BRD.ro | Expresso Restart 5 years

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1. How much would you like to borrow? LEI

2000

130000

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

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

4. Payment methods

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

See due date

If you refinance a loan from another bank and you collect your income in a BRD account, the interest rate is 9.45%. It does not apply to the refinancing of loans granted by BRD or to the refinancing of loans granted by BRD together with loans from other banks. For details, apply now and we will contact you with all the information to obtain the loan.

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:

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. You can open your account 100% online or we are waiting for you in any BRD agency
- You are an employee or pensioner and you have the income registered with ANAF or collected in a BRD account
- In the case of income from wages, you have an uninterrupted seniority at the current job of at least 6 months. If the income is not registered in the ANAF database, for recurring salary income received from the same employer in a BRD account opened in your name, there must be receipts in each month of the previous year
- 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

Tell us some things about yourself

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

Tell us what loan you want

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

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

Choose the offer that suits you

Read the pre-contractual documents and choose the due date

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

Fixed interest rate of 9.45% if you refinance a loan from another bank and you collect your income in a BRD account

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!

What income do you need to get the loan?

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.

No proof of income

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 .

How can you stay calm for the duration of your loan?

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.

What does the ReStart Express Credit offer you?

You can refinance any loan regardless of the date it was granted
You may also receive additional amounts for refinancing
If you refinance a loan from another bank and you collect your income in a BRD account, you benefit from a fixed interest rate of 9.45% throughout the loan period
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

How much does it cost me?

You will find the necessary information at Fees and Interest .

You have several refinancing options available

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

Campaign rules "Credit Card and Expresso Loan"

* If you refinance a loan from another bank and you collect your income in a BRD account, the interest rate is 9.45%. It does not apply to the refinancing of loans granted by BRD or to the refinancing of loans granted by BRD together with loans from other banks. For details, apply now and we will contact you with all the information to obtain the loan.

Representative example valid on 24.02.2023, calculated for an EXPRESSO personal loan with the purpose of refinancing a loan from another bank, in the amount of 35,000 lei, granted over a period of 5 years and repaid in 60 equal monthly installments, with the collection the income in the BRD account and contracting a package of products and services: fixed interest of 9.45%/year, APR 11.33%, the value of the first monthly payment amount 765.72 lei, subsequently decreases as a result of the reduction of the insurance premium, the total amount payable 45,287.22 lei, which includes the file analysis fee 200 lei, monthly administration of the current account associated with the zero lei credit (cost valid during the period of ownership of a package of products and services) and life insurance: 0.09% per month, charged to the credit balance (if you opt for the insurance distributed by BRD, as an affiliated agent of BRD Life Insurance Insurer). If you cancel the package of products and services, the monthly current account administration fee becomes 6 lei. You can find details on product and service packages at brd.ro/carduri si conturi/current account packages.

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.

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REFINANCE WITH EXPRESSO RESTART FOR 5 YEARS IN A FEW STEPS

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

HERE'S EVERYTHING YOU NEED TO KNOW!

HERE'S EVERYTHING YOU NEED TO KNOW!