BRD loans 2026: products, conditions, documents

About BRD

BRD - Groupe Société Générale is a credit institution licensed by the National Bank of Romania (BNR), registered in the Credit Institution Register. BRD is part of Société Générale, an international financial institution. Per the Société Générale 2024 annual report, at end of 2024 BRD 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 brd.ro at the June 2026 check. The listed APR starts from the minimum published values for the standard client profile, per BRD policy.

• BRD — Expresso loan (personal) · APR from 8,35% · 5.000-100.000 lei · 12-60 luni
• BRD — Mortgage · APR from 6,69% · 80.000-1.500.000 lei · 60-360 luni
• BRD — Credit card · APR from 24,9% · 1.000-20.000 lei · revolving

How a BRD loan works

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

1. You complete the application online through the You BRD platform or in a branch. 2. The bank requests the standard documents listed below. 3. The application is analysed per BRD'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 brd.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 BRD 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 BRD-approved evaluator

Who can apply

Per the BRD 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:

• brd.ro — official site, price list and product descriptions
• Société Générale — 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 BRD list for the personal loan in June 2026? Per the price list published on brd.ro at the June 2026 check, the APR for the personal loan starts from 8.35% for the standard client profile, with variations depending on associated products.

How do I apply for a BRD loan online? Standard process described on brd.ro: you complete the application online through the You BRD 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 BRD loan approval take? Per the official BRD 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 BRD 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.