Benefits

With Idea::VIP you can access up to 100,000 RON with the best interest from Idea::Bank!

 

Floating interest IRCC + 6.04%

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).

 

 

Features

Find out more about Idea::VIP loan:

  • loan value: from 4.000 lei to 125.000 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::myBank internet banking;
    •  using SelfPay payment stations;
    • you may find more payment options here.

Costs

Transparent. Advantageous.

Fees charged upon granting the loan:

  • loan analysis fee: 400 lei 
  • credit Bureau query fee: 2.5 lei
  • electronic Archive registration fee: 87.60 lei

Fees charged during the loan period:

  • Fixed interest 8.9%  
  • Floating interest IRCC 2.65% + fixed margin 6.04% 
  • 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

 

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. 10.03%, total value to be paid 37,278 lei).

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 8.69% (monthly installment 618 lei, A.P.R. 9.80%, total value to be paid 37,095 lei). Interest rate was determined using the Reference Index for Consumer Loans (IRCC) from 01.07.2022 worth 2.65% + 6.05% fixed margin.

Useful information

Indices, interest rates, and other information.

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.

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