BCR
- Amount
- 10,000 lei–150,000 lei
- Term
- 12–120 months
- Published APR
- 9.42%
- Checked
Loan refinancing
Compare offers and check all costs. Adjust the amount and term using the filters.
How to choose an offer
Combine several loans into one lower payment through refinancing. Compare offers for free.
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Representative example: refinancing a 38,700 lei balance over 48 months at a new APR of 9.2% (vs. current APR of 13.5%) saves 3,180 lei in total over the loan period. Also check the early-repayment fees on the original loan.
Verification recordReviewed by the Kreditano editorial team
- Source
- Lender documents, ANPC and GEO 50/2010
- Checked
- 2026-10-20
- Status
- Unreconciled figures do not receive a confirmation label.
Patria Bank
- Amount
- 3,000 lei–250,000 lei
- Term
- 12–60 months
- Published APR
- 10.15%
- Checked
Banca Transilvania
- Amount
- 10,000 lei–200,000 lei
- Term
- 12–120 months
- Published APR
- 10.17%
- Checked
Raiffeisen
- Amount
- 10,000 lei–150,000 lei
- Term
- 18–120 months
- Published APR
- 10.28%
- Checked
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View extensionThe Kreditano extension estimates APR, total cost and the relevant IFN limit.
When is refinancing worth it?
When I review a refinancing offer, I put the remaining balance, the new fees and total repayment in one table. A lower payment does not win when the longer term raises the final amount.
Roman Dumitrescu, Head of Editorial
Refinancing means closing one or more existing loans with a new loan, usually at a lower rate or longer term, to reduce the monthly payment.
Consolidation combines several debts into one.
It's worth it if you get a lower APR than the average of your current loans, or if you want a single payment.
Compare the total cost, not just the monthly payment.
- ✓Combine several loans into one payment
- ✓Possibly a lower rate than your current loans
- ✓Amounts from 10,000 to 200,000 lei
- ✓Extended terms for a lower payment
Refinancing costs and the recovery threshold
Refinancing may aim to reduce total cost or make the monthly payment more manageable. These are different goals.
Check the old loan's closure amount and the new contract's costs, including valuation and insurance if required.
Compare schedules for the same amount; a lower APR does not guarantee a lower total if you extend the term.
For mortgages covered by OUG 52/2016, article 41, no penalty, compensation or other early-repayment charge applies. Check older contracts separately under article 135.
Dividing switching costs by the difference between monthly payments gives only a simplified recovery threshold. It does not prove total savings, particularly when the term changes.
Compare all remaining payments and the new financing costs; no universal number of months guarantees that refinancing is worthwhile.
Consolidation is a particular form of refinancing: you combine several loans (cards, IFNs, consumer loans) into one, usually at a bank, with a single total payment lower than the sum of individual ones.
Upsides: one due date, lower average interest (cards and IFNs are expensive), simple management.
Classic downside: if the new term is much longer, total cost can rise even though the payment drops. Always check total cost, not just monthly payment.
Frequently asked questions
Can I refinance loans from several banks?+
Yes, through consolidation you can combine loans from different banks and lenders into one.
Does refinancing always lower the total cost?+
Not necessarily, a longer term lowers the payment but can raise the total cost.
Are there refinancing costs?+
There may be origination or early-repayment fees; check them first.
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