The digitization comes now

with more benefits

  • 2 percentage points lower interest rates versus the standard loan offer

Find more

The digitization comes now with even more benefits.

Between July 1st and July 31st, you are able to sign electronically the loan documentation for the Personal Loan and for the Green Loan and you could benefit of 2pp lower interest rates compared to our standard interest rates.

Our offer

 

2 percentage points lower interest rates versus the standard loan offer

Please examine the tables below and choose the offer that fits you the most

PERSONAL LOAN OFFER

WITHOUT TRANSFERING CLIENTS INCOME  IN ONE UNICREDIT BANK ACCOUNT

Fixed interest/ Year

Fixed interest with qualified electronic signature/ Year

Small loans
1.500 - 20.000 Lei Standard 15.99% 13.99%
Life insurance¹ 13.99% 11.99%
Medium loans 20.001 - 50.000 Lei Standard 14.99% 12.99%
Life insurance¹ 12.99% 10.99%
Large loans 50.001 - 100.000 Lei Standard 13.99% 11.99%
Life insurance¹ 11.99% 9.99%

PERSONAL LOAN OFFER DESIGNED FOR CLIENTS WHO ALREADY TRANSFER THEIR INCOME IN ONE UNICREDIT BANK ACCOUNT FOR AT LEAST 2 MONTHS OUT OF THE LAST 4 MONTHS

Fixed interest/ year

Fixed interest with qualified electronic signature/ Year

Small loans 1.500 - 20.000 Lei Standard 13.99% 11.99%
Life insurance¹ 11.99% 9.99%
Life insurance¹ + UniCreditCard² credit card 10.99% 8.99%
Medium loans 20.001 - 50.000 Lei Standard 12.99% 10.99%
Life insurance¹ 10.99% 8.99%
Life insurance¹ + UniCreditCard² credit card 9.99% 7.99%
Large Loans 50.001 - 100.000 Lei Standard 11.99% 9.99%
Life insurance¹ 9.99% 7.99%
Life insurance¹ + UniCreditCard² credit card 8.99% 6.99%

        GREEN LOAN OFFER - MORTGAGE FREE        Fixed interest/ Year

Fixed interest with qualified electronic signature/ Year

Small loans
1.500 - 20.000 Lei Standard 13.49% 11.49%
Life Insurance¹ 11.49% 9.49%
Medium loans 20.001 - 50.000 Lei Standard 12.49% 10.49%
Life Insurance¹ 10.49% 8.49%
Large Loans 50.001 - 100.000 Lei Standard 11.49% 9.49%
Life Insurance¹ 9.49% 7.49%

 

In order to sign electronically you got to have a personal mobile number, an e-mail address and to give your acceptance to sign electronically the loan documentation using the qualified signature. The qualified electronic signature has the same legal power as the handwritten signature and could be used after the obtaining of a qualified electronic certificate issued by TRANS SPED SRL, qualified and reliable service provider.

STEPS TO BE TAKEN FOR SIGNING UP THE LOAN DOCUMENTATION


Issuing the electronic qualified certificate for the purpose of signing the loan documentation using the electronic qualified signature;

On the made available tablet, carefully going through the documentation that it wil be signed using the electronic qualified signature;

Singing up the documentation using the code send via text message;

ELECTRONIC SIGNATURE - BENEFITS

 

    • The electronic signature is available free of charge, all the cost incurred being covered by UniCredit Consumer Financing I.F.N. S.A. for all loan/ credit card applicants who have a valid e-mail address and a personal mobile number;

    • The documents are signed electronically, based on a digital certificate, having the same legal power as the handwritten sigantura (on paper);

    • The entire documentation is sent via e-mail to be kept.

 

Offer valid between July 1st and July 31st 2020

¹Life insurance with the unique funded premium is issued by Generali Romania Asigurare Reasigurare S.A. through UniCredit Consumer Financing IFN SA, as an auxiliary insurance agent registered with the Financial Supervisory Authority with number RAJ-502078. ²Main or Premium UniCreditCard credit card issued by UniCredit Consumer Financing IFN SA.

Representative example for a Personal Loan offered by UniCredit Consumer Financing IFN S.A.
Representative example for a Green Credit without Mortgage
Representative example for a Main / Premium credit card

Details regarding the complete offer of financial and insurance products can be found on www.ucfin.ro.

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