Simple, intuitive and convenient to access online a personal needs loan of up to 125,000 lei.


Easy! Apply with only your ID

No income proof documents needed, apply online if you have a monthly income that can be verify at ANAF (salary and pension).


Approved & loan in your account!

Fill in online the details from all the steps and if your loan is approved you will have the money in your Idea::Bank account!


100% online! No visit to the branch!

Yes, you access your loan online, from your home or mountain top, you will sign documents with electronic signature. 


Everything you need to know about getting a loan through Idea::WebCredit.

With Idea::WebCredit you can access Idea::selfie, personal needs loan up to 125.000 lei*:

  • loan amount: between 4,000 lei and 100,000 lei;
  • repayment period:
    • minimum 6 months, maximum 3 years, for loans up to 10,000 lei;
    • minimum 6 months, maximum 5 years, for loans over 10,000 lei.

These are the minimum eligibility criteria to access a loan through Idea::WebCredit:

  • monthly income: minimum 1,250 lei / person;
  • accepted incomes: incomes that can be verified in the ANAF database (salary, pension);
  • age: Romanian citizens between 18 and 70 years old (65 for sailors) at the end of loan contract;
  • work history: at least 3 months at current employer and total working experience of at least 1 year
  • no loans in forced execution or repeated delays in repayment of other loans.

*Loans above 100.000 lei may be accessed for a total revenue (borrower + co-borrower) higher than 7.500 lei.


Transparent. Advantageous. Stable.

Comissions upon granting: Amount
Analyses fee 400 lei
Credit Bureau interogation 2,5 lei
Registration at National Registry of Movable Property (R.N.P.M.) 87,60 lei


Comissions during contract: Amount
Fixed interest from 8.9% to 15.5%
Floating interest IRCC 1.86% + fixed margins from 6.04% to 12,64%
Monthly loan administration fee 0 lei
Monthly current account administration fee 5 lei

Early replayment

fixed interest:

  • 1% before last year of the contract
  • 0,5% in the last year of the contract

floating interest: 0% (according to OUG 50/2010)


Instalments calculation example - fixed interest: For a 5 years Idea::selfie loan of 30,000 lei, with 400 lei loan analysis fee, you can benefit of a minimum fixed interest of 8.90% (monthly installment 621 lei, A.P.R. 10.02%, total value to be paid 37,278 lei) up to a maximum fixed interest of 15.50% (monthly installment 722 lei, A.P.R. 17.49%, total value to be paid 43,296 lei). Fix interest rate varies from 8.90% up to 15.50% depending on your payment history and socio-demographic profile.

Instalments calculation example - floating interest: For a 5 years Idea::selfie loan of 30,000 lei, with 400 lei loan analysis fee, you can benefit of a minimum floating interest of 7,90% (monthly installment 607 lei, A.P.R. 8.93%, total value to be paid 36,411 lei) up to a maximum floating interest of 14.50% (monthly installment 706 lei, A.P.R. 16.33%, total value to be paid 42,351 lei). Interest rate was determined using the Reference Index for Consumer Loans (IRCC) from 01.04.2022 worth 1.86% + the fixed margin (from 6.04% up to 12,64% depending to your payment history and socio-demographic profile).

Useful information

How can you access a loan online with Idea::WebCredit?

Choose the details of the desired loan in Idea::WebCredit: amount, period, interest rate and fill in the information in the next steps:

  1. Fill in your contact details.
  2. Upload your ID and fill in the socio-demographic and financial data.
  3. Validate the information with the code received by SMS.
  4. Accept initial Idea::WebCredit offer and continue for final approval. 
  5. Performs video identification.
  6. Electronically signs the interrogation agreement at ANAF, and we will make all the necessary verifications.
  7. Ready! Your loan was approved! All you have to do is electronically sign the credit agreement .


Congratulations! The loan is in your Idea::Bank account! In your e-mail you will receive the electronically signed contract, as well as the connection details for the internet banking platform Idea::myBank so you can enjoy the loan. You will also receive a debit card so you can withdraw money from the ATM or make payments.




Other useful information:

  • The value of the public reference indices currently used in the calculation of interest for individuals loans granted starting with 31.07.2014 can be found on the NBR website. You can also consult the history of these interests.
  • Customer Guide - Here's how easy it is to access a loan online, see the guide below (Romanian version only):