Personal Needs Loan Online - OTP Bank

Personal Needs Loan Online with the LeZero package

Happiness is around the corner. The dream you keep postponing can now come true. Apply for a personal loan ONLINE and receive approval in just 30 minutes. 100% online, without going to the bank! 

The online personal needs loan from OTP Bank has everything you need:

Fix interest rate starting from

7,99% to 11,99%*

Creditable loan amount

1.000 – 66.000 lei

LeZero package included (Current account and Mastercard debit card in lei, Internet & Mobile Banking)


*The interest rate presented has a discount of 1 percentage point compared to the standard interest rate, in case the income is received in your account from OTP Bank. The interest rate is determined at the granting moment of the loan based on your financial profile and will remain fix on the entire period of the loan.

Characteristics and benefits

  • The loan amount that can be borrowed is between 1.000 and 66.000 lei.

  • The reimbursement period of the loan is between 6 and 60 months.

  • You can take the loan in maximum 30 minuts in case your income is in the NAFA (National Agency for Fiscal Administration) data base.

  • The LeZero package is FREE (Current account and Mastercard debit card in lei, Internet & Mobile Banking) if you collect 1,200 lei per month in the OTP Bank account and make at least one payment per month with the Mastercard debit card, with the telephone or through Internet Banking.If you do not meet these conditions, you receive all the benefits of the package for only 12 lei per month.

Which are the costs for online personal needs loan without mortgage?

Fix interest rate

Interest rate: is between 7,99% and 11,99% yearly, in case you choose to have the income received in your account from OTP Bank.
The interest rate is determined at the granting moment of the loan based on your financial profile and will remain FIX on the entire period of the loan, as long as you are receiving the income in OTP. It will be higher with 1 percentage point when you choose not to receive the income in your OTP account. You can check the detailed list of interest rates here.

Commissions

  • 0 lei analysis commission.
  • 0 lei commission for opening and administration of the current account.
  • 0% monthly administration commission for the loan.
  • For loans with fix interest rate, the anticipated repayment commission is 0,5% from the outstanding of the loan when the remaining loan period is less than 1 year, or 1% from the outstanding of the loan when the remaining loan period is higher than 1 year.

Taxes perceived by third parties

Tax perceived by National Registry of Movable Advertising for movable guarantees registration.

How can you access the Online Personal Needs Loan?

Conditions to apply

  • You are not and have not been an OTP Bank customer
  • Your age is over 23 years old at the time of application, but up to 65 years old on the date of the final maturity of the loan;
  • You are a Romanian citizen resident in Romania
  • You are the real beneficiary of the funds
  • You are not a publicly exposed person
  • You are not part of a category of persons affiliated to the bank / clients in contact with other clients of the bank
  • You have no litigation and you are not an employee / relative of an OTP Bank employee.
  • You will not make transactions with virtual currencies (Bitcoin, Ethereum, etc.)
  • You must be over 23 years old at the time of application, but up to 65 years old on the date of the final maturity of the loan;
  • Romanian citizens domiciled in Romania;
  • You have a seniority as an employee of:
    - Minimum 3 months at the current employer and in the last 12 months total uninterrupted experience or
    - Minimum 6 months experience with the current employer

You will need

  • Identity card issued by the Romanian state
  • Access to your email address
  • Your mobile phone number
  • Computer, tablet or mobile phone equipped with a video camera
  • Stable internet connection
  • One of the recommended browsers​​​​

Cum poți aplica pentru credit?

Cere detalii

Solicită Call Back
și te vom suna noi în cel mai scurt timp.

I agree with the processing of personal data for marketing and profiling by the Bank
I agree with the processing of personal data for the purposes of marketing and profiling by third party partners of the Bank

Vino la noi

Vino în sucursala OTP Bank
cu actul de identitate în original.

Caută sucursala

Calculează-ți rata lunară

lei
1000 100000
months
6 60

Kalkuláció eredménye

With interest rate from 7,99% up to 12,99%
Annual effective interest rate (DAE) from 8,29% up to 13,79%
Monthly installment from: 171 lei
I want a loan

Dobânda prezentată conține reducerea de 1 punct procentual pentru virarea venitului.

