CASH Zero Loan

Enjoy financial freedom with a smart choice!

The hesitations do not make sense when it comes to the new CASH Zero Loan from TBI. You have 4 months grace period with 0% APR to repay the loan quickly, without additional costs, for free.

This loan is for you if you want to get credit for a short period of time (maximum 48 months). It is for you if you didn’t access a TBI loan before and if you want a smaller amount of money to repay quickly.

Apply to CASH Zero Loan:

CASH Zero Calculator RO*

Interest rate

*This simulation is an example of calculation for a Personal needs loan without insurance, with a grace period, with an interest rate of 41%. We mention that the interest rate is customized according to your credit profile and repayment history, following the credit application analysis according to the internal policy and legal regulations in force, based on the documentation provided and the appropriate interest rate according to your profile. In order to get a customized calculation, we invite you to our working points.

Representative example: For a Personal Loan with a grace period, without Insurance with the value 2.500 Lei, and totally repaid in the grace period (first 4 monthly installments), the annual interest rate is 0%, analysis fee is 0 Lei, early repayment compensation is 0% and the total payable amount is 2.500 Lei. After the expiration of the grace period (first 4 monthly installments), for repayment in 48 monthly installments according to the repayment graph (which include the 4 monthly installments related to grace period), the analysis fee is 0 Lei, the fixed annual interest rate is 41%, the monthly rate is 94,01 Lei, DAE is 38,1% and the total payable amount is 4.512,32 Lei.


Grace period: first 4 monthly installments

The maximum value of the loan: 10000 Lei

Tenor between 12 months and 48 months

Fast approval 
Minimum documentation required 
No need to prove to us how you use the money

You receive the money in your personal account opened at any Bank in Romania

Disability retired persons can access a financing solution.
Applicant's maximum age at the end of the credit agreement - 75 years.


You benefit from ZERO costs if you repay the whole debt within 4 months.
If you can't manage to repay in the first 4 months, it's no problem, you will repay the loan in equal installments according to the period initially chosen, up to 48 months.

Financing conditions and necessary documents

Financing conditions:

  • Seniority at current job: 3 months uninterrupted (depending on client's creditworthiness)
  • Applicants' age: from 24 years (depending on the client's creditworthiness) up to 75 years (maximum applicant's age at the end of the credit agreement)
  • Minimum monthly income accepted: 1250 lei
  • Minimum accepted pension: 800 lei

Necessary documents*:

  • Copy of the ID
  • ANAF approval/ last pension coupon in original
  • Personal loan application
  • Agreement to process personal data

*In special circumstances, TBIBank reserves the right to request other documents than those specified above.

For more informations please call us

TBI Loan with Metropolitan Life insurance

Choose TBI loan with insurance included for your protection and your family one. The loan helps you achieve certain important goals, and life insurance protects you in the face of unforeseen events.
With Metropolitan Life insurance attached to your loan, you have coverage for events that can affect your financial security.


See all insurance details

Discover more



Where there are two the power increases!

The TBIDUO loan is specially designed for those who want to obtain a larger amount of money. The condition is to bring a co-debtor, who can be a relative, a friend, a trusted person.

Learn more


Customer Service
T: 021 529 86 00

Working hours
Monday - Friday
| 08:00 - 17:00

Saturday - Sunday
| Closed

For Online Deposits use the contact email:


Head office TBI Bank

Bucharest, Romania,
8-12, Putul lui Zamfir St., 4th floor

Repay your loan safely and for free
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