Skip to main content

Personal Achievements loan

SMALLER INTEREST RATES IN LEI: Minus 1 percentage point based on the borrowed amount or the number of products attached to the loan!

Up until to the 20th of 2017, you'll benefit from better offers on personal loans with no mortgage, in Lei.

Thus, you can get discounts of 1 percentage point on your interest, considering the following:

  • based on the loan amount that you need;
  • if you opt in for one or two additional products, such as life insurance with the financed premium (which can protect you in a case of default) and a Principal or Premium  UniCreditCard (ideal for shopping with down payments without interest, while getting a 2% return on expenses);
  • if you're the employee of a company that has a salary agreement with UniCredit Bank SA or if you choose to turn your income towards an account opened at UniCredit Bank SA.

Take a look at the following tables and pick what’s best for you.

Then come in any of the UniCredit Bank branches, with nothing more than your ID and apply for an offer at one of our representatives.

You can quickly or even instantly** get an approval for any sum, up to 25.000 RON.

Easy. Simple. Quick.

** Excepting the situations in which the loan decision can’t be taken on location due to reasons independent of  the will of UniCredit Consumer Financing IFN S.A. or in which a supplementary analysis of the request is needed. The Creditor has the right to ask, as appropriate, for any documents needed in the loan’s analysis, to analyze and to approve or reject the loan request, in accordance with its internal norms and the legal regulations in force.

LOANS IN LEI WITH FIXED INTEREST FOR A PERIOD OF MINIMUM 6 MONTHS – MAXIMUM 60 MONTHS.

SUMS BETWEEN 1.500 LEI - 90.000 LEI Variable Interest
Without salary agreement / income turn With salary agreement/ income turn
Credits up to 15,000 LEI Personal Loan 11,80% 10,80%
Loan+Life insurance1 10,80%
9,80%
Loan+Life Insurance+Credit Card2 9,80%
8,80%
Credits between 15.001 LEI and 40,000 LEI Personal Loan 10,80% 9,80%
Loan+Life Insurance1 9,80% 8,80%
Loan+Life Insurance+Credit Card2 8,80% 7,80%
 
Credits over 40,000 LEI Personal Loan 9,80% 8,80%
Loan+Life Insurance1 8,80% 7,80%
Loan+Life Insurance+Credit Card2 7,80% 6,80%

 

Representative Example for a personal loan without mortgage, in total value of 45.000 lei, over 60 months: the annual variable interest rate of 6.8% (ROBOR* at 3 months + 5.96%), 250 Lei file analysis commission, 0 monthly credit administration commission, the value of the monthly downpayment is 971,6 lei (for equal down payments, that also include the cost of the optional life insurance with the financed premium, which is 0.15 % of the borrowed sum times the credit’s period) and the total payable value of 58.293,9 lei, APR 11,2 %. The present offer is available for Personal Loans contracted without a mortgage that has a financed premium life insurance and Principal or Premium UniCreditCard credit card attached or under the conditions of either the income being turned to an account opened at UniCredit Bank S.A. or the existence of a salary agreement between the applicant’s employer and UniCredit Bank S.A.

In order to be granted a Personal Loan without a mortgage, you need to make a contract for a current account with UniCredit Bank S.A. (“The Bank”), in case you don’t already have one.

LOANS IN LEI WITH FIXED INTEREST FOR A PERIOD OF MINIMUM 6 MONTHS – MAXIMUM 60 MONTHS.

 Fixed Interest
Without salary agreement / income turn With salary agreement/ income turn
Credits up to 15,000 LEI Personal Loan 12,80% 11,80%
Loan+Life insurance1 11,80%
10,80%
Loan+Life Insurance+Credit Card2 10,80%
9,80%
Credits between 15.001 LEI and 40,000 LEI Personal Loan 11,80% 10,80%
Loan+Life insurance1 10,80% 9,80%
Loan+Life Insurance+Credit Card2 9,80% 8,80%
   
Credits over 40,000 LEI
Personal Loan 10,80% 9,80%
Loan+Life insurance1 9,80% 8,80%
Loan+Life Insurance+Credit Card2 8,80% 7,80%

 

Representative Example  for a personal loan, in total value of 20.000 lei, over 60 months: the annual fixed interest rate of 9.8%, 250 Lei file analysis commission, 0 monthly credit administration commission, the value of the monthly down payment is 466,3 lei (for equal down payments, that also include the cost of the optional life insurance with the financed premium, which is 0.15 % of the borrowed sum times the credit’s period) and the total payable value of 27.980,4 lei, APR 15%. The present offer is available for Personal Loans contracted without a mortgage that have a financed premium life insurance and Principal or Premium UniCreditCard credit card attached or under the conditions of either the income being turned to an account opened at UniCredit Bank S.A. or the existence of a salary agreement between the applicant’s employer and UniCredit Bank S.A.

 

In order to be granted a Personal Loan without a mortgage, you need to make a contract for a current account with UniCredit Bank S.A. (“The Bank”), in case you don’t have one already. The current account costs are perceived separately by the Bank, based on your chosen product and are not included in the aforementioned APR.

 

1 Life insurance with the financed premium emitted by Ergo Asigurari de Viata S.A. through UniCredit Consumer Financing IFN SA, as subordinate insurance agent.

2 Principal or Premium UniCrediCard credit card.

 

Mobile Phones
Mobile Banking

The UniCredit branch in your poket

ZERO administration fees

Spinning wheel animation

Loading