Banca Transilvania loans 2026: products, conditions, documents

About Banca Transilvania

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

• Banca Transilvania — Mortgage · APR from 6,49% · 70.000-1.500.000 lei · 60-360 luni
• Banca Transilvania — Auto loan · APR from 8,65% · 15.000-250.000 lei · 12-96 luni
• Banca Transilvania — Refinancing loan · APR from 9,20% · 10.000-200.000 lei · 12-120 luni
• Banca Transilvania — Personal loan · APR from 9,49% · 5.000-250.000 lei · 6-60 luni
• Banca Transilvania — Credit card · APR from 23,9% · 1.000-30.000 lei · revolving

How a Banca Transilvania loan works

The standard process for Banca Transilvania consumer loans, per the official bancatransilvania.ro page, follows five steps:

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

Who can apply

Per the Banca Transilvania 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:

• bancatransilvania.ro — official site, price list and product descriptions
• null — 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 Banca Transilvania list for the personal loan in June 2026? Per the price list published on bancatransilvania.ro at the June 2026 check, the APR for the personal loan starts from 6.49% for the standard client profile, with variations depending on associated products.

How do I apply for a Banca Transilvania loan online? Standard process described on bancatransilvania.ro: you complete the application online through the BT Pay 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 Banca Transilvania loan approval take? Per the official Banca Transilvania 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 Banca Transilvania 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.