Current offer

With the Personal Loan, you won’t need a mortgage to quickly get sums between 1.500 lei/ 450 euro and 90.000 lei/ 20.000 euro, for a 6 – 60 months period, that you can use to refurbish your home, vacations, studies, wedding or any other personal plan that you have in mind.

DISCOUNTS FOR INTERESTS IN LEI: Minus 1 percentage point depending on the borrowed sum or the number of products attached to the credit!

Until 20th of September 2017, you’ll benefit from better offers on personal loans in lei and without a mortgage.


Thus, you can get discounts of 1 percentage point on interest:

Depending on the loan amount that you need;

If you opt in for one or two additional products, such as life insurance with 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. The Down payments without interest and Loyalty Programs are subject to Terms & Conditions. View the Terms & Conditions here and here);

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.

Personal Loan calculator

Here you can find more info related to the product that  suits your needs.

Interest rates

Check the data in the following tables and choose what fits you best.


LOANS IN LEI WITH VARIABLE INTEREST RATE (ROBOR AT 3 MONTHS) FOR A PERIOD OF MINIMUM 6 MONTHS – MAXIMUM 60 MONTHS

  Variable 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 Insura+Credit Card2 10,80%
9,80%
       
Credits between 15.001 LEI and 25,000 LEI Personal Loan 11,80% 10,80%
Loan +Life Insurance1 10,80% 9,80%
Loan+Life Insura+Credit Card2 9,80% 8,80%
       
Credits between 25.001 and 40,000 LEI Personal Loan 10,80% 9,80%
Loan +Life Insurance1 9,80% 8,80%
Loan+Life Insura+Credit Card2 8,80% 7,80%
       
Credits between 40,000 LEI Personal Loan 9,80% 8,80%
Loan +Life Insurance1 8,80% 7,80%
Loan+Life Insura+Credit Card2 7,80% 6,80%

Personal Loan
Personal Loan
Personal Loan
Personal Loan
Personal Loan

Representative Example – for a Personal Loan without mortgage, in total value of 45.000 lei for over 60 months: the annual variable interest rate of 6.8% (ROBOR* at 3 months + 5.98%), 250 lei file analysis commission, 0 monthly loan administration commission, the value of the monthly down payment 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 and 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 get a Personal Loan without a mortgage you must contract a current account with UniCredit Bank S.A. (“The Bank”), in case you don’t have one already.

*ROBOR at 3 months, available on 20.06.2017

LOANS IN LEI WITH FIXED INTEREST RATE 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 13,80% 12,80%
Loan +Life Insurance1 12,80%
11,80%
Loan+Life Insura+Credit Card2 11,80%
10,80%
       
Credits between 15.001 LEI and 25,000 LEI Personal Loan 12,80% 11,80%
Loan +Life Insurance1 11,80% 10,80%
Loan+Life Insura+Credit Card2 10,80% 9,80%
       
Credits between 25.001 and 40,000 LEI Personal Loan 11,80% 10,80%
Loan +Life Insurance1 10,80% 9,80%
Loan+Life Insura+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 Insura+Credit Card2 8,80% 7,80%

Representative Example – for a Personal loan without mortgage, 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 loan 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 has a financed premium life insurance and Principal or Premium UniCreditCard credit card attached and 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 get a Personal Loan without a mortgage you must contract 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, depending on your chosen product and are not included in the aforementioned APR. The Personal Loans and the Premium and Principal UniCreditCards are offered by UniCredit Consumer Financing IFN S. A., exclusive loan intermediary with an auxiliary title for personal loans without a mortgage offered by UniCredit Consumer Financing IFN S.A. .

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

2 Principal or Premium UniCrediCard credit card.

Commisions

Commision Name RON Credit EUR Credit
File analysis commission 250 RON 45 EUR
Anticipated Reimbursement Commission 1 % for the fixed interest rate period*
0% for the variable interest rate period
1 % for the fixed interest rate period*
0% for the variable interest rate period
Non-payment penalties (for total payment overdues) Interest rate( at the actual level, when the loan doesn’t register overdues) + 3% per year
Unique commission for services provided on consumer demand 180 RON 40 EUR

*0.5% for reimbursements made within less than a year before the final due date.

How do I apply?


Online

We will contact you shortly.

Info Center

+40 21 200 2020*

Branch Office

Any of the UniCreditBank branch offices


*calls with a normal rate in the fixed telephone network Telekom Romania or *2020 (calls with a fixed rate in Telekom Romania, Orange, RCS&RDS, Vodafone, Mobile Networks).


Necessarry documents


Document necessarry for the financial approval:

  • Identification Document( ID);
  • Income certification documents or the Accord for consulting the ANAF* database *

    (completed in a UniCredit Bank Branch);

    **Applicable to all categories of people (employees and retirees) for whom exists a legal obligation to declare income to the fiscal authorities.

  • Loan Request – includes the Credit’s Bureau and Credit Risk Central accord for interrogation.


Eligibility Terms

For contracting a personal loan it’s necessarry to meet the following minimum eligibility terms:

  • Minimum age: 18 years ( 25 years for navigators );
  • Maximum age: 70 years (55 years for navigators. Excepting the attested navigators for whom the minimum age is 60 (the age up until the loan must be totally reimbursed;
  • Minimum eligible net income: Minimum 450 lei (250 euro for navigators).

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