CEC Bank loans 2026: products, conditions, documents

About CEC Bank

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

• CEC Bank — Personal loan · APR from 10,4% · 3.000-80.000 lei · 6-60 luni

How a CEC Bank loan works

The standard process for CEC Bank consumer loans, per the official cec.ro page, follows five steps:

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

Who can apply

Per the CEC Bank 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:

• cec.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 CEC Bank list for the personal loan in June 2026? Per the price list published on cec.ro at the June 2026 check, the APR for the personal loan starts from 10.4% for the standard client profile, with variations depending on associated products.

How do I apply for a CEC Bank loan online? Standard process described on cec.ro: you complete the application online through the CEC App 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 CEC Bank loan approval take? Per the official CEC Bank 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 CEC Bank 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.