Stable income
The applicant and, where applicable, guarantors provide current income documents.
Download the income formLoans for members
CAR member loans: clear rates and terms.
We explain costs, documents and options before you sign. No origination fee and no early repayment penalties.
Repayment term confirmed in your offer
Interest calculated on the daily balance
0origination fees
Before applying
Three eligibility essentials
Final terms depend on your circumstances and are confirmed by an advisor.
Suitable guarantee
The loan may be secured by guarantors, the social fund or a combination determined during assessment.
Local connection
Applicants and guarantors must live and work in Covasna, Harghita or Brașov counties.
Responsible assessment
What we assess in a loan application
There is no one-size-fits-all solution. We consider the whole application and explain every criterion used.
We review how previous obligations were met and the financial relationship with the association.
The proposed payment is assessed against net income and the household’s other obligations.
We determine the suitable guarantee: guarantors, social fund or a combination adapted to the request.
Your contribution supports membership and is considered in the financing structure.
Purpose, amount, term and documents are reviewed together for a responsible decision.
Next step
Find the option that suits you
Start with an estimate or speak directly with our team.
Covasna · Harghita · Brașov
CAR member loans in your community
Choose an office for its address, opening hours and information about membership and loans.