Personal Accomplishments Loan

With Personal Achievement Loan, you can get between amounts between 1,500 and 100,000 RON, which you can repay in up to 60 advantageous monthly installments.

This product is offered by UniCredit Consumer Financing IFN S.A. through UniCredit Bank S.A., credit intermediary exclusively for loans granted by UniCredit Consumer Financing IFN S.A.


unicredit realizari personale

Are you at least 18 years old (maximum 70 at maturity of the loan) and need a quick loan? Choose Personal Achievements Loan from UniCredit Consumer Financing:

  • You can receive between 1,500 and 90,000 lei (450 and 20,000 euros);
  • You can choose the reimbursement term: between 6 and 60 months;
  • We don't ask for a down payment, warranties, or cosigners;
  • You can choose a fixed or a variable interest rate;
  • We accept a wide range of revenues: (salaries, pensions, navigator contracts, copyrights, rents, etc)

Depending on your needs, you can attach to your loan other complementary products, like a life insurance (that can protect you in the case of a payment impossibility)1 or a credit card 2, and if you already have your salary at UniCredit Bank or decide to move it here you get additional discounts at your loan interest.

  • Minus 1 percentage point at the loan interest if you already have your salary at UniCredit Bank or decide to move it here
  • Minus 2 percentage points at the loan interest if you attach a life insurance
  • Minus 3 percentage points at the loan interest if you chose an insurance and also a credit card (very useful for shopping in a more advantageous way anytime and anywhere, in no interest installments)


See the tables below and choose what suits you best.

LOANS IN LEI WITH VARIABLE INTEREST
Without salary agreement
With salary agreement
Small Loans
< 10.000 LEI Standard
16,99% (ROBOR + 14,06 %) 15,99% (ROBOR + 13,06 %)
With life insurance (0,15%)
14,99% (ROBOR + 12,06 %) 
13,99% (ROBOR + 11,06 %)
With life insurance and Credit Card 13,99% (ROBOR + 11,06 %) 12,99% (ROBOR + 10,06 %) 
Medium Loans 10.001 - 15.000 LEI Standard 15,99% (ROBOR + 13,06 %)  14,99% (ROBOR + 12,06 %)
With life insurance (0,15%) 13,99% (ROBOR + 11,06 %) 12,99% (ROBOR + 10,06 %) 
With life insurance and Credit Card 12,99% (ROBOR + 10,06 %) 11,99% (ROBOR + 9,06 %) 
15.001 - 25.000 LEI Standard 14,99% (ROBOR + 12,06 %)  13,99% (ROBOR + 11,06 %)
With life insurance (0,15%)
12,99% (ROBOR + 10,06 %) 11,99% (ROBOR + 9,06 %)
With life insurance and Credit Card 11,99%  (ROBOR + 9,06 %)  10,99% (ROBOR + 8,06 %)
25.001- 40.000 LEI Standard 13,49% (ROBOR + 10,56 %)  12,49% (ROBOR + 9,56 %)
With life insurance (0,15%) 11,49%  (ROBOR + 8,56 %)  10,49% (ROBOR + 7,56 %)
With life insurance and Credit Card 10,49% (ROBOR + 7,56 %)  9,49% (ROBOR + 6,56 %)
Big Loans
40.001 - 80.000 LEI
Standard
11,99% (ROBOR + 9,06 %)
10,99% (ROBOR + 8,06 %)
With life insurance (0,15%) 9,99% (ROBOR + 7,06 %)
8,99% (ROBOR + 6,06 %)
With life insurance and Credit Card 8,99% (ROBOR + 6,06 %) 7,99% (ROBOR + 5,06 %)
> 80.001 LEI
Standard
10,99% (ROBOR + 8,06 %) 
9,99% (ROBOR + 7,06 %)
With life insurance (0,15%) 8,99% (ROBOR + 6,06 %)
7,99% (ROBOR + 5,06 %)
With life insurance and Credit Card 7,99% (ROBOR + 5,06 %) 6,99% (ROBOR + 4,06 %)

Representative Example – for a Personal Accomplishments Loan without mortgage, in total value of 27.000 lei, over 60 months: the annual variable interest rate of 9,49% (ROBOR* at 3 months + 6,56%), 250 Lei file analysis commission(requested only if the credit is given), 0 monthly credit administration commission, the value of the monthly down payment is 623,19 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 37.392,06 lei, APR 14,52 %.

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 an Unexpectedly Easy Credit 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.

*ROBOR every 3 months, available at 20.06.2018.

