For all your plans
Do you want to pay in installments, from the comfort of your home? Smart Online Credit by BT Direct offers you financing directly on the partner merchants' websites, simple and fast, through the Direct card.
You can apply online directly on the partner stores' websites, simple and fast, and in just 10 minutes you also receive the approval.
In addition, you have zero analysis commission.
A new financial beginning, at your own pace. No analysis fee, no down payment, and no additional guarantees.
Fixed rates for the entire loan period, between 6 and 60 months, so you can enjoy stability and control over your budget.
You can apply for funding of up to 60,000 lei, with a fixed interest rate throughout the loan period, starting from 19.9%.
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
Yes, you can refinance any loan or credit card you hold, through Direct Card or 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.
