Bucharest, October 5, 2026 – Exim Banca Romaneasca is launching a promotional offer that combines a personal loan with a reduced fixed interest rate starting from 5.5% per year and a Smart Credit Card, which enables purchases in up to 24 interest-free installments targeted for customers seeking greater financial flexibility during the shopping season. .
Customers looking to take advantage of Black Friday deals will benefit from the the package including a personal loan of up to RON 250,000 (without life insurance) or RON 110,000 (with life insurance), with no need to justify the use of funds and zero administration fees.
The loan can be reimbursed over a period of up to five years and is available through a simple application process based on a valid ID and the customer’s consent for income verification through the Romanian tax authority (ANAF).
Customers may also use the loan to refinance existing loans under more favorable conditions.
The offer is available until 15 November 2026 and also includes additional benefits for customers who choose to receive their salary through Exim Banca Romaneasca, refinance an existing loan, and purchase life and unemployment insurance coverage. The fixed interest rate is personalized according to each applicant’s profile and may range between 5.50% and 17.00% per year, depending on the financing characteristics.
As an example, for a RON 50,000 loan granted for a period of five years, with salary payments routed through an Exim Banca Romaneasca account and including life and unemployment insurance, at a fixed interest rate of 5.5% per year, the monthly installment is RON 955.06, while the APR (Annual Percentage Rate) is 8.16%.
For a personalized offer, customers are encouraged to contact an Exim Banca Romaneasca representative.
The Smart Credit Card, available in Mastercard Standard and Mastercard Gold versions, complements the package with a range of benefits designed for everyday shopping:
- 0% interest Smart Installments for purchases of at least RON 200 made at merchants in Romania and abroad (excluding money transfers, money sending transactions, top-ups, and cryptocurrency merchants);
- The option to spread purchases over up to 24 interest-free installments (3, 6, or 12 installments with no interest and no activation fee; 24 installments with no interest and an activation fee);
- A grace period of up to 61 days for purchases made at merchants;
- Complimentary purchase protection insurance for both online and in-store transactions.
Exim Banca Romaneasca is a 100% Romanian universal bank and ranks among the top 10 largest lending institutions in Romania by assets. Exim Banca Romaneasca recently received its first rating from Fitch Ratings, confirming the financial strength and stability ofits operations..
