Search form

Refinancing 5 years
1. How much would you like to borrow? LEI

2. Over how many months do you want to pay the loan?

3. I want to collect my income into a BRD account

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

0

More loan details

Or leave us data and we'll call you

See due date

Payment methods

Grace period

The interest rate is between 6.45% and 15.54% and is offered to customers according to a number of elements considered in the analysis of the credit application, such as the history of the relationship with the bank, seniority and stability at work, constant income , the existence of a credit history and the way in which the loans held so far have been repaid, etc. For details, apply now and we will contact you with all the information to get the credit.

REFINANCE WITH EXPRESSO RESTART FOR 5 YEARS IN A FEW STEPS

You have two options for refinancing:

100% online ,
the fastest
or fill out this form
and we'll contact you to schedule when you can come to the branch.

Do you want 10 year refinancing? Click HERE

If you prefer 100% online,
here's what you need to know:

01

Make sure you meet these requirements:

- You are a Romanian citizen, you are at least 18 years old, but not more than 76 years old at the end of the loan
- You are already a BRD customer. If you are not a BRD customer, you can apply for a 100% online account package online
- You are an employee or pensioner and you have the income registered with ANAF or collected in a BRD account
- You have been in the current job for at least 12 months without interruption
- You do not have current arrears and you have not recorded significant arrears on other loans in the past.
- You do not already have an application in a BRD unit for a consumer loan.
- You are interested in a loan in your own name (new amount or refinancing), without another co-borrower
- If you need support you can consult the Guide here
Note: 100% online loans have no life insurance

02

Tell us some things about yourself

Have your ID ready to photograph. We will also ask for a selfie

03

Tell us what loan you want

And choose to collect your income in your BRD account in order to benefit from reduced costs

04

Fill in the data necessary for the loan analysis

Sign the ANAF agreement and choose the account in which you want us to transfer your money

05

Choose the offer that suits you

Read the pre-contractual documents and choose the due date

06

Sign de contract

And we transfer the money

Apply 100% online
Or leave us data and we'll call you

WITH EXPRESSO RESTART FOR 5 YEARS, YOU HAVE A LOT OF BENEFITS

Fixed interest rates between 6.45% and 15.54%

Tailored to your financial and personal situation

No proof of income

If you are an employee and have an income registered with ANAF

5 years

Maximum loan period

130.000 lei

Maximum amount funded

Grace period

Up to 6 months to pay the capital, during which time you pay only the interest and life insurance

Life insurance attached to the loan

For which you pay 0.09% monthly applied to the balance (if you opt for the life insurance distributed by BRD, as an agent affiliated to BRD life insurance)

Additional amount

For other projects and passions

You refinance any credit

With 5-year Expresso ReStart, you refinance any loan regardless of the grant date

More benefits

Find out what more the loan offers See more

Apply 100% online
Or leave us data and we'll call you

HERE'S EVERYTHING YOU NEED TO KNOW!

A wide range of income is accepted for the ReStart Express Credit: salaries, pensions, dividends, royalties, rents, up to income from self-employment. You can get a higher amount if you also bring the income of a maximum of 3 co-borrowers.
All checks on your earnings are now fully automated, with no need for proof of income from your employer. This simplified procedure allows us to grant you credit much faster and with a minimum number of documents.

Only if the information retrieved from ANAF is not complete, we reserve the right to request income supporting documents .
You are safe for the entire loan period by taking out a life insurance policy that gives you and your family protection in the event of unforeseen events (unemployment, incapacity for work, total disability or death). The policy is concluded at the time of signing the credit agreement, for the entire loan period.
  • You can refinance any loan regardless of the date it was granted
  • You may also receive additional amounts for refinancing
  • Fixed interest throughout the credit period, between 6.45% and 15.54%, offered according to a series of elements taken into account in the analysis of the credit application, such as the history of the relationship with the bank, seniority and stability at the job, the constant income, the existence of a credit history and the way in which the loans held so far have been repaid, etc.
  • Preferential interest if you collect your salary on account at BRD
  • Credit up to 130,000 Lei, without real estate guarantees, or, if you need a larger amount, adapted to your needs, Expresso NonStop in Lei offers you the financing you need.
  • You can opt for a partial grace period, in which no capital is paid, up to 6 months
You will find the necessary information at Fees and Interest .
If you want to refinance for up to 10 years, click on the "Learn more about BRD Expresso ReStart refinancing for 10 years" button.

Learn more about BRD's 10-year Expresso ReStart refinancing


* The interest rate is between 6.45% and 15.54% and is offered to customers depending on a number of elements considered in the analysis of the credit application, such as the history of the relationship with the bank, seniority and stability at work, constant income, the existence of a credit history and the way in which the loans held so far have been repaid, etc.

Representative example valid on 14.02.2022, calculated for an EXPRESSO personal loan with a refinancing destination, amounting to 35,000 lei, granted for a period of 5 years and repaid in 60 equal monthly installments, with the collection of income in BRD account and contracting a package of products and services: fixed interest of 7.99% / year, APR 9.73%, the value of the first monthly payment amount 741 lei, subsequently decreases as a result of the decrease of the insurance premium, the total amount payable 43,793.66 lei, which includes file analysis fee 200 lei, monthly administration of current account associated with the zero lei loan (cost valid during the holding of a package of products and services) and life insurance: 0.09% per month, charged to the credit balance (if you opt for insurance distributed by BRD, as an affiliated agent of the BRD Life Insurance Insurer). If you give up the package of products and services, the monthly current account administration fee becomes 5 lei.

Before you decide to borrow, consider the features and implications of the loan. Make sure you understand the risks associated with credit agreements, especially with regard to your income fluctuations.

Back2Top