In-store Credit

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This product is offered by TBI Money IFN S.A. part of TBI Bank Group

When you find the product you desired and don’t want to wait a second longer, the Product Loan is there to help you get it immediately!
Now you want something, the next thing something else... you think about buying something nice for your children or your parents, but also the renovation of your house can not wait any longer. You don't have to choose, be bold and buy goods in installments.

Why In-store Credit?

Fast approval
Minimum documentation required

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

The analysis fee is not charged in advanced and it does not affect the amount received by the client (it is included in the installments)

More than 1000 partner shops
Any products from any merchant can be financed if the client brings a proforma invoice for it

The maximum value of the credit that can be granted is the equivalent in RON of EUR 5.000.

See here all the repayment methods

Tenor up to

maximum 60 months

Financing conditions and necessary documents

Financing conditions:

Seniority at current job: 3 months uninterrupted (depending on client's creditworthiness)
Applicants' age: from 18 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: 1100 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, TBI Money reserves the right to request other documents than those specified above.

Representative example: For a loan granted for goods acquisition amounting to RON 3.500, repaid in 24 months, the annual interest rate is 34,8% (fixed for the entire duration of the contract), the analysis fee of the file (financed by the creditor) is RON 170, the monthly rate is RON 214,38, the total amount payable is RON 5.145,03 and the annual effective interest (DAE) is 48,38%.

Frequently asked questions and answers