For OTP Bank clients

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What are your advantages?

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Quick receipt of approval - Apply online and within 10 minutes you get your credit approval and your personalized offer;

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If you do not want to complete the request right now, you can always come back to the application to continue it ;

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One branch visit for signing documents and receiving money;

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You receive the credit documentation in advance.

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Without income statement;

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You can borrow any amount between RON 2,000 and 44,000;

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You can refinance your existing credits at a profitable price;

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Reimbursement period: between 6 months and 60 months (5 years);

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0% monthly loan administration fee.


How can you access an ONLINE Personal Loan from OTP Bank?

1. Access the ONLINE Personal Loan application available through the https://www.otpdirekt.ro/credit-de-oriunde/#/landing platform and performs the credit simulation (select the desired amount and the credit period).


2. Enter and validate your mobile phone number;


3. Register in the platform by entering required identification data and ticking agreements;


4. Enter personal information and financial details;


5. Select the offer submitted by the bank;


6. Select the territorial unit where you want to complete the online personal loan application;


7.View the offer on the platform or receive it on e-mail.


See all eligibility criteria here .



In addition, you can refinance any type of loan, regardless of the type of guarantee, including credit cards, with 44,000 RON limit.

The refinancing operation is possible both when the refinancing loan is granted by another bank and other creditors (eg mortgage, CAR, IFN, leasing companies, construction companies, developers). For refinancing, in order to complete the online personal loan application you must go in the selected branch with the documents provided in the credit offer that you receive by e-mail .


Eligibility criteria

The eligibility criteria for online personal loan are:

  • Age is between 23 and 65 years oldand maximum 65 years old on the date of the full reimbursement of ONLINE Personal Loan;
  • You are resident in Romania;
  • You are not an OTP Bank’s Romania customer;
  • you have at least 12 months total professional experience;
  • You have at least 6 months work experience at the current employer.

The co-debtor is not accepted.


Eligible income

Salary and Food vouchers



The minimum income is 1.500 RON.

If you get income from multiple employers, you can cumulate income as long as at least one of the income is the equivalent of the minimum wage on the economy.

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Do you want more

Read the information from the downloadable .pdf documents or contact us and we will answer all your questions.

Interest Credit taxex and fees



See below a calculation example for the ONLINE OTP Personal Loan.


In case of ONLINE Personal Loan of RON 10.000, for 5 years, the interest rate is 7.90% (variable interest rate), DAE 8.19%, the monthly installment is RON 202 (repayment method through equal monthly installments), the total cost of the loan is RON 2.137 the paid amount RON 12.137.