Compare Car Finance in Romania

Compare auto loans and hire purchase in RO.

20 live car finance offers tracked across 8 Romania providers. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

20 live offers compared from 8 providers. Updated daily.

Raiffeisen Romania Auto Loan Raiffeisen Bank Romania

RON 0

  • Min Rate: 10% min
  • Max Term: 12–84 months
  • Max Financing: Up to 500000 RON

ING Romania Auto Loan ING Romania

RON 0

  • Min Rate: 10% min
  • Max Term: 12–84 months
  • Max Financing: Up to 500000 RON

ING Romania Hire Purchase ING Romania

RON 0

  • Min Rate: 10% min
  • Max Term: 12–84 months
  • Max Financing: Up to 500000 RON

ING Romania Leasing ING Romania

RON 0

  • Min Rate: 10% min
  • Max Term: 12–84 months
  • Max Financing: Up to 500000 RON

Raiffeisen Romania Hire Purchase Raiffeisen Bank Romania

RON 0

  • Min Rate: 10% min
  • Max Term: 12–84 months
  • Max Financing: Up to 500000 RON

Raiffeisen Romania Leasing Raiffeisen Bank Romania

RON 0

  • Min Rate: 10% min
  • Max Term: 12–84 months
  • Max Financing: Up to 500000 RON

Banca Transilvania Hybrid Car Loan Banca Transilvania

RON 0

  • Min Rate: 6.9% APR
  • Max Term: 84 months
  • Max Financing: RON 200,000

ING Romania Commercial Vehicle Loan ING Romania

RON 0

  • Min Rate: 6.9% APR
  • Max Term: 84 months
  • Max Financing: RON 200,000

Raiffeisen Romania Van Finance Raiffeisen Bank Romania

RON 0

  • Min Rate: 6.9% APR
  • Max Term: 84 months
  • Max Financing: RON 200,000

CEC Bank Fleet Finance CEC Bank

RON 0

  • Min Rate: 6.9% APR
  • Max Term: 84 months
  • Max Financing: RON 200,000

Garanti BBVA EV Hire Purchase Garanti BBVA Romania

RON 0

  • Min Rate: 6.9% APR
  • Max Term: 84 months
  • Max Financing: RON 200,000

UniCredit Romania Classic Car Loan UniCredit Romania

RON 0

  • Min Rate: 6.9% APR
  • Max Term: 84 months
  • Max Financing: RON 200,000

What is car finance in Romania?

Car finance (credit auto) is borrowing used specifically to buy a vehicle, repaid in monthly instalments. In Romania it takes several forms: a dedicated auto loan from a bank, a general personal loan used for a car, or leasing (operational or financial) where you use the vehicle for a fixed term. Some deals are secured against the car, and financing new cars is often supported by manufacturer or dealer partnerships.

How the Romanian market works

Auto lending is provided by banks and specialised finance and leasing companies, with banks supervised by Banca Naţională a României (BNR) and non-bank lenders registered with BNR. Loans can be secured (with the car as collateral) or unsecured, in lei with fixed instalments. Leasing is popular for both companies and individuals, spreading cost and often bundling insurance and maintenance. BNR's 40% debt-to-income cap applies to consumer auto loans.

Benefits

Drive sooner — spread the cost of a car over several years instead of paying the full price upfront.

Fixed instalments — predictable monthly payments in lei make budgeting straightforward.

Leasing options — financial or operational leasing can bundle insurance and maintenance, useful for businesses.

Dealer deals — manufacturer-backed finance sometimes offers subsidised rates on new cars.

New or used — financing is available for both new and second-hand vehicles, though terms differ by age and value.

How to choose

Compare the DAE (annual percentage rate including fees) across a dedicated auto loan, a personal loan and leasing, since the cheapest route depends on the car, the term and whether the loan is secured. Check the down payment, whether the car is used as collateral, mandatory CASCO insurance requirements, and early-repayment terms. For businesses, weigh the tax and cash-flow benefits of leasing against outright financing. Match the term to how long you will keep the car.

Leading providers in Romania

BCR (Banca Comercială Română), Banca Transilvania, BRD – Groupe Société Générale, Raiffeisen Bank Romania, ING Romania, CEC Bank, Garanti BBVA Romania and UniCredit Romania all provide car finance, and several have leasing arms or dealer partnerships. BCR and BRD are active in auto lending and leasing, while ING and Banca Transilvania offer fast digital personal loans often used for cars. Manufacturer finance houses also compete on new-car deals.

What it costs

Car-finance rates in Romania are typically fixed and expressed as a DAE that varies with your income, the term, the down payment and whether the loan is secured. Leasing costs depend on the vehicle value, residual value and included services. Secured auto loans usually require CASCO insurance, an added cost. Because pricing is individualised, request quotes across loan and leasing options for your specific car, and factor the mandatory insurance into the true monthly cost.

Protections and regulation

Consumer auto loans are governed by consumer-credit rules (OUG 50/2010) and supervised by BNR, with ANPC enforcing consumer protection; you get pre-contract information, a 14-day withdrawal right and capped early-repayment fees. Leasing has its own contractual framework. The 40% debt-to-income cap limits over-borrowing. Financing is recorded at the Biroul de Credit. Confirm insurance obligations and what happens to the car if you repay early or default.

Common questions

Loan or leasing? A loan suits ownership; leasing can be cheaper for businesses and those who change cars often.

Do I need CASCO? Secured auto loans and leasing usually require comprehensive CASCO cover.

Can I repay early? Yes for consumer loans, with legally capped early-repayment compensation.

Who owns the car during finance? With a loan you own it while the bank holds a lien; with leasing the finance company owns it until you exercise any purchase option.

Car Finance in Romania — FAQ

What is the best car finance rate in Romania right now?

Giraffy tracks 20 car finance products across 8 lenders in Romania. Compare by APR to find the most cost-effective way to finance your vehicle.

What types of vehicle finance are available?

Common vehicle finance types include hire purchase (you own the car at the end), personal loans (borrow the cash outright), dealer finance, and leasing (no ownership). Compare total cost of credit — not just monthly payments — to find the most affordable option.

What credit score do I need for car finance?

Most mainstream lenders require a fair to good credit score. Specialist lenders offer car finance to those with poor or limited credit history, but typically at higher APRs. Check your eligibility using a soft-search tool before applying to avoid unnecessary hard searches on your credit file.

Can I get car finance with bad credit?

Yes — specialist lenders offer car finance to borrowers with a poor credit history, but at higher interest rates. A larger deposit reduces risk for the lender and may secure you a better rate. Improving your credit score before applying is the most cost-effective long-term approach.

What fees should I watch for on a car finance deal?

Watch for origination fees, documentation fees, prepayment penalties, and GAP insurance charges. These can add significantly to the total cost of a car finance deal. Always compare total cost of credit — not just the monthly payment or headline APR.

Is it cheaper to get car finance through a dealer or directly with a lender?

Dealer car finance is convenient but not always the cheapest — dealers often earn commission on the finance package. Comparing independent lenders via Giraffy before visiting a showroom gives you a benchmark rate. Arriving with pre-approved car finance puts you in a stronger negotiating position.

What happens if I want to settle a car finance deal early?

Early settlement typically involves paying the outstanding capital plus a settlement fee (usually 1–2 months' interest). Check the specific early repayment terms in your agreement before settling early.