Raiffeisen loans 2026
An editorial Raiffeisen 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 Raiffeisen sources on 10 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.
The card example identifies the product in the linked document. We do not extend its figures to every Raiffeisen card; the variant-level catalogue remains under review.
What Raiffeisen assesses
Raiffeisen 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 We do not publish one universal threshold because consumer loans, cards, refinancing and mortgages follow different conditions.
Raiffeisen application channels
Raiffeisen points applicants to its official page, the Smart Mobile app or a branch, depending on the product. A simulation or preliminary reply is not an approval. Before signing, compare APR, total payable and the costs in the SECCI or ESIS issued for your file.
About Raiffeisen
Raiffeisen Bank România is authorised in Romania and entered in the Credit Institution Register.
Raiffeisen is part of Raiffeisen Bank International, an international financial institution.
Raiffeisen appears with four categories. Keep the same amount and term when comparing a new loan with refinancing.
What is currently comparable for Raiffeisen
The Kreditano catalogue contains 4 active Raiffeisen product identifiers: Personal loan, Refinancing, Mortgage, Credit card. In the reopened sources, 4 examples were reconfirmed, 0 had ended validity periods and 0 figures remain unchecked.
Sources used for Raiffeisen
The data on this page is based on the following sources:
• Raiffeisen Bank International: 2024 annual report
• National Bank of Romania (BNR): register, regulations
• National Authority for Consumer Protection (ANPC): credit consumer rights
Questions about Raiffeisen products
Which Raiffeisen 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 10 August 2026.
Can I repay a Raiffeisen 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.