Auto Credit | BT Direct Financing
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    AI Search from Întreb BT answers all your questions about banking.

    HELLO BT DIRECT

    You can know anytime everything you want about your Direct card, following the steps from Self Service ALO BT DIRECT 021 308 4000.

    For all your plans

    Your journey begins with the right choice

    Have you found the right model for your needs? We provide you immediately with the financing solution in installments for it, through the Direct card.

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    BT Direct

    Apply for a partnership with BT Direct

    Complete your details and a BT Direct representative will contact you as soon as possible.

    Fast, on-site granting

    Instant financing at the BT Direct installment office from partner stores, exactly when you need it.

    Zero commission for analysis

    A new financial beginning, at your own pace. No analysis fee, no down payment, and no additional guarantees.

    Funding of up to 60,000 lei

    You can apply for funding of up to 60,000 lei for all your favorite products.

    What follows after approval

    You leave with the desired auto-moto product, and within a maximum of 5 working days you receive the Direct card at home. You can activate it and as you repay the installments, you can later use it for shopping.

    Granting conditions & necessary documents

    • Permanent income, minimum 1,000 lei

    • Maximum 75 years at the end of the loan period

    • Salaries, pensions or other types of stable income for at least 3 months

    BT

    Representative example

    The value of the product
    20,000 lei
    Loan duration
    24 payments
    Annual interest
    24,9%
    Monthly rate
    1074,43
    Effective Annual Interest Rate (DAE)
    29,31%
    Monthly administration fee
    8 lei
    Total cost of the loan
    25,836.25 lei

    Costs

    Analysis commission
    0 lei
    Issuance fee
    50 lei
    Monthly administration fee
    8 lei

    Necessary documents

    • Identity document

    • The income inquiry agreement at ANAF. If the income is not available in the ANAF database: income certificate (download here) or the last pension voucher.

    Frequently asked questions

    The card is sent inactive for security reasonsță, but în 3 pași simpli, l-ai și activated. 

    Step 1: ensureă-te că you have the card at îndemână, ca să we can identify you.  

    Step 2: sună at 021 308 4000 

    Step 3: our robot will guide you step by step. You just need to săyou selectțthe action “activate card”.

    Done, good luck with the buyărături! 💳🤩

    Yes, you can refinance any loan or credit card you hold, through Direct Cardor through credit, provided that supporting documents are presented.

    Through the program of Rate Anywhere, you can convert into installments (from 3 to 36), any purchase over 500 lei. At the time of full payment that exceeds this amount, we will send you an SMS informing you that you can convert the paid amount into 3 Rates without Interest or in 4–36 Easy Installments, with only 1.25% interest per month.

    You have 3 days from receiving the SMS to decide if you want to convert the transaction into installments and to respond to the received SMS. In the next statement, you will see the cancellation of the transaction with full payment and the first installment of the purchase made.

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    AI Search is a pilot project - in beta version - that uses GPT-5 technology to simplify the process of searching and understanding banking products.

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