BCR loans 2026

About BCR

Banca Comercială Română (BCR) is authorised in Romania and entered in the Credit Institution Register. BCR is part of Erste Group Bank AG, an international financial institution.

This page covers five categories, from personal loans to mortgages. Compare each product separately because George conditions and linked products can change the final cost.

What is currently comparable for BCR

The Kreditano catalogue contains 4 active BCR product identifiers: Personal loan, Refinancing, Mortgage, Credit card. In the reopened sources, 4 examples were reconfirmed, 0 had ended validity periods and 0 figures remain unchecked.

Official examples and verification status

Editorial check: 10 August 2026.

We reopened the BCR sources on 10 August 2026. APR is shown only where the official page still provides an identifiable representative example; a missing percentage means the previous figure was not reconfirmed.

A representative example is not a personalised offer.

The card example identifies the product in the linked document. We do not extend its figures to every BCR card; the variant-level catalogue remains under review.

• BCR: Personal loan · Official example: 13,9% · 30.000 lei · 60 luni · rată lunară 679 lei · total de plată 40.695 lei product source
• BCR: Refinancing · Official example: 9,42% · 30.000 lei · 60 luni · asigurare atașată · rată 619 lei · total 37.344 lei product source
• BCR: Mortgage · Official example: 7,64% · 350.000 lei · 300 luni · dobândă fixă 3 ani · comision analiză 900 lei · total 781.748 lei product source
• BCR: Credit card · Official example: 12,1% · limită 5.367 lei · 12 luni · total de plată 5.697 lei · DAE maximă în alt scenariu 31,89% product source

BCR application channels

BCR points applicants to its official page, the George app or a branch, depending on the product. A simulation or preliminary reply is not an approval. Before signing, compare APR, total payable and the costs in the SECCI or ESIS issued for your file.

Documents vary by BCR product

Identity documentation is the common starting point. Income may be checked through ANAF where the income category allows it, and the bank may request supporting papers. Mortgages add property documents, valuation and required insurance; BCR provides the final list for each applicant.

Sources used for BCR

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

Questions about BCR products

Which BCR costs were reconfirmed?

The cards above separate reconfirmed official examples from products for which we do not yet publish a new percentage. Sources were checked on 10 August 2026.

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.