You request a Personal Loan when you need money for yourself or your beloved ones. With the minimum of necessary documents, the money will reach you without making too much effort. Below you will find a cost simulation of the loan for personal needs. Credit interest varies depending on your credit profile and history. You will benefit from fixed interest rate for the entire duration of the contract. The personal needs loan is addressed to individuals.
How to Apply?
*This simulation is an example of calculation for a Personal needs loan without insurance, with an interest rate of 26%. We mention that the interest rate is customized according to your credit profile and repayment history, following the credit application analysis according to the internal policy and legal regulations in force, based on the documentation provided and the appropriate interest rate according to your profile. In order to get a customized calculation, we invite you to our working points.
Representative example: For a Personal Loan with Insurance with the value 10.000 Lei, for a total period of 24 months, the annual interest rate is 26% (fixed for the entire duration of the contract), analysis fee (financed by the creditor) is 249 Lei, the life insurance premium is 878,13 Lei, the monthly rate is 599,47 Lei, the total payable amount is 14.387,28 Lei and DAE is 32,44%.
Representative example: For a Personal Loan without Insurance with the value 10.000 Lei, for a total period of 24 months, the annual interest rate is 26% (fixed for the entire duration of the contract), analysis fee (financed by the creditor) is 249 Lei, the monthly rate is 552,16 Lei, the total payable amount is 13.251,84 Lei and DAE is 32,72%.
Minimum documentation required
No need to prove us how you use the money
Money can be received in any personal account of the client open in any bank in Romania
Disability retired persons can access a financing solution.
Applicant's maximum age at the end of the credit agreement - 75 years.
We offer you two options to pay the value of your analysis fee according to your needs, from your own sources or funded from your credit
The maximum value of the credit that can be granted is the equivalent in RON of EUR 5.000.
*In special circumstances, TBI Credit reserves the right to request other documents than those specified above.
1. At PayPoint terminals
PayPoint terminals are present in almost any commercially significant point. The payment through PayPoint terminals will be made by scanning the barcode from a statement of account and by introducing the minimum amount due.
PayPoint terminals here.
2. At SelfPay terminals
The payment at any SelfPay terminal will be made by scanning the bar code from the payment document (e.g. contract or statement), or by entering the CNP of the contract holder, selecting the contract for which payment is made and entering the payment amount.
SelfPay payment stations and a list of all the services you have access to are available here.
3. At QIWI payment stations
The payment at any QIWI terminal will be made by entering the CNP of the contract holder, selecting the contract for which the payment is made and entering the payment amount.
QIWI payment stations here.
4. By inter or intra bank transfer (with a minimum of 3 working days before the due date): convenient, safely and quickly. Use the electronic payment services (such as internet banking), or complete a payment order.
The accounts available for bank transfers are the following ones:
Banca Transilvania: RO56BTRL0450160100702145
Raiffeisen Bank: RO72RZBR0000060016450006
TBI Bank EAD Sofia – Sucursala Bucuresti: RO24TBIB9311001900005202
CEC Bank: RO60CECEB20044RON3223291
5. By cash withdrawal (with a minimum of 3 working days before the due date): simple and convenient. It is not necessary to have a current account, access to the internet or internet banking.
The accounts available for cash deposits are the following ones:
Raiffeisen Bank: RO62RZBR0000060003865697
CEC Bank: RO60CECEB20044RON3223291
TBI Bank EAD Sofia – Bucharest Branch: RO24TBIB9311001900005202