Idea::selfie personal loan


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

  • easy to access:
  • generous loan limit: 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:
    • variable interest rate: ROBOR 3 months + fixed margin from 5.5% to 10.5%
    • fixed interest rate: from 9.3% to 14.3%


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.
  • income limits: minimum income of 1,000 lei/person (Bucharest) and 800 lei/person (rest of the country) or 2,000 lei/family (Bucharest) and 1,600 lei/family (rest of the country)
  • 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:


Transparent. Advantageous.

Fees charged upon granting the loan:

  • loan analysis fee: 400 lei (paid upon granting for loan amount or from borrower’s own sources) | ZERO lei in case of refinancing with no additional amount
  • credit Bureau query fee: 2.5 lei
  • electronic Archive registration fee: 65.7 lei

Fees charged during the loan period:

Fixed interest OR Variable interest
from 9.3% to 14.3% ROBOR 3 months + fixed margin from 5.5% to 10.5%
The interest depends on payment history and socio-demographic data of the borrower (age, marital status, work seniority, etc.) 
  • discount: 0.5% (0.5 percentage points) of the fixed margin/interest, if you transfer your incomes in an Idea::Bank account
  • monthly loan management fee: 0 lei
  • monthly current account management fee: 3 lei
  • early repayment fee: 0 lei according to OUG 50/2010


Instalments calculation example - variable interest:

For a 5 years Idea::selfie loan of 30,000 lei, with a 400 lei loan analysis fee, the interest rate will range from the minimum variable interest of 8.2% (with a monthly installment of 611 lei, total value to be paid 36,670 lei, APR 9.24%) to a maximum variable interest of 13.2% (with a monthly installment of 686 lei, total value to be paid 41,140 lei, APR 14.82%). Interest was determined using the formula ROBOR 3 months valid on 08.11.2018 of 3.2% + the fixed margin (from 5.5% to 10.5%, according to your socio-demographic and financial profile) and inludes a discount of 0.5 % points for having your incomes transfered in Idea::Bank accounts.

Instalments calculation example - fixed interest

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 8.8% (with a monthly installment of 620 lei, APR 9.89%, total value to be paid 37,191 lei) to a maximum fixed interest of 13.8% (with a monthly installment of 695 lei, total value to be paid 41,696 lei, APR 14.3%). The fixed interest rate (from 10.8% to 17.3%, according to your socio-demographic and financial profile) includes a discount of 0.5 % points for having your incomes transfered in Idea::Bank accounts.


Refinance your credit cards, overdrafts, personal loans from other banks with Idea::selfie!

  • you can have a lower monthly installment because we offer a better interest deal
  • if you refinance loans granted before November 2011, you can extend your loan period to up to 8 years
  • you get extra money, meaning you can pay off your current loan and get something extra (in this case, the new consumer loan will not exceed 5 years)
  • for refinancing without additional amounts, you get 400 ZERO lei loan analysis fee.


Offer - Advantageous refinancing, lower installment! Refinance your loans with Idea::selfie and keep more money in your pockets!

  • reduced variable interest rate: ROBOR 3 months + fixed margin from 5.5% 4% to 10.5% 9%
  • reduced fixed interest rate: from 9.3% 7.8% to 14.3% 12.8%


* The offer is valid until 31.12.2018, with the following benefits: 1% discount at the standard interest rate - variable or fixed - for Idea::selfie loan, both for internal and external refinancing, with or without additional amount +  0.5% discount for revenue transfer through Idea::Bank. Interest rate varies depending on your socio-demographic profile and previous payment history.

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 The Calculator of Wishes (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)