Personal loan
- Fixed interest rate - between 6.49% and 18.50%
- ZERO analysis fee
- Life and unemployment insurance
Star Cards
- Star Forte/Gold: 150 lei gift in Star points when you get a new card or increase the limit on an existing one
- Star Platinum: 250 lei gift in Star points, if you get a new card or increase the limit of an existing one
BT Flying Blue Cards
- ZERO issuance fee
- 1,000 Welcome Miles at BT Flying Blue Classic, 2,000 Welcome Miles at BT Flying Blue Premium
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2 plane tickets to Amsterdam, by lottery draw
Personal loan
- Fixed interest rate - between 6.49% and 18.50%
- 200 lei analysis fee
- Life and unemployment insurance
Star Cards
- 10 lei in Star points on your first purchase payment
BT Flying Blue Cards
- BT Flying Blue Classic: 50 lei issuance fee, 1,000 Welcome Miles
- BT Flying Blue Premium: 150 lei issuance fee, 2,000 Welcome Miles
Apply now
Fill in the form and we will redirect you directly to BT Pay.
Important
For personal loan, you have 2 options to enjoy the offer:
📱 Apply directly from BT Pay for a loan of up to 120,000 lei, 100% online, with no need to visit the bank, by no later than October 30, 2026. If you don’t have the app yet, you can download it for free here.
📍 You present yourself at any BT branch by October 30, 2026 and you can apply for a loan of up to 250,000 lei. To save time, you can book an appointment online at the chosen branch.
Loan applications accompanied by complete documentation must be signed no later than October 30, 2026, regardless of whether you applied through BT Pay or at a branch.
💫 For Star cards, you need to make a payment with the newly issued card or the one whose limit you increased by November 9, 2026, at the latest. You will receive the points by November 30, 2026.
✈️ For cards BT Flying Blue, the approved credit line amount must be at least 7,000 lei, and you will be automatically entered into the raffle.
After you apply, you will receive a confirmation email and we will call you as soon as possible. ⚡If you want it even faster, you can also schedule online at your preferred branch. 😊
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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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You choose the minimum credit limit of 4,000 lei (for the BT Flying Blue Premium card), 5,000 lei (for the Star Forte card), 8,000 lei (for Star Gold) or 12,000 lei (for Star Platinum)
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You have deposited at least 800 lei (for the Star Forte and BT Flying Blue Classic cards), 4,000 lei (for BT Flying Blue Premium), 8,000 lei (for Star Gold), or 12,000 lei (for 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
You choose a shopping card: Star, with up to 250 lei gift or BT Flying Blue, with ZERO issuance fee and up to 2,000 Welcome Miles. You get it bundled with a favorable loan.
