BCR review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BCR suits Romanian borrowers who want a fixed rate personal loan, a debt consolidation option or a home purchase deal from the same bank. Personal loan pricing runs at 8.59% to 18.91%, funding lands on the spot and the analysis fee comes with a free loan administration fee.

Key facts

Best for
Fixed rate personal lending and consolidation funded on the spot, with a home purchase range alongside.
APR
8.59% to 18.91% (Source, checked September 26, 2026)
Loan amount
up to RON 250,000 (Source, checked September 26, 2026)
Term
up to 60 months (Source, checked September 26, 2026)
Arrangement fee
200 RON analysis fee; 0 RON loan administration fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
On the spot, up to 250,000 RON, applied 100% online (Source, checked September 26, 2026)
Representative example
Personal loan, 5 years, 30,000 RON, 200 RON analysis fee and 0 RON administration fee, fixed rate 6.29% to 14.99%, 626 to 714 RON per month, DAE 9.94% to 16.41% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age 18 to 63 for women and up to 65 for men at loan end, up to 75 if retired; income from salary, pension or mandate contracts; no current arrears (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Banca Comerciala Romana S.A. (Source, checked September 26, 2026)
Headquarters
Romania (Source, checked September 26, 2026)
Founded
1990 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
bcr.ro

Mortgages

Initial rate
4.99% (Source, checked September 26, 2026)
APRC
7.64% (Source, checked September 26, 2026)
Fixed period
3 years (Source, checked September 26, 2026)
Maximum loan to value
85% (Source, checked September 26, 2026)
Product fee
RON 900 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Banca Comerciala Romana S.A. (Source, checked September 26, 2026)
Headquarters
Romania (Source, checked September 26, 2026)
Founded
1990 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInXapps.apple.com

Pros and cons

Pros

  • Fixed rate on the personal loan and consolidation ranges, so payments are set at the start (fixed).
  • Funding on the spot, with the application run fully online (On the spot, up to 250,000 RON, applied 100% online).
  • The personal loan carries an analysis fee with a free loan administration fee (200 RON analysis fee; 0 RON loan administration fee).
  • A Romanian bank under Banca Nationala a Romaniei (RB-PJR-40-008/1999), with support on email, chat and phone.

Cons

  • The application carries a hard credit check, with no soft prequalification step (hard).
  • Borrowing costs start with the analysis fee on the personal loan (200 RON analysis fee; 0 RON loan administration fee), which a small balance repays slowly.
  • Personal loan terms run to up to 60 only, so a longer repayment has to come from the home range, where the fixed period is 3.
BCR

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Scored 9.4 / 10 by BorrowCue.

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Who it suits

  • Applicants with income from a salary, pension or mandate contract and no current arrears, who can show it on paper.
  • Borrowers who want a personal loan and a home purchase handled by the same lender, since the home range covers purchase and remortgage.
  • People who want the rate locked, as the personal loan is listed as a fixed rate and the rate type is fixed.

Who should look elsewhere

  • Borrowers outside Romania: BCR lends from a base in Romania, while Monzo Flex quotes 10% to 23% in the UK.
  • Shoppers after the lowest headline cost: Cashspace lists PHP 12 to PHP 36 in the Philippines, a different market and currency to BCR's lending in Romania.

How BCR compares

Where BCR is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (National Bank of Romania) (RB-PJR-40-008/1999), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a BCR personal loan?+

BCR's personal loan runs at 8.59% to 18.91% and the rate is fixed (fixed), so repayments do not shift with the market. It is a direct lender rather than a broker, so the contract, the credit file and the repayments all sit with the bank.

What fees are charged on a BCR loan?+

On the personal loan and consolidation ranges the costs are 200 RON analysis fee; 0 RON loan administration fee, an analysis fee with a free loan administration fee. The home purchase range carries a separate product fee of RON 900, which sits on top of that mortgage.

How much can I borrow from BCR and for how long?+

The personal loan tops out at up to RON 250,000 with terms running to up to 60. Home improvement is one of the listed uses (home improvement), and the same range handles debt consolidation. Anything larger points towards the home purchase and remortgage products.

How quickly does BCR send the money?+

Funding is On the spot, up to 250,000 RON, applied 100% online, and same day funding is listed as a feature on the personal loan (same day funding). The application runs online, so the pace is set by how complete the paperwork is rather than by a branch appointment.

What credit check does BCR run?+

BCR runs a hard credit check (hard), so a decision comes from a full file search rather than a soft prequalification. Applicants also need income from a salary, pension or mandate contract, with no current arrears, and the bank is based in Romania.

Can I repay a BCR loan early without a charge?+

Free early repayment is listed on the personal loan, so settling a fixed rate loan (fixed) ahead of schedule carries no extra charge. The same personal loan is offered for debt consolidation, as part of the personal and debt consolidation ranges, so a consolidation loan can also be cleared early.

Is BCR regulated and how do I reach it?+

BCR is Banca Comerciala Romana S.A. (Banca Comerciala Romana S.A.), supervised in Romania by Banca Nationala a Romaniei, the National Bank of Romania (RB-PJR-40-008/1999). Help runs on email, chat and phone, so phone, chat, email and the help centre are all open.

What does the BCR home loan cost?+

The home purchase and remortgage range (purchase and remortgage) opens on an initial rate of 4.99%, with an APRC of 7.64% and a fixed period of 3 before the rate moves. Lending runs to a maximum loan to value of 85%, under the site median of 90%.

Sources

  • en.wikipedia.org/wiki/Banca_Comerciala_Romana checked September 26, 2026

    Backs: Founded

    “Founded December 1, 1990”

  • bcr.ro/ro/contact checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels, Licences

    “Sediu central: Soseaua Orhideelor nr. 15D, Cladirea The Bridge 1, etajul 2, Sector 6, Bucuresti”

  • bcr.ro/ro/persoane-fizice/credite/credit-george checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term, Use cases

    “Accesezi pana la 250.000 lei”

  • bcr.ro/ro/persoane-fizice/credite/credite-pentru-casa/cas... checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Product fee, Purpose

    “Casa Mea, fixed 4.99%/year in the first 3 years, client with income over 10,000 lei and Max/Max Invest level: DAE = 7.64%”

  • bcr.ro/ro/persoane-fizice/credite/credite-pentru-casa/cas... checked September 26, 2026

    Backs: Maximum loan to value

    “Creditul Casa Mea Natura: the maximum amount you can obtain is up to 85% of the investment value (not more than RON 5,100,000), over a maximum term of 30 years”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

BCR

BCR

Fixed rate personal lending and consolidation funded on the spot, with a home purchase range alongside.

9.4/10See alternatives

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