Credit offers with verified APR in Romania, November 2026
Active offers whose displayed APR matches an identifiable lender example, grouped by category and ordered from low to high.
The review covers personal loans, fast loans, credit cards, car loans, mortgages and refinancing. A value enters the ranking only when it matches an identifiable example in lender documents. In November 2026, 34 offers meet that test; other values may remain visible in the comparator without a lowest-cost label.
I rebuilt the order from lender documents, not from the commercial position of an offer. If a cost cannot be tied to a public example, I do not use it to name a winner.
Maria Popescu, Editor: Consumer Products
Personal loan
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1BRD | 8.35% | 5.000 – 250.000 lei | 12–60 months | Bank |
| 2Raiffeisen | 9.49% | 2.500 – 250.000 lei | 18–60 months | Bank |
| 3Banca Transilvania | 10.25% | 5.000 – 250.000 lei | 6–60 months | Bank |
| 4BCR | 13.90% | 5.000 – 250.000 lei | 12–60 months | Bank |
Fast loans
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1Provident | 134.29% | 2.000 – 25.000 lei | 13–26 months | IFN |
| 2Viva Credit Plus | 296.61% | 1.000 – 10.000 lei | 3–8 months | IFN |
| 3Viaconto | 803.50% | 700 – 5.000 lei | 2–60 months | IFN |
| 4Mogo | 1232.00% | 1.000 – 3.000 lei | 3–6 months | IFN |
| 5SafeCredit | 1254.61% | 500 – 10.000 lei | 1–36 months | IFN |
Credit cards
This shortlist covers 5 offers with direct access. The full catalogue contains 28 variants and is not a price ranking.
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1BCR | 12.10% | 1.000 – 25.000 lei | revolving | Bank |
| 2Banca Transilvania | 26.77% | 1.000 – 30.000 lei | revolving | Bank |
| 3ING Bank | 28.07% | 1.000 – 75.000 lei | revolving | Bank |
| 4BRD | 30.82% | 1.000 – 20.000 lei | revolving | Bank |
| 5Raiffeisen | 32.40% | 700 – 50.000 lei | revolving | Bank |
Car loans
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1Garanti BBVA | 14.83% | not published | not published | Bank |
Mortgages
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1Banca Transilvania | 7.32% | 70.000 – 1.500.000 lei | 60–360 months | Bank |
| 2BRD | 7.57% | not published | not published | Bank |
| 3BCR | 7.65% | 45.000 – 5.100.000 lei | not published | Bank |
| 4Raiffeisen | 7.69% | not published | 36–360 months | Bank |
| 5Intesa Sanpaolo Bank · Credit ipotecar verde | 7.70% | not published | not published | Bank |
Refinancing
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1BCR | 9.42% | 10.000 – 150.000 lei | 12–120 months | Bank |
| 2Patria Bank | 10.15% | 3.000 – 250.000 lei | 12–60 months | Bank |
| 3Banca Transilvania | 10.17% | 10.000 – 200.000 lei | 12–120 months | Bank |
| 4Raiffeisen | 10.28% | 10.000 – 150.000 lei | 18–120 months | Bank |
Our methodology
The ranking uses only APR reconciled with a lender example. Eligible values are ordered from low to high within each category. APR includes nominal interest and mandatory costs in the representative example, while the final offer still depends on the applicant profile.
Data is manually verified before publication by visiting each lender's official page. The „lastVerified” field in our database logs that verification date. No lender pays to appear higher. The order is algorithmic and identical for every reader.
Beyond APR, we include minimum and maximum amount, minimum and maximum term, institution type (bank or NBR-registered NBFI), and online availability. Readers with specific profiles (income, term, BNR score) can adjust the selection with our comparator, which recalculates the monthly payment from the entered data.
Update note
This analysis is updated monthly. The November 2026 version was compiled on 2026-11-01 and revised on 2026-11-01.
Sources: official lender pages + National Bank of Romania (bnr.ro, Special NBFI Register).