Need a hand?

Revolut offers unsecured personal loans between the values of RON 2,000 to RON 200,000. You can apply for and manage your loan through your Revolut app.

Loan conditions, including interest rates, will depend on your individual circumstances and risk profile. You need to submit an application in-app to get a loan offer. You'll be able to review the final offer before accepting the loan.

• You have a Romanian ID
• You're a Romanian citizen
• You're at least 18 years old
• You have a local mobile phone number linked to your Revolut account
• You have a regular, sustainable, and verifiable income registered with ANAF. If you've registered your account in Romania but you're working abroad, your income may not be recorded in the ANAF database. For details on which types of income are eligible, refer to this FAQ
• You have a clean credit history and no history of missed repayments
• You have no negative balances in your Revolut account and no overdue commitments to third parties
• You're a customer of Revolut Bank UAB Vilnius Sucursala Bucuresti

• Go to 'Home' on the bottom menu
• Below your balance, tap 'Accounts'
• Tap 'Add new'
• Select Credit, and then 'Personal loan'
• Fill out the short application

Typically, application outcomes are automated, but sometimes additional manual checks are required. In this case, our manual underwriters will reach out via the in-app chat. If we need additional documents, you'll be able to submit them in-app. You should get a decision within 1–2 business days.

Credit checks are communicated to Credit Bureau. We’ll request your consent to do so. If your loan application is rejected, or if you don’t accept the offer, your credit score won’t be negatively impacted. If you accept the loan offer, your credit score will be impacted.

If your loan is approved, your offer may be different to what you applied for. You'll be able to review the terms and accept, reject, or edit the offer. You need to finalise the process by:

• Viewing the offer
• Editing the offer (if needed)
• Reading the pre-contractual documentation
• Accepting the offer via e-signature
• The disbursement will be available in your Revolut account immediately

While reviewing your application, we consider your existing debts, expenses, and income. If we determine that the amount and term you initially asked for may lead to financial difficulties, we'll adjust the offer accordingly. Our decision is final and can't be changed by our Customer Support agents.