BRD
- Amount
- 5,000 lei–100,000 lei
- Term
- 12–60 months
- Published APR
- Under review
- Checked
The best personal loan in Romania
We compare personal loan offers by APR, approval odds and total cost, so you see what actually fits your budget.
7 offers comparedAPR from 8.35%Apply at provider
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Representative example: for a personal loan of 43,200 lei over 60 months, fixed annual interest of 9.60% and an analysis fee of 320 lei, the monthly instalment is 909 lei, the APR is 10.34% and the total amount payable is 54,566 lei. Figures are indicative and vary by chosen bank and applicant profile.
Independent comparison · free for you
The list includes lenders and intermediaries. Intermediaries are clearly marked and take you to their own platform; the final lender sets eligibility and costs. The order considers verified APR, and commercial agreements may influence positions. Details
Raiffeisen
- Amount
- 2,500 lei–250,000 lei
- Term
- 18–60 months
- Published APR
- Under review
- Checked
Banca Transilvania
- Amount
- 5,000 lei–250,000 lei
- Term
- 6–60 months
- Published APR
- Under review
- Checked
ING Bank
- Amount
- 2,000 lei–200,000 lei
- Term
- 12–60 months
- Published APR
- Under review
- Checked
CEC Bank
- Amount
- 3,000 lei–160,000 lei
- Term
- 6–60 months
- Published APR
- Under review
- Checked
Garanti BBVA
- Amount
- 3,000 lei–250,000 lei
- Term
- 6–60 months
- Published APR
- Under review
- Checked
BCR
- Amount
- 5,000 lei–100,000 lei
- Term
- 12–60 months
- Published APR
- Under review
- Checked
How do we choose the best personal loan?
In this guide, "best" means the lowest APR at the date of the update, for the standard profile described below. Last updated: 16 July 2026.
There is no single "best" loan for everyone.
The right offer depends on the amount, your monthly income and how long you want to repay.
The default list order, „Kreditano order”, is based on the APR; based on commercial agreements, certain lenders may occupy higher positions. You can always sort strictly by APR.
We state that openly. When you want a strict price ranking, tap sort by APR and the cheapest offer moves to the top.
The first recommended card sits there because of a solid balance between APR, approval odds and repayment flexibility.
Still, check it against your case: a bank where your salary already lands may approve you faster and offer a rate below the market average.
Kreditano is an independent comparison platform. We are not a lender, we do not take credit applications and we do not offer financial advice.
The information in this article is for information purposes; the final conditions are set exclusively by the creditor.
Kreditano may receive a commission when you access a creditor's website through our links.
- ✓APR, not just the interest rate: it folds in analysis and administration fees, so it shows the real cost.
- ✓The total cost across the whole term, not only the monthly instalment shown in ads.
- ✓Approval odds based on your income and your credit bureau history.
- ✓Flexibility: early repayment without penalties and the option to defer one instalment when needed.
Frequently asked questions
Which is the best personal loan in 2026?+
The one with the lowest APR you can actually get, at an instalment your income covers comfortably. Compare on our page and sort by APR to see the cheapest offer for your amount.
What APR counts as good for a personal loan?+
For bank loans, an APR between 9% and 12% is competitive in the current market. Below 9% is a very good deal, and above 14% is worth renegotiating or comparing again.
Can I get a personal loan without an income certificate?+
Some banks accept a bank statement instead, but the amount and rate are usually less favourable. Read our guide on documents and on what APR is before you apply.