Personal loan and refinancing

The right loan for you from Garanti BBVA

115.000 Lei

Maximum lending limit and currency

5 years

Maximum lending period

Features of personal loans

Refinancing personal loan


You enjoy a number of benefits if you apply for a personal loan without real estate collateral or refinance through Garanti BBVA:

Benefit from free Credit Repayment Protection Insurance, which covers: involuntary job loss, death, details here

Moneda Tip
de referinţă
Marjă* Rata dobânzii
(indice +
de analiză
Comision de
RON Fixă - 9.90% - - 200 RON 20 RON
RON Variabilă IRCC3M - 4.95% 10.93% 200 RON 20 RON

*The fixed interest rates and margins shown are valid if you receive your income in an account at Garanti BBVA

**The variable interest rate is updated quarterly, depending on the evolution of the benchmark for consumer loans: on January 1, April 1, July 1 and October 1, for the entire duration of the loan.

***The refinancing balance/sold for a period longer than 5 years of personal loans without real estate collateral contracted before 08.07.2020 is excluded from the analysis fee. Otherwise, the fee from the list of Interests and Fees for loans to individuals will be applied.

Example of calculation for refinancing offer with salary collection:

The Annual Percentage Rate (APR) is 10.71%/year, for a personal loan of 42,000 Lei over a period of 53 months with repayment in equal installments. The interest rate is 9.01%/year, variable, consisting of IRCC at 3 months + bank margin 4.95%, the analysis fee is 200 lei and the monthly management fee is 20 lei. The monthly installment is 983,49 Lei and the total amount payable is 54,412.59 Lei.

Details of the cost structure (interest, fees, other charges)  here.

Important information

Things to consider:

Personal loan simulation

In just a few clicks, you can quickly and easily simulate a personal loan.

Personal loans are easy to get

Other types of loans

Aplică pentru credit imobiliar | Garanti BBVA

Housing Loan

Finding the house of your dreams is a big deal! There is no place on Earth like that home where everything is to your liking.

Find out more