LOANS IN LEI WITH FIXED INTEREST
Without salary agreement
With salary agreement
Small Loans
< 10.000 LEI Standard
18,49% 17,49%
With life insurance (0,15%)
16,49%
15,49%
With life insurance and Credit Card 15,49% 14,49%
Medium Loans 10.001 - 15.000 LEI Standard 17,49% 16,49%
With life insurance (0,15%) 15,49% 14,49%
With life insurance and Credit Card 14,49% 13,49%
15.001 - 25.000 LEI Standard 16,49% 15,49%
With life insurance (0,15%)
14,49% 13,49%
With life insurance and Credit Card 13,49% 12,49%
25.001- 40.000 LEI Standard 14,99% 13,99%
With life insurance (0,15%) 12,99% 11,99%
With life insurance and Credit Card 11,99% 10,99%
Big Loans
40.001 - 80.000 LEI
Standard
13,49%
12,49%
With life insurance (0,15%) 11,49%
10,49%
With life insurance and Credit Card 10,49% 9,49%
> 80.001 LEI
Standard
12,49%
11,49%
With life insurance (0,15%) 10,49%
9,49%
With life insurance and Credit Card 9,49% 8,49%

Representative Example – for a Personal Accomplishments Loan, in total value of 27.000 lei, over 60 months: the annual fixed interest rate of 10,99%, 250 Lei file analysis commission(requested only if the loan is given), 0 monthly credit administration commission, the value of the monthly down payment is 645,17 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 38.710,84 lei, APR 16,31%.

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 an Unexpectedly Easy Credit 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. The an Unexpectedly Easy Credit and the Principal and Premium UniCreditCard credit cards are provided by UniCredit Consumer Financing IFN S.A. through UniCredit Bank S.A., which acts as an exclusive loan intermediary with an auxiliary title for the personal loans without mortgage offered by UniCredit Consumer Financing IFN S.A.

¹ Life insurance with financed bonus issued by Ergo Asigurari de Viata S.A. via UniCredit Consumer Financing IFN S.A., acting as dependent insurance agent.

² Credit card UniCreditCard Principal or Premium

Commissions

Commission name
RON Credit
EUR Credit
Loan administration commission
0 RON
0 EUR
File analysis commission 250 RON 45 EUR
Anticipated Reimbursement commission 1% pentru perioada de dobanda fixa*
0% pentru perioada de dobanda variabila
1% pentru perioada de dobanda fixa*
0% pentru perioada de dobanda variabila
Non-payment penalties (for total payment overdues) Rata dobanzii (la nivelul in vigoare, cand creditul nu inregistreaza restanta) + 3% pe an
Unique commission for services provided on customer demand 180 RON 40 EUR

*0,5% for reimbursements made within less than a year before the final due date.


You can attach an insurance package with diverse coverage, to your Unexpectedly Easy Credit, as shown below. However getting an insurance package is not mandatory in order to obtain the credit.

Package

Insurance type

Formula

Coverage

Bonus percentage

Option 1

Unique bonus, financed

Credit value* bonus percentage * period of time

Death, by any cause, total permanent disability, involuntary loss of job

0,15%

Option 2

Monthly bonus

Credit value * bonus percentage

Death, by any cause, total permanent disability, involuntary loss of job

0,15%


Necessary documents needed for financial approval:

  • Identity document (BI/CI);
  • Documents that may attest income or ANAF Consulting Agreement.

    (to be filled in UniCredit Bank branch);

    *Useful for persons (employed or retired) for which there are legal obligation of declaring income to fiscal authorities.

  • Credit Application


Eligibility conditions

In order to contractually obtain an Unexpectedly Easy Credit it is imperative to respect the next minimal conditions of eligibility:

  • Minimum age: 18 years old ( 25 for sailors );
  • Maximum age (the age by which the credit must be reimbursed in its entirety): 70 years old (60 years for sailors. Excepting the attested navigators for whom the minimum age is 60 (the age up until the loan must be totally reimbursed));
  • Monthly eligible income: At least 450 LEI (250 euro for sailors).

What is the difference between the fixed interest rate and the variable interest rate?

The variable interest rate is a way of calculating your loan interest rate, reviewable at a contractually agreed interval, taking into account an established indicator by the Romanian National Bank (ROBOR/EURIBOR). In the case of fixed interest loans, interest remains unchanged for the entire period of the credit.

How long until I get an answer to my request after my full credit documentation submission?

In case of credits up to 25,000 lei, you can receive a response on your request immediately. In most cases the credit application is analyzed and has a final resolution in about 2 business days.

If I pay in advance the loan, do I need to pay the interest as well?

No. As soon as you pay in advance, the interest calculation will resume on the balance of the resulting loan after early repayment. That means if you have paid the full loan, interest will no longer be charged. But make sure that you have deposited the equivalent amount of your early repayment commission, if that fee has been charged for your contract.

Is insurance required for the credit to be granted?

You can choose a multipurpose insurance package that involves a single payment, or monthly payments. It’s not mandatory to buy the insurance to have your credit granted.

If I do not want insurance anymore, how do I proceed?

We do not recommend renouncing the insurance package, which protects you from a large number of unpleasant situations. If you still want to expose yourself to these risks, please follow the procedure specified by our branch colleagues from UniCredit Bank

Do I need to open an account to use my approved loan?

Yes. In order to succeed in paying the loan, it’s necessary to open a UniCredit Bank account, in which you will also submit the payments related to the credit agreement.

How do I make the loan payments?

You can pay directly to UniCredit Bank's cash desks through PayPoint and SelfPay payment stations or by automatically debiting the current account opened with UniCredit Bank.

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