Monthly archive: the data published for June 2026. These are not current offers; costs and conditions may have changed since.
See the current ranking →Active credit offers in Romania, June 2026, sorted by APR ascending
Active credit offers in Romania for June 2026 listed per category, sorted by APR ascending from each lender’s published price list.
This analysis updates monthly the active credit offers in Romania across six categories: personal loans, fast loans, credit cards, car loans, mortgages, and refinancing. Data is sourced from each lender's official page and refreshed before publication. For June 2026, we compared 65 offers from banks and NBFIs active in the Romanian market.
Our methodology
All offers are sorted by ascending APR. The offer with the lowest listed APR appears first. APR (annual percentage rate) includes not just the nominal interest but all mandatory fees: origination, admin and mandatory insurance. Per the National Bank of Romania, APR is the official indicator for comparing real loan cost.
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.
Personal loan
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1BRD | 8.35% | 5.000 – 100.000 lei | 12–60 months | Bank |
| 2Banca Transilvania | 9.49% | 5.000 – 250.000 lei | 6–60 months | Bank |
| 3Garanti BBVA | 9.65% | 3.000 – 120.000 lei | 6–60 months | Bank |
| 4BCR | 9.90% | 5.000 – 100.000 lei | 12–60 months | Bank |
| 5ING Bank | 9.99% | 3.000 – 100.000 lei | 6–60 months | Bank |
Fast loans
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1Hora Credit | 35.00% | 100 – 5.000 lei | 1–3 months | IFN |
| 2Ferratum | 60.00% | 200 – 30.000 lei | 1–36 months | IFN |
| 3Provident | 93.02% | 500 – 15.000 lei | 6–36 months | IFN |
| 4TBI Bank | 101.16% | 400 – 50.000 lei | 3–60 months | Bank |
| 5Viva Credit Rapid | 140.00% | 100 – 4.999 lei | 1–6 months | IFN |
Credit cards
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1ING Bank | 21.90% | 1.500 – 25.000 lei | revolving | Bank |
| 2Banca Transilvania | 23.90% | 1.000 – 30.000 lei | revolving | Bank |
| 3BCR | 24.00% | 1.000 – 25.000 lei | revolving | Bank |
| 4BRD | 24.90% | 1.000 – 20.000 lei | revolving | Bank |
| 5Raiffeisen | 25.90% | 1.500 – 20.000 lei | revolving | Bank |
Car loans
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1ING Bank | 8.49% | 10.000 – 200.000 lei | 12–96 months | Bank |
| 2Banca Transilvania | 8.65% | 15.000 – 250.000 lei | 12–96 months | Bank |
| 3BCR | 8.90% | 15.000 – 250.000 lei | 12–84 months | Bank |
| 4Garanti BBVA | 8.99% | 15.000 – 220.000 lei | 12–84 months | Bank |
Mortgages
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1Banca Transilvania | 6.49% | 70.000 – 1.500.000 lei | 60–360 months | Bank |
| 2ING Bank | 6.55% | 80.000 – 1.500.000 lei | 60–360 months | Bank |
| 3BRD | 6.69% | 80.000 – 1.500.000 lei | 60–360 months | Bank |
| 4BCR | 6.79% | 75.000 – 1.500.000 lei | 60–360 months | Bank |
| 5Raiffeisen | 6.99% | 80.000 – 1.500.000 lei | 60–360 months | Bank |
Refinancing
| Lender | APR | Amount | Term | Type |
|---|---|---|---|---|
| 1Banca Transilvania | 9.20% | 10.000 – 200.000 lei | 12–120 months | Bank |
| 2Raiffeisen | 9.45% | 10.000 – 150.000 lei | 12–120 months | Bank |
| 3BCR | 9.80% | 10.000 – 150.000 lei | 12–120 months | Bank |
| 4Patria Bank | 10.15% | 5.000 – 100.000 lei | 12–120 months | Bank |
Update note
This analysis is updated monthly. The June 2026 version was compiled on 2026-06-01 and revised on 2026-06-09.
Sources: official lender pages + National Bank of Romania (bnr.ro, Special NBFI Register).