With Idea::VIP you can access up to 100,000 RON with the best interest from Idea::Bank!
Floating interest IRCC + 5.7%*
If you have a monthly income larger than 7,500 lei, you will probably benefit from one of the best interest rates on the market.
Fixed interest 8.9%*
Choose a loan with fixed instalments, and if you transfer your monthly income larger than 7,500 lei to Idea::Bank, you get one of the best interest rates on the market.
Money in account in 2 hours
You have the money in your account in max. 2 hours from the moment you signed the application in a branch, if your income can be verified at ANAF (salary, pension).
*Fixed margin/interest has a 2% (two percentage points) discount conditioned by transfering your monthly income in an Idea::Bank account.
Find out more about Idea::VIP loan:
- loan value: from 15,001 lei to 100,000 lei;
- loan period:
- min. 6 months, max. 3 years for amounts up to 10.000 lei;
- min. 6 months, max. 5 years for loans higher that 10.000 lei.
- age limits: any Romanian citizen aged between 18 and 65 upon the final maturity of the loan ;
- payment of installments:
- via Idea::iBank internet banking;
- in any Idea::Bank branch or using SelfPay payment stations.
Fees charged upon granting the loan:
- loan analysis fee: 400 lei
- credit Bureau query fee: 2.5 lei
- electronic Archive registration fee: 65.7 lei
Fees charged during the loan period:
- Fixed interest 10.9%
- Floating interest IRCC 2.44% + fixed margin 7.7%
- discount 2% for fixed margin/interest, if you transfer your incomes in an Idea::Bank account
- monthly loan management fee: 0 lei
- monthly current account management fee: 5 lei | ZERO lei with Idea::activ offer
- early repayment fee:
- fixed interest:
- 1% before the last year of the contract
- 0,5% in the last year of the contract
- fixed interest:
Instalments calculation example - fixed interest: For a 5 years Idea::VIP loan of 30,000 lei, with 400 lei loan analysis fee, you can benefit of a fixed interest of 8.90% (monthly installment 621 lei, A.P.R. 9.9%, total value to be paid 37,278 lei). The interest rate of 8.90% includes 2 percentage points discount for having your incomes transferred in Idea::Bank accounts.
Instalments calculation example - floating interest: For a 5 years Idea::VIP loan of 30,000 lei, with 400 lei loan analysis fee, you can benefit of a floating interest of 8.11% (monthly installment 610 lei, A.P.R. 9.14%, total value to be paid 36,592 lei). Interest rate was determined using the Reference Index for Consumer Loans (IRCC) from 01.07.2020 worth 2.41% + 5.70% fixed margin and includes discount of 2 percentage points for having your incomes transferred in Idea::Bank accounts.
Indices, interest rates, and other information.
How to apply
With one phone call or with one click you can apply for Idea::VIP personal loan!
- send a text to 1710 with "VIP" and we will get back to you in no time
- online, filling in the form bellow
- call *4455 / 021.318.95.00
- come to the nearest Idea::Bank branch with your valid ID card
Apply for VIP personal loan
We will get back to you in no time!