With Idea::VIP you can access up to 100,000 RON with the best interest from Idea::Bank!
Interest 4,9% + ROBOR 3M
If you have a monthly income of over 7,500 RON and transfer it to us, you are guaranteed one of the best variable interest rates in the market *.
Fixed interest 8,9%
Choose a fixed rate loan, and if you transfer to us a monthly income of more than 7,500 RON, you will benefit from one of the best interests on the market*.
Money in 2 hours
You have the money in your account in max. 2 hours from the moment you signed the request in the branch, if the income can be verified at ANAF (salary, pension).
*Interest includes a 1% discount conditioned by the transfer of your income to an account opened at Idea::Bank.
Find out more about Idea::VIP loan:
- loan value: from 15,001 lei to 100,000 lei
- loan period: minimum 6 months, maximum 5 years
- 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:
- 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:
- Variable interest ROBOR 3 months + fixed margin from 5.9% OR Fixed interest 9.9%
- 1% (one percentage point) 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:
- variable interest: 0 lei according to OUG 50/2010
- fixed interest:
- 1% before the last year of the contract
- 0,5% in the last year of the contract
Instalments calculation example - variable interest:
For a 5 years Idea::VIP loan of 30,000 lei, with a 400 lei loan analysis fee, the variable interest will be 7.87% (with a monthly installment of 606 lei, total value to be paid 36,386 lei, APR 8.88%). Interest was determined using the formula ROBOR 3 months valid on 07.01.2019 of 2.97% + the fixed margin of 4.9% and inludes a discount of 1% point for having your incomes transfered in Idea::Bank accounts.
Instalments calculation example - fixed interest
For a 5 years Idea::VIP loan of 30,000 lei, with 400 lei loan analysis fee, the fixed interest will be 8.9% (with a monthly installment of 621 lei, APR 10%, total value to be paid 32,278 lei). The fixed interest rate of 8.9% includes a discount of 1% point for having your incomes transfered 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!