form below.
Important
After you complete the form, aand two ways you can benefit from the offer:
📱 Apply directly from BT Pay for a loan of up to 120,000 RON, 100% online, with no need to visit a branch, until November 20, 2026, at the latest. If you don’t have the app yet, you can download it for free here.
📍 Visit any BT branch by November 20, 2026, and you can apply for a loan of up to 250,000 lei. To save time, you can book an appointment online at your chosen branch.
Cererea de credit și documentația necesară trebuie semnate până cel târziu la 20 noiembrie 2026, indiferent dacă aplici prin BT Pay sau într-o unitate BT.
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You have a good payment history
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You have salary income, pensions, or other types of stable income for at least 3 months
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Do you meet the product eligibility criteria
Loan amount
55,000 lei
Fixed interest rate
8,50%
Loan term
5 years (60 equal installments)
Monthly installment amount
1,128 lei
Annual Percentage Rate (APR)
10,17%
Total cost of the loan
14,333 lei
Total amount to pay
69,333 lei
*The final offer is personalized and takes into account several elements such as: receiving your income in a BT account, adding life and unemployment insurance policies, external refinancing, the history of your relationship with the bank, and payment behavior for ongoing installments. The insurance cost, included in the total credit cost, is 1,540 lei. The insurance premium is 2.80% of the loan amount. It is paid in a single installment, upon loan disbursement, either from own sources or from the loan. The RNPM registration fee (National Register of Movable Property Publicity), amounting to 88.40 lei/guarantee, is included in the total credit cost.
Loan amount
55,000 lei
Fixed interest rate
8,50%
Loan term
5 years (60 decreasing installments)
Monthly installment amount
Starting from 1,306 lei
Annual Percentage Rate (APR)
10,25%
Total cost of the loan
13,511 lei
Total amount to pay
68,511 lei
*The final offer is personalized and takes into account several elements such as: receiving your income in a BT account, adding life and unemployment insurance policies, external refinancing, the history of your relationship with the bank, and payment behavior for ongoing installments. The insurance cost, included in the total credit cost, is 1,540 lei. The insurance premium is 2.80% of the loan amount. It is paid in a single installment, upon loan disbursement, either from own sources or from the loan. The RNPM registration fee (National Register of Movable Property Publicity), amounting to 88.40 lei/guarantee, is included in the total credit cost.
Apply now
Fill in the form below.
Up to 250,000 lei with ZERO analysis fee
You don’t need to tell us how you use the money. You can refinance loans from other banks, and life and unemployment insurance are included.
