Copyright © 2023, Garanti BBVA
100% ONLINE
EQUAL MONTHLY INSTALLMENTS
LIFE INSURANCE INCLUDED
You have the lowest fixed interest rate on a personal loan – 4.99%.
Or Apply here, leave us your details and we will contact you with more information.
*If, during the entire loan period, the monthly salary or the equivalent of at least two installments is not received in the current accounts opened with the Bank within two calendar months from the loan date, the Bank will apply the standard fixed interest rate of 13.50% per year.
*The total payable amount and APR include the costs related to registering and deregistering the movable mortgage in the National Registry for Movable Property Publicity (registration fee 88.40 RON, deregistration fee 44.20 RON).
*The total payable amount and APR include the costs related to registering and deregistering the movable mortgage in the National Registry for Movable Property Publicity (registration fee 88.40 RON, deregistration fee 44.20 RON).
The offer is valid between 20.11.2025 and 31.01.2026 and applies to:
The fixed interest rate of 4.99% is the lowest fixed interest rate available for personal needs loans at Garanti BBVA. It remains constant throughout the contract if you meet the campaign conditions, so your monthly installments are predictable.
To apply for the personal needs loan with the low fixed interest rate, you must apply 100% online through the Garanti BBVA Mobile app, available on AppStore, Google Play or AppGallery. This offer is available exclusively through the mobile app.
The campaign offering the lowest fixed interest rate for personal needs loans at Garanti BBVA is valid from November 20, 2025, to January 31, 2026. To benefit from the offer, you must apply for and sign the loan contract within this period.
To keep the fixed 4.99% interest rate, you must receive your monthly salary or the equivalent of at least two installments in your Garanti BBVA account for the entire contract period (36 months). This condition must be met starting from the first two months after signing the contract.
If you stop receiving your salary or the equivalent of at least two installments in your Garanti BBVA account, the interest rate increases from 4.99% per year to 13.50% per year. The loan becomes a standard personal needs loan, the monthly installment increases, and the total cost of the loan becomes significantly higher.
No, the lowest fixed interest rate of 4.99% per year does not apply to refinancing existing loans, whether from Garanti BBVA or other banks. The campaign applies only to new personal needs loans.
Within this offer, you can access up to 40,000 RON for up to 36 months. The loan is repaid in equal monthly installments to support easier financial planning.
The application is fully online and fast. You apply directly on the Garanti BBVA Mobile app, complete the needed information, and receive a prompt decision. If approved, you will sign the contract electronically.
Yes, life insurance is included in the offer, but at no cost throughout the entire contract. You benefit from full coverage without extra fees.
Yes, the campaign is dedicated to new clients. You need to open an online account with Garanti BBVA and apply for the loan through the mobile app. Make sure your income is registered with ANAF and that you meet the bank’s eligibility criteria.
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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.
