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You have 0% interest and 0 commission on the personal loan

100% ONLINE

AVAILABLE 24/7

CONTINUE WITH WHAT YOU HAVE PLANNED

100% online, 24/7

The Mobile Banking application gives you non-stop access to lending solutions, as simple as a push of a button.

0 costs

  • Fixed Interest: 0%/year*
  • File analysis fee: 0 RON
  • Monthly administration fee: 0 RON*

Favorable terms

Loan of up to 15,000 RON for a maximum period of 15 months

The online offer through Mobile Banking applied to loans for personal needs without real real estate guarantees

The offer is valid from 01.10.2025 to 31.10.2025 and applies to:

  • New customers who will collect their salary through the Salary Agreement or who will transfer the equivalent of at least 2 monthly installments to the account opened at Garanti Bank SA and will request a loan for personal needs without real real estate guarantees during the Campaign period;
  • When granting new loans, refinancing of personal loans without domestic and foreign real estate collateral held at other banks is excluded.

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The information is obtained directly from official financial institutions, including the National Agency for Fiscal Administration (ANAF) and the Credit Bureau S.A., following the user’s explicit consent.

Online offer

It is addressed to individuals, new clients who, during the Campaign, open an account through the Mobile Banking application (GarantiBBVA Mobile) and who cumulatively meet the following conditions:

  • New clients who will open a current account in RON through the Mobile Banking application;
  • They will request a personal loan without real estate collateral with the Standard destination during the Campaign through the Mobile Banking application (GarantiBBVA Mobile), available in the AppStore, Google Play or AppGallery, for the IOS and Android operating systems;
  • Clients will collect their salary rights or the equivalent of at least two installments in their current accounts opened with the Bank or will collect them within two months from the date of signing the Credit Agreement;
  • Only the income reported to ANAF will be taken into consideration;
  • It applies only to the granting of new personal loans without real estate collateral with the Standard destination;
  • They meet the Bank's eligibility conditions, both in terms of account opening and in terms of granting loans, as the case may be;

This Offer applies to a single personal loan without real estate collateral with the Standard destination contracted during the Campaign period;

The following will not be included in the Campaign – online offer:

  • Employees of the Garanti Romania Group;
  • Existing customers who have a business relationship with Garanti Bank S.A.;
  • Customers who, on the date of submitting the loan application, hold another personal loan without real estate collateral with the Bank;

Campaign features

It is addressed to individuals, new clients who, during the Campaign, open an account through the Mobile Banking application (GarantiBBVA Mobile) and who cumulatively meet the following conditions:

  • Maximum Loan Amount and Currency: 15,000 Ron;
  • Maximum Credit Period: 15 Months;
  • Interest : Zero%/year*;
  • Analysis fee: Zero;
  • Credit administration fee: Zero;
  • Life insurance: Free

*In the event that the condition of monthly salary collection, or the equivalent of at least two installments in his current accounts opened with the Bank, is not respected, throughout the entire duration of the credit agreement, within two calendar months from the date of contracting the loan, the Bank will apply the standard fixed interest of 13.50%/year.

Standard calculation example

Have transparency and clarity in your costs

At Garanti BBVA, we ensure that all financial information is presented clearly and transparently, so that you can make informed decisions. Here is an example calculation for our product, which will show you how lending works, whether you are interested in a Bonus Card or a personal loan.

Example of APR calculation**, when granting the loan, if the conditions of the Campaign are met:

The Annual Effective Interest Rate (AER) is 1.34%/year* for a personal loan of 15,000 Ron over a period of 15 months, with repayment in equal installments. The interest rate is 0%/year, fixed, the analysis fee and the monthly administration fee are 0 Ron. The monthly installment is 1,000 Ron and the total amount payable is 15,132.60 Ron;

Example of APR calculation**, if, during the loan period, the Client does not comply with the condition of collecting salary rights:

The Annual Effective Interest Rate (AER) is 15.94%/year* for a personal loan of 15,000 Ron over a period of 15 months, with repayment in equal installments. The interest rate is 13.50%/year, fixed, the analysis fee and the monthly administration fee are 0 Ron. The monthly installment amount is 1,092.35 Ron and the total amount payable is 16,517.82 Ron.;

**The total payable amount and APR also include the costs related to the advertising of movable mortgages in the Register National Advertising​ movable (The fee for registering a real security agreement is 88.40 Ron, and the fee for cancellation is 44.20 Ron).

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All of the domestic and international market tables and graphs appearing on the www.garantibbva.ro website have been obtained from outside parties that provide services on such matters and have been prepared for the purpose of providing information in a general sense without any benefit being derived from them by Garanti BBVA. The validity of the tables or graphics appearing on our website is in no way guaranteed by Garanti BBVA and this information is not being provided for the purpose of securing any particular gain.

For this reason, Garanti BBVA cannot be held responsible for any direct or indirect material or moral losses or expenses that may arise on account of errors or deficiencies in the information contained in these tables and graphs or on account of transactions based on this information, or on account of any losses or expenses that outside parties may occur in any way whatsoever.

The communications/messages in electronic format do not include the essential elements to conclude a valid contract; do not represent an offer to conclude a contract or a binding intention for granting a financing facility, another product or for providing a service. The recipient’s acceptance of the terms and conditions available in electronic mail shall not be considered as a valid conclusion of a contract.

For the valid conclusion of a contract it is necessary to determine all essential elements by the competent approval authority of the bank and the written form of the contract signed by the parties involved.