• You know from the beginning how much you will pay, as the monthly installment is a fixed amount throughout the loan validity period
  • You are protected against exchange rate volatility
  • You receive the life insurance free of charge from BCR Asigurări de Viaţă VIG
  • Final approval in maximum 3 days from submitting the complete file
  • Using 24 Banking BCR you don’t need to come to the bank to pay your monthly installment
  • Purpose: granted for satisfying the borrowed's personal needs
  • Currency of the loan: RON
  • Minimum amount: RON 3,000
  • Maximum amount:
    • 88,000 RON depending on the products held in BCR / other banks
  • Maximum term: 5 years, except loans for refinancing purpose granted to customers with BCR history, which can be extended to maximum 10 years, depending on the date when the loan / loans that are refinanced were taken
  • Down payment: not required
  • Collaterals: not required
  • Insurances:
    • Insurance certificate (life insurance) provided free of charge[3] by the bank, under the standard conditions imposed by the insurance company to borrowed persons aged between 18 and 65 years accomplished (on signing the insurance contract)
    • Complex insurance based on the clients’ option. The complex insurance covers the following risks: death, total and permanent infirmity, temporary disablement and involuntary job loss

[1] Clients who have a history with the bank (they cash their monthly salary in a BCR account, had a good repayment behavior etc.)

[2] The conditions which are to be met by the client to benefit from the insurance certificate free of charge are communicated to the client at the bank units when he is advice. By signing the credit request, the client certifies that he is aware of these conditions and accepts them

For details pls. call InfoBCR for free:

0800.801.BCR (0800.801.227) from any national network, daily, between 8.00 – 22.00, send a SMS with the text “Credit” to 1780, normal tariff or an e-mail to contact.center@bcr.ro.