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A personal loan, the shortest way from desire to reality.


Comfort and security to pay monthly installments payment through fixed interest rates over the entire lending period.


You benefit from cumulative interest rate discounts of up to 30% of your interest margin and a special annual fidelity discount if you receive your monthly income in an account opened with First Bank.


Give wings to your dreams right now. Confident, is a credit created for personal needs, including refunding of consumer loan/s or collateral loans, without the need for supporting documents on how the money is to be used.


Whether you want fixed or variable interest, consult below all the cost information.

“The circulation of confidence is better than the circulation of money” - James Madison

The cumulatively applied interest rate discounts shall generate the final interest you shall benefit from, and they shall be granted as follows:

• minus 1% in the case of receiving the monthly income, taken into account when granting the loan, in the account opened with First Bank;

• minus 1% in the case of the option to purchase the dedicated insurance product

• minus 0.5% in the case of refunding a loan facility granted by another bank.

Find out the full costs of the product and a calculation example, below.


Loan Simulator

We help you to calculate your loan installments

Loan Simulator

Simulate the monthly rate and interest, as an indicative example for the Confident Loan

Loan Value
3000 lei 141000 lei
Loan Period

You have an interest rate discount if you opt for:

Monthly rate, lei 400
Interest rate %
Monthly rate, lei
Interest rate %

*The presented information is purely indicative and has no contractual value.

Join a video call with one of our representatives and learn more!

If you still have questions, look for answers below
If your monthly income is recorded in the NAFA database, you only need your / your co-payer’s Identification Document, if applicable).
The maximum age for the loan, at the end of the lending period, must be 65 years.
Yes. You can bring in maximum one co-payer (your spouse or partner with whom you live and share your household activities, a parent / brother / sister, a son / daughter).
At least RON 1,200 / month individually or RON 1,800 / month together with your spouse or partner.
Visit any First Bank agency or visit our webpage at and we shall provide you with a loan offer that also includes alternatives solutions, and you have 15 days to decide on the best option.
Any type of loan granted by a bank and / or non-banking financial institution in Romania.
Yes. You can reimburse any amount, free of charge. In the case of fixed interest loans, an early repayment fee shall be charged, depending on the time remaining until the end of the loan.
Yes. After an early repayment, you can opt for a proportional reduction in your monthly payment or in your remaining reimbursement period (or a combination of these two).
Yes. You can always request, free of charge, to change the due date for your loan.
Yes. Immediately after making the money transfer to extinguish the loan in question, if this transfer was made through a “Conditional Payment Order”.
Costs 0 (zero). These money transfers are exempt from any fees and charges (both in the case of the Simple Payment Order and the “Conditional Payment Order”).
Yes. Income from royalties is accepted alongside with income from salary, pensions, mandate contracts, self-employment, management contracts or agency contracts, rents, life annuity income.
Yes. Although the loan is made in RON, the amount required to extinguish the loan from another bank may be transferred in EUR in your current account, by means of a foreign exchange transaction (at the bank’s exchange rate).
In this case, you shall lose the interest rate originally granted.
If you earn salary income, the insured risks are: involuntary loss of the workplace and death from any cause. For the remainder of the cases: death from any cause and total permanent invalidity from any cause.
In addition to the benefits provided by the protection items, you can also benefit from a 1% interest rate discount on your interest rate. Additional discounts can be added to this discount if you decide to receive your monthly income (1%) or to refund your loan from another bank (0.5%).

You have several payment methods available:

  • Cash deposits at any First Bank branch
  • Transfers from another bank to the current account opened at First Bank
  • Cash deposits through the QIWI terminal network  

Choose the nearest QIWI terminal here.

You can deposit cash without commissions.

For more information click here.

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