BCR loans 2026: products, conditions, documents

About BCR

Banca Comercială Română (BCR) is a credit institution licensed by the National Bank of Romania (BNR), registered in the Credit Institution Register. BCR is part of Erste Group Bank AG, an international financial institution. Per the Erste Group Bank AG 2024 annual report, at end of 2024 BCR operated a branch network covering counties across Romania.

Loan products listed in June 2026 by ascending APR

All data below is taken from the price list published on bcr.ro at the June 2026 check. The listed APR starts from the minimum published values for the standard client profile, per BCR policy.

• BCR — Personal loan · APR from 9,9% · 5.000-100.000 lei · 12-60 luni
• BCR — Refinancing loan · APR from 9,8% · 10.000-150.000 lei · 12-120 luni
• BCR — Mortgage · APR from 6,79% · 75.000-1.500.000 lei · 60-360 luni
• BCR — Auto loan · APR from 8,9% · 15.000-250.000 lei · 12-84 luni
• BCR — Credit card · APR from 24% · 1.000-25.000 lei · revolving

How a BCR loan works

The standard process for BCR consumer loans, per the official bcr.ro page, follows five steps:

1. You complete the application online through the George platform or in a branch. 2. The bank requests the standard documents listed below. 3. The application is analysed per BCR's published scoring policy and includes a Credit Bureau query. 4. Preliminary response within 24-48 working hours for consumer loans. 5. Upon approval, you sign the contract electronically via certified digital signature or in a branch, and the amount is credited to your current account.

Required documents

Per the official bcr.ro page, the standard list for the personal loan includes:

• Valid ID (national ID card or passport)
• Income statement for the last 3-6 months, depending on the product
• Account statement for the last 3 months
• For BCR clients with salary transferred to the account, documentation may be reduced per bank policy
• For the mortgage, additional documents include property papers and an appraisal by a BCR-approved evaluator

Who can apply

Per the BCR published policy, general eligibility criteria include:

• Age between 18 and 70 at loan maturity (varies by product)
• Romanian citizenship or legal residence in Romania
• Minimum net monthly income per the product threshold
• Length of service at current employer per the product requirement
• Credit Bureau history assessed per the bank's policy
• Debt-to-income ratio within BNR Regulation 17/2012 limits and updates

Official sources

The data on this page is based on the following sources:

• bcr.ro — official site, price list and product descriptions
• Erste Group Bank AG — 2024 annual report
• National Bank of Romania (BNR) — register, regulations
• National Authority for Consumer Protection (ANPC) — credit consumer rights

Frequently asked questions

What APR does BCR list for the personal loan in June 2026? Per the price list published on bcr.ro at the June 2026 check, the APR for the personal loan starts from 9.9% for the standard client profile, with variations depending on associated products.

How do I apply for a BCR loan online? Standard process described on bcr.ro: you complete the application online through the George platform, upload the requested documents, the bank analyses the request per the published scoring policy, and the preliminary response comes via email or in the app.

How long does BCR loan approval take? Per the official BCR page, for standard consumer loans the preliminary response comes within 24-48 working hours after the complete documents are submitted. For the mortgage, the analysis period depends on the property appraisal process.

Can I repay a BCR loan early? Yes, per GEO 50/2010 art. 67. The fee is legally capped at a maximum of 1% of the early-repaid amount if more than 12 months remain, 0.5% if the remaining period is under 12 months, 0% for loans with variable rate indexed to IRCC. For the calculation, see the early repayment calculator.