Garanti BBVA loans 2026
An editorial Garanti BBVA product file based on official pages. Current examples, ended validity periods and figures being rechecked are separated explicitly.
Official examples and verification status
Editorial check: 10 August 2026.
We reopened the Garanti BBVA sources on 21 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.
About Garanti BBVA
Garanti BBVA Romania is authorised in Romania and entered in the Credit Institution Register.
Garanti BBVA is part of BBVA Group, an international financial institution.
The checked Garanti BBVA set has auto and personal loans. Read account-package costs together with the APR in the individual offer.
What is currently comparable for Garanti BBVA
The Kreditano catalogue contains 2 active Garanti BBVA product identifiers: Personal loan, Auto loan. In the reopened sources, 2 examples were reconfirmed, 0 had ended validity periods and 0 figures remain unchecked.
What Garanti BBVA assesses
Garanti BBVA decides eligibility using income, existing commitments, payment history, age at maturity and product rules. We do not publish one universal threshold because consumer loans, cards, refinancing and mortgages follow different conditions.
Sources used for Garanti BBVA
The data on this page is based on the following sources:
• BBVA Group: 2024 annual report
• National Bank of Romania (BNR): register, regulations
• National Authority for Consumer Protection (ANPC): credit consumer rights
Questions about Garanti BBVA products
Which Garanti BBVA 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 21 August 2026.
Can I repay a Garanti BBVA 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.