Benefits

With Idea::selfie personal loan it is simple to turn your ideas into reality!

  • easy to access:
  • generous loan limit: from 15.001 lei up to 100,000 lei
  • low costs: you get one of the best deals in terms of interest rate according to your socio-demographic and financial profile:
    • fixed interest rate*: from 8.9% to 15%
    • floating interst rate*: IRCC 2.63% + fixed margin from 5.70% to 11.80%

* The interest includes a 1 percentage point discount for revenues transfered through Idea::Bank.

Features

More details about Idea::selfie personal loan:

  • loan limits: up to 100,000 lei
  • loan period: minimum 6 months, maximum 5 years
  • type of accepted revenues: salary, pension, dividends, rental income, copyrights, income from abroad, income from liberal professions, navigators etc.
  • monthly income limits: minimum 1,500 lei/person
  • age limits: any Romanian citizen aged between 18 and no more than 70 years (65 years for navigators) upon the final maturity of the loan can apply
  • payment of installments:

Costs

Transparent. Advantageous.

Fees charged on granting credit:

  • file analysis fee: 400 lei | ZERO lei in case of refinancing without additional amount
  • Credit Bureau interrogation fee: 2.5 lei
  • registration at the National Register for Movable Property Publicity (R.N.P.M.) fee : 65.7 lei

Costs charged during the credit period:

  • You choose the type of interst that suits you:
 

Floating interest

IRCC 2.63% + fixed margin from 6.70% to 12.80%

 

Fixed interest

from 9.9% to 16%

 

Interest discount

1% from the fixed interest/margin for income transfer to Idea::Bank.

The interest varies according to the payment history and the socio-demographic data of the borrower (age, marital status, seniority in work, career level, etc.).

  • loan administration monthly fee: 0 lei
  • current account administration monthly fee: 3 lei
  • early repayment fee:
    • fixed interest:
      • 1% before the last year of the contract
      • 0.5% in the last year of the contract
    • variable interest rate: 0% (conf. 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 8.9% (with a monthly installment of 621 lei, APR 10%, total value to be paid 37,278 lei) up to a maximum fixed interest of 15% (with a monthly installment of 714 lei, APR 16.90%, total value to be paid 42,822 lei). The interest rate (from 8.9% up to 15% varies according to your payment history and socio-demographic profile) includes 1 percentage point discount for having your incomes transferred in Idea::Bank accounts.

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 8.33% (with a monthly installment of 613 lei, APR 9.38%, total value to be paid 36,782 lei) up to a maximum floating interest of 14.43% (with a monthly installment of 705 lei, APR 16.23%, total value to be paid 42,285 lei). Interest rate was determined using the Reference Index for Consumer Loans (IRCC) from 18.09.2019 worth 2.63% + the fixed margin (from 5.70% up to 11.80% depending to your payment history and socio-demographic profile) and includes discount of 1 percentage point for having your incomes transferred in Idea::Bank accounts.

Useful information

Indices, interest rates, documents

The public reference indices currently used in determining the interest rate for individuals loans granted as of 31.07.2014 are available on the NBR website. This is where you can also find the historical evolution of these values.

If you need a certificate attesting your incomes, you can download it here.

If you want to find out more, read the Client Guide - you can find it in Useful for you section.

How to apply

With one phone call or with one click you can apply for Idea::selfie personal loan!

  • online, using Idea::WebCredit (Romanian version only)
  • send a text to 1710 with "selfie" and we will get back to you in no time
  • call *4455 / 021.318.95.00 (no overcharge)
  • come to the nearest Idea::Bank branch with your valid ID card (in case of refinancing or in other special cases, other documents may be requested from which to result the IBAN and the data about the refinanced loans)