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Our offer

It is considered that some things are hard to accomplish: dreams, plans, holidays, relationships… But sometimes, things that seem very difficult to use are, in fact, unexpectedly easy to accomplish.

That’s why, to help you achieve all of the things you want, we have created the Unexpectedly Easy Loan.

Based on your needs, you can request the loan together with one or more of our products and benefit of a more convenient interest rate.

  • You can receive between 1,500 and 90,000 lei (450 and 20,000 euros);
  • You can choose a fixed or a variable interest rate;
  • We don't ask for a down payment, warranties, or cosigners;
  • You can choose the reimbursement term: between 6 and 60 months;
  • You can choose a complex package of insurance with multiple coverage , and select from the monthly premium or the financed one included in the loan amount;
  • The minimum acceptable income is 450 lei;
  • Accepted clients must be between 18 and 70 years of age(at loan maturity);
  • We accept a wide range of revenues: salaries obtained in the country or abroad, pensions, navigator contracts, copyrights, rents, dividends, freelance activities, lifelong indemnities, allowances, administrator or management indemnities, management contracts, income from farming, or even from insurance policies;
  • You can repay the loan in equal or in descending order rates between the 5th and 20th of every month with installment due dates of your choice.

Interest rates

Sums between 1.500 - 15.000 RON over 60 months (minimum 6 months) Variable interest rate
With salary domiciliation without salary domiciliation
Unexpectedly Easy Loan
+Life insurance
+Credit Card
9,8% 10,8%
Unexpectedly Easy Loan
+Life insurance
UniCreditCard Principal/Premium
10,8% 11,8%
Unexpectedly Easy Loan

11,8% 12,8%

Representative example for a Personal Achievement/Refinancing loan without mortgage, of 15.000 RON, for a period of 60 months: variable interest rate is 9,80% (ROBOR at 3 months + 8,98%),  analysis commission is 250 RON, loan administration commission is 0 RON, the monthly rate will be 351,1 RON (for equal rates, the rate does not include the optional life insurance cost), and the total payable amount is 21.064,8 RON, EAR: 15,2%. The product is offered by UniCredit Consumer Financing IFN S.A. through UniCredit Bank S.A., credit intermediary with an exclusive auxiliary title of the personal achievements loans without mortgage offered by UniCredit Consumer Financing IFN S.A. In order to be granted the loan, you have to sign a current account contract with UniCredit Bank S.A. (“the bank”) in case you do not already have an existing current account at the bank. The offer is valid only in case of contracting a Personal Loan and life insurance (as a result of a favorable credit analysis), together with UniCreditCard Principal or Premium, and with the transfer of income into an account opened with UniCredit Bank SA, or the existence of a wage agreement between your employee and UniCredit Bank SA. To grant the Personal Loan without a mortgage, you must open a current account contract with UniCredit Bank S.A. IOffer valid until September 20, 2017. * ROBOR at 3 months, valid on June 20, 2017

Sums between 15.001 - 25.000 RON over 60 months (minimum 6 months) Variable interest rate
With salary domiciliation without salary domiciliation
Unexpectedly Easy Loan
+Life insurance
+Credit Card
8,8% 9,8%
Unexpectedly Easy Loan
+Life insurance
UniCreditCard Principal/Premium
9,8% 10,8%
Unexpectedly Easy Loan

10,8% 11,8%

Representative example for a Personal Achievement/Refinancing loan without mortgage, of 20.000 RON, for a period of 60 months: variable interest rate is 9,80% (ROBOR at 3 months + 7,98%),  analysis commission is 250 RON, loan administration commission is 0 RON, the monthly rate will be 455,6 RON (for equal rates, the rate does not include the optional life insurance cost), and the total payable amount is 27.335,6 RON, EAR: 13,9%. The product is offered by UniCredit Consumer Financing IFN S.A. through UniCredit Bank S.A., credit intermediary with an exclusive auxiliary title of the personal achievements loans without mortgage offered by UniCredit Consumer Financing IFN S.A. In order to be granted the loan, you have to sign a current account contract with UniCredit Bank S.A. (“the bank”) in case you do not already have an existing current account at the bank. The offer is valid only in case of contracting a Personal Loan and life insurance (as a result of a favorable credit analysis), together with UniCreditCard Principal or Premium, and with the transfer of income into an account opened with UniCredit Bank SA, or the existence of a wage agreement between your employee and UniCredit Bank SA. To grant the Personal Loan without a mortgage, you must open a current account contract with UniCredit Bank S.A. IOffer valid until September 20, 2017. * ROBOR at 3 months, valid on June 20, 2017

Fees

Fee LEI  EUR 
File inquiry fee 250 LEI 45 EUR
Early reimbursement fee 1% for fixed interest period*
0% for variable interest period
1% for fixed interest period**
0% for variable interest period
Penalty for non-payment (from total remaining amount) Interest rate +3% per year
Unique fee for customer demanded services 180 LEI 40 EUR

* 0.5% for repayments made less than one year before the final maturity

Interest rates


Online

We will contact you in the shortest time.

Info Center

+40 21 200 2020*

Branch

All UniCredit Branches


*regular fee in Telekom Romania sau *2020 (regular fee in Telekom Romania, Orange, RCS&RDS, Vodafone).

Required documents


Required documents for financial approval:

  • ID card/Passport;
  • Income certification documents;, Or ANAF database consultation agreement*

    (to be compiled in UniCredit Bank branch);

    * Applicable to categories of persons (employees or retirees) for whom there are legal obligations to declare income to tax authorities.

  • Loan request which includes the approval for the inquiry of the Credit Bureau and of the Central Credit Register;.

Eligibility requirements

To obtain this product, the following minimum eligibility requirements must be accomplished:

  • Minimum age: 18 years ( 25 years for navigators );
  • Maximum age: 70 years (55 years for navigators .Except for patented navigators for whom the minimum age is 60 years (the age to which the credit has to be reimbursed in ful));
  • Eligible monthly income : Minimum 450 lei (250 euro for navigators).

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