Calculation example:: For Idea::shopping card with a loan limit of 5,367 lei, the interest is 17%/year in the case of the monthly income transfer into an Idea::Bank account. The annual effective interest rate (DAE) is 18.39% over a 1 year period and the total payment is 5.861,21 lei. Values were calculated on the assumption that the loan limit is fully utilized by payments lower than 200 lei, immediately after the grant, and repaid in equal monthly installments. The calculation does not refer to the use of loan limit with interest-free installments.
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* Fixed interest ranges from 8.9% to 15% according to your socio-demographic and financial profile and includes a discount of 1% for transferring your income through Idea::Bank. For a 5 years Idea::selfie loan of 30,000 lei, with 400 lei loan analysis fee, the interest interest will range from a minimum fixed interest of 8.9% (with a monthly installment of 621 lei, APR 10%, total value to be paid 37,278 lei) to a maximum fixed interest of 15% (with a monthly installment of 714 lei, total value to be paid 42,822 lei, APR 16.9%).