Personal loans in Romania

What is a personal loan?

A personal loan is an unsecured loan you can use for any purpose, renovations, holidays, unexpected expenses or consolidating other debts. The amount and term depend on your income.

On Kreditano you compare offers from several banks and non-bank lenders (IFN) in one place, see the APR and estimated monthly payment, then apply directly with the chosen lender: for free.

Before choosing a loan payment, put income and expenses on the same sheet. Our personal and family budget guide uses an 8,000 lei take-home income example to check what remains after essentials and savings.

• ✓Limits and terms vary by product; check each card's conditions and verification date.
• ✓Terms from 6 to 60 months
• ✓No collateral or guarantors in most cases
• ✓Comparing doesn't affect your Credit Bureau score

What you can use a personal loan for

Unlike a car loan or mortgage, a personal loan has no fixed purpose — the lender does not ask for receipts or proof of how you spent the money.

In practice, four reasons dominate at bank counters: home renovation (typically 20,000 to 80,000 lei), consolidating other more expensive debts (revolving cards, active IFN loans), medical or dental expenses not covered by insurance, and family events (wedding, school, holiday).

This type of loan almost always works without collateral and without a down payment: no mortgage on a property, no assignment of future income, and in most cases no guarantor.

The bank assesses your repayment capacity based on monthly net income and your Credit Bureau history.

The trade-off: a higher interest rate than secured loans, because the lender carries more risk.

Before applying, calculate your debt-to-income ratio — current monthly payments plus the new one, divided by net income.

Above 40%, the application is very likely to be refused, per NBR Regulation 17/2012.

You can repay early, partially or in full, at any time, with no fee on variable rates and a legally capped fee on fixed rates.

Personal loans from BT, BCR, BRD and ING

Searching by bank name helps when your salary already arrives there, but the comparison should not end with the brand.

Check Banca Transilvania, BCR, BRD and ING on the same day, then return to the shared list to see which products support your amount and term.

Terms for customers receiving income at a bank may differ from the standard product.

Kreditano keeps the bank pages as verification sheets, while this page remains the common comparison point for eligible options, APR and total cost.

Read the verification date and official source before applying.

Flexicredit is a Raiffeisen product, not a BCR product

Flexicredit is the name Raiffeisen Bank uses for its unsecured personal loan. The official page checked on 22 September 2026 describes a fixed rate for the contract term and a promotional minimum rate subject to the applicant profile, salary payments into the account and optional insurance. We do not present that minimum as a guaranteed offer.

Compare Flexicredit with other products using the same amount and term. Check APR, total repayment, insurance cost and every condition attached to a discount.

Product source: the official Raiffeisen Flexicredit page.

Which inputs matter and how to read the result

Enter the amount you actually receive and the term in months. The monthly instalment tells you whether your budget holds; the total payable tells you what the loan costs.

Representative examples rest on their own assumptions. At ING, the 45,000 lei example over 60 months at a fixed 8.99% has an instalment of 933.91 lei, while the 59,075.73 lei total and the 12.16% APR include payment-protection insurance and the 200 lei analysis fee. At BT, the 55,000 lei example over 60 months has an APR of 10.25% and a total of 68,511 lei, with a one-off insurance premium of 1,540 lei included in the cost. The amounts differ, so the two examples are not a ranking.

Salary paid into the bank: a condition that changes the rate

ING adds 0.5% to the ING Personal rate if you do not receive recurring income at ING.

BT sets the final offer between 6.49% and 18.50%, taking into account, among other things, income paid into a BT account and the life and unemployment insurance policy.

Ask for a simulation with and without the income transfer and check the cost of the linked current account.

Documents needed at the bank

At BT and ING the starting point is an identity document, and income can be checked electronically through ANAF.

BT asks for ANAF consent and other documents only if the product needs extra checks.

ING grants the loan without income documents when income is verified solely in the ANAF database; for other income types the list grows.

Legal frame, cost and refinancing

The lender assesses your creditworthiness before the contract, under art. 30 of GEO 50/2010. The cost cap in Law 243/2024 concerns consumer loans granted by IFNs, not the bank loans compared here; at a bank, compare cost through the APR and the total payable in the personalised offer. Term, fees and insurance remain the main drivers of the total.

If the new loan closes an old one, include the early repayment fee of the existing loan.

ING adds 2.5% to the rate if you do not refinance a loan from another bank or do not take a new-money loan, and BT lists external refinancing among the elements that shape the offer.

Estimate the saving in the refinancing calculator, then return to the list above.

Applying in Romania with foreign citizenship or income from abroad

The lenders listed here are Romanian banks and NBFIs and assess applications under Romanian rules.

Each lender decides which residence status, identity documents and income sources it accepts, so read the product conditions before applying.

Income from abroad is assessed case by case. Lenders may ask for translated payslips, an employment contract or bank statements showing regular transfers.

The guide to foreign income lists the documents usually requested.

The application, the SECCI form and the agreement are usually in Romanian.

Ask whether a translation or support in your language is available, and do not sign a document you cannot read.

The DAE shown in Romanian documents is the same figure as the APR.