Online Product Loan


This product is offered by TBI Credit IFN S.A. part of TBI Bank Group

Do you want a new Smartphone, an electric scooter, do you want to renew your wardrobe, go on vacation or just renovate a room?

It's easy! Buy in installments from our online stores partners! Whether you are at home, at work or out for a walk, we offer you the opportunity to apply online for the fastest and easiest to pay financing method offered by TBI Credit!


Interest rate

Representative example: For a loan granted for goods acquisition amounting to RON 5000, for a total period of 60 months, the analysis fee of the credit file (financed by the creditor) is RON 170 , the monthly interest rate is 34.8% and fixed for the entire duration of the contract, the monthly rate is RON 182.82, the total payable amount of RON 10.969,41, DAE 43.50% 


Easy to get

  • 100% digital process
  • 24/7 available  
  • Without any physical documentation needed
  • We have imagined a large range of financial products together with our partners in order for you to have the choice in your hands

Fast approval 

  • The fastest approval process on the market. It takes only 10/15 minutes to purchase your product.
  • Only three steps, some personal details and an intuitive, easy-to-follow interface.
  • Live chat in case you need guidance to finish shopping.

State of the art financing technology

  • The technology developed by TBI Credit allows video identification of the client
  • Documentation is signed electronically
  • Live ANAF and Credit Bureau checking 

Financial products to fit your needs

  • There is 0 costs for the first 30 days in order for you to see the benefits of our products 
  • We offer a flexible installments plan thus you can choose the number of installments you want
  • We permanently develop 0% interest rate campaigns for you to purchase immediately the desired products  

How to apply in 4 easy steps

Fill in the identification data

Go live with a TBI Credit representative for identification purposes

Find out if you fulfill the eligibility conditions

Sign the credit contract 

Enjoy the products you wish, everything it's easier in installments!


Partner Merchants

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    I. Continue to shop online from our 150 partner e-shops
    From the remaining credit limit, continue to buy in installments from our partner e-shops without any trips to the bank, the fastest and the simplest way possible:

    • Access one of our online partner stores
    • Fill your shopping cart with the desired products
    • Choose TBI Credit as your payment method
    • Just let yourself be guided by the online crediting process.

    II. You can shop online or use the card at any POS, anywhere in the world.
    III. You can withdraw cash from ATMs or from bank counters in the country and abroad.
    IV. 0% interest during the grace period up to 50 days for any payment in the the country or abroad.

    Following the approval of your credit for which you have applied online, you receive a card issued under the MasterCard logo in 10 working days.
    You receive the card at your mailing address.

    • Make the first transaction on ATM (cash withdrawal machine)* by correctly introducing you PIN code and your card will automatically become active, or
    • You can ask for your card activation by calling the Customer Service at 021 202 69 99

    *The first transaction on ATM can be a simple balance inquiry.

    Quickly and simply, at any SelfPay (former ZebraPay) or PayPoint collection point, by scanning the barcode printed on your account statement at the top left and typing your payment amount. Pay Point locations here
    At the SelfPay collection points (formerly ZebraPay) by entering the CNP, the contract number and the amount of the payment. SelfPay Payment Stations and the list of all services you can access are available here
    By cash or bank transfer (at least 3 business days before the due date) into one of TBI Credit accounts as follows: 

    CASH DEPOSIT              
    Raiffeisen Bank: RO62RZBR0000060003865697
    CEC Bank: RO60CECEB20044RON3223291
    TBI Bank: RO24TBIB9311001900005202
    BCR: RO96RNCB0072049681080002

    BANK TRANSFER              
    TBI Bank: RO24TBIB9311001900005202
    Raiffeisen Bank: RO72RZBR0000060016450006
    Banca Transilvania: RO37BTRL0450160100703845
    CEC Bank: RO60CECEB20044RON3223291
    BCR: RO96RNCB0072049681080002

    Use Pago Application! Learn more here.

    For your card specifically

    For any information about your card or if you want to declare it as lost / stolen, please contact Customer Care at the phone number 021 202 69 99, available 24/7.

    General information

    For any other information (card functionalities, receiving Card and PIN, your monthly statement), call

    Customer Service at 021 529 86 00
    or send an email at
    Monday to Friday 9:00 - 18:00

    The account statement is issued monthly on the 4th of the month and will be sent to the email address you have given us. Payment amounts will be due on the 25th of the month. The first statement will contain, in addition to the first installment, the monthly management fee. 

    The personal data can be updated by completing the section Personal data update or by calling us at Customer Service on 021 529 86 00, from Monday to Friday between 9:00 - 18:00.

    Within 14 calendar days since the credit approval, you have the option to withdraw from the contract. To do this, please reach the merchant you purchased from!
    Further you will be contacted to complete the cancellation process.

    A copy of your contract has been sent via email to the address provided in your credit application.
    We keep a copy of your contract, if you do not find it in your inbox call us at 021 529 86 00 and we'll send it to you. 

    Applicable documents

    Discover more

    In-store Credit

    In-store Credit

    When you find the product you desire and don’t want to waste a second longer, the In-store Credit is there to help you get it immediately!

    More details


    Customer Service
    021 529 86 00 

    Working hours
    Monday - Friday
    | 08:00 - 17:00

    Saturday - Sunday
    | Closed


    Head office

    Bucharest, Romania,
    8-12, Putul lui Zamfir Str.