Patria Bank loans 2026
An editorial Patria Bank 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 Patria Bank 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.
What Patria Bank assesses
Patria Bank 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 We do not publish one universal threshold because consumer loans, cards, refinancing and mortgages follow different conditions.
Documents vary by Patria Bank product
Identity documentation is the common starting point. Income may be checked through ANAF where the income category allows it, and the bank may request supporting papers. Mortgages add property documents, valuation and required insurance; Patria Bank provides the final list for each applicant.
About Patria Bank
Patria Bank S.A. is authorised in Romania and entered in the Credit Institution Register.
Patria Bank is a Romanian banking institution.
Patria currently has one comparable refinancing product. Start with the old loan's remaining total cost and include every switching charge.
What is currently comparable for Patria Bank
The Kreditano catalogue contains 1 active Patria Bank product identifier: Refinancing. In the reopened sources, 1 examples were reconfirmed, 0 had ended validity periods and 0 figures remain unchecked.
Sources used for Patria Bank
The data on this page is based on the following sources:
• Patria Bank: 2024 annual report
• National Bank of Romania (BNR): register, regulations
• National Authority for Consumer Protection (ANPC): credit consumer rights
Questions about Patria Bank products
Which Patria Bank 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 Patria 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.