Personal loan
- Fixed interest rate - between 5.99% and 18.50%
- ZERO analysis fee
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Life and unemployment insurance
Star Cards
- Star Forte: 250 lei gift in Star points when you get a new card or increase the limit of an existing one
- Star Gold: 350 lei gift in Star points when you get a new card or increase the limit of an existing one
- Star Platinum: 400 lei gift in Star points, if you get a new card or increase the limit of an existing one
Personal loan
- Fixed interest rate - between 6.49% and 18.50%
- 200 lei analysis fee
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Life and unemployment insurance
Star Cards
- 10 lei in Star points on your first purchase payment
Apply now
Fill in the form and we will redirect you directly to BT Pay.
Important
Completează formularul pentru a beneficia de ofertă. După aplicare, vei primi un e-mail de confirmare, iar un coleg BT te va contacta în cel mai scurt timp. ⚡
Apoi, te așteptăm în unitatea BT aleasă pentru semnarea cererii de credit și depunerea documentației complete, până la 20 noiembrie 2026, inclusiv.
Ca să economisești timp, te poți programa online și ai prioritate la consultanță. 😊
Pentru cardul de cumpărături, cererea de emitere sau majorare trebuie depusă până la 20 noiembrie 2026, iar până la 30 noiembrie 2026 trebuie să faci minimum o plată cu noul card sau cu limita majorată. Punctele vor fi acordate până la 15 decembrie 2026. ⏳
📱 If you are a BT client, you can issue your Star card directly from BT Pay.
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You have a good payment history
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Do 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
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Optezi pentru limita de creditare minimă de 5.000 lei (în cazul cardului Star Forte), 8.000 lei (pentru Star Gold) sau 12.000 lei (pentru Star Platinum)
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Ai venit minim de 800 lei (în cazul cardului Star Forte), 8.000 lei (pentru Star Gold) sau 12.000 lei (pentru Star Platinum)
STAR MAGAZINE
Loan amount
10,000 lei
Fixed interest rate
24%/year
Loan term
5 years (60 equal installments)
Annual Percentage Rate (APR)***
26.77%/year
Total cost of the loan
12,045 lei
Total amount to pay
22,045 lei
**The RNPM registration fee (National Register of Movable Property Publicity) is included.
***The APR was calculated on the assumption that you withdraw the entire 10,000 RON credit line from a Banca Transilvania ATM or the POS at a Banca Transilvania branch after approval and then pay the interest monthly, according to the contract, for the full amount of the credit drawn.
Loan amount
55,000 lei
Fixed interest rate
8.50% p.a.
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
Loan amount
55,000 lei
Fixed interest rate
8.50% p.a.
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 and we will redirect you directly to BT Pay.
Credit + card purchases
Alegi un card de cumpărături Star, cu până la 400 de lei cadou. Îl iei la pachet cu un credit avantajos.