Detalii poliță de asigurare de viață și șomaj

Pentru un viitor mai sigur și stabilitate financiară, OTP Bank îți oferă posibilitatea să atașezi Creditului de Nevoi Personale o poliță de Asigurare de Viață și șomaj (PPI), in urmatoarele variante:

  • Asigurarea de Viață și Șomaj (PPI) cu primă unică: 0,07% pe lună * nr. de luni pe care este acordat creditul; se aplică la valoarea creditului acordat.
  • Asigurarea de Viață și Șomaj (PPI) cu primă lunară: 0.10% pe lună; se aplică la valoarea creditului acordat.

Valabilitatea poliței începe din momentul în care ți se acordă creditul, respectiv de la semnarea contractului de credit și a certificatului de asigurare, și se încheie la maturitatea finală a creditului.

Prima de asigurare unică se achită integral de către client, la momentul retragerii creditului.
Prima de asigurare lunară se achită lunar, impreună cu rata la credit.

Riscurile acoperite prin asigurare sunt diferite, în funcție de categoria socio-profesională din care face parte clientul (Salariați, Liber Profesioniști sau Pensionari): 

Riscuri

Care sunt veniturile acceptate pentru Creditul de nevoi personale?

Pentru a obține Creditul de Nevoi Personale, OTP Bank acceptă o gamă largă de venituri:

  • Venituri din salariu;
  • Soldă lunară, indemnizații, sporuri, normă de hrană și alte drepturi cu caracter de continuitate;
  • Venituri din contracte de management;
  • Venituri din drepturi de autor sau drepturi intelectuale;
  • Venituri din indemnizații de conducere sau de cenzor;
  • Venituri din pensii din România / în străinătate;
  • Venituri comerciale (ex: prestări servicii, etc. altele decât profesiile libere);
  • Venituri din profesii liberale.
  • Indemnizațiile de creștere de copil;
  • Tichete de masă;
  • Salariul obținut de cetățeni români în străinătate;
  • Venituri ale navigatorilor obținute în baza contractelor de navigare;
  • Venituri din contracte de administrare;
  • Venituri din comisioane încasate suplimentar față de salarii.

*Veniturile secundare se pot lua în considerare doar în completarea unui venit principal.

 

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Documente necesare

  • Act identitate (original);
  • Acord de consultare a veniturilor din baza de date ANAF* și/sau Adeverinţă de venit; 
  • Cerere de credit (original, formular tipizat al băncii), care include:
    -  Declarația privind obligațiile de plată, litigiile cu terții și relațiile de grup;
    -  Acordul de consultare al CRB
    -  Acordul de consultare al Biroului de Credit;
  • documente justificative privind creditul ce urmează a se refinanța (dacă este cazul).

* în cazul clienţilor pentru care nu se face raportarea veniturilor la ANAF este necesară prezentarea de documente suplimentare (de ex. angajaţi MAI, MApN, SRI, Jandarmerie etc.).

Frequently Asked Questions

For Loan approval, your minimum net monthly salary must be 1,386 lei. If you earn income from multiple employers, it is acceptable to cumulate them as long as at least one of the earnings is the equivalent of the national minimum wage.

The steps for contracting an online loan are:

  1. Online identification
    Prepare your ID card. You will need to take a picture and take a selfie.
     
  2. Financial information
    Complete your studies, your occupation, your employer's name, your income and other financial information.
     
  3. Confirmation of identity
    Enter a video call with an application validation specialist.
    Schedule: Monday - Friday, 9 A.M. - 6 P.M.
     
  4. Offer confirmation
    Confirm the credit offer, LeZero package and card delivery address.
     
  5. Receiving money
    You sign electronically and receive the money in your account.
  • OTP will register movable mortgage on our banking accounts.

Labour interruptions are the time period when you have not had a professional activity. The following are not considered to be interruptions: maternity leave, sick leave, military service, study leave, temporary working disability leave.

You can choose and change afterwards the due date as you wish. During your online application you establish the day when you like to have the repayment of the installment.

To repay your Loan installments, you can either go to OTP Bank branches or make transfers to your current account (where the required amount will be withdrawn at due date).