Only 11.4% of respondents believe they managed to save enough in 2024 to meet their financial needs and expectations. Another 43% say they were only able to set aside very small amounts, 32% did not save at all, and nearly 14% had to dip into their savings, reducing the funds available for unexpected situations.

Meanwhile, nearly 28% stated that they took out a loan in 2024 or plan to do so in the near future, while another 24% already have ongoing loans.

„The need for financing among Romanians is growing as inflation puts pressure on household budgets, making it harder for them to save as much as they would like. Before taking out a loan, it's essential for individuals to analyze their income and expenses, assess their existing debt level, and determine their actual financing needs. Based on this, they should consider advantageous solutions, especially when it comes to shopping-related loans, such as BNPL (Buy Now, Pay Later) options, which allow purchases to be paid in interest-free installments,” said Gergana Staykova, Market Lead, tbi bank.

When it comes to the reasons why Romanians would take out a loan, nearly 28% say they don't have enough savings to rely on when needed, while 20% state that their expenses exceed their available budget.

Among those who say they need financing, almost one-third are considering a loan for a major purchase, such as a car. Another 27% would take out a loan for unexpected expenses, 22% for health-related costs, and 20.7% to better manage their everyday expenses.

If they were to take out a loan in the near future, about a quarter of respondents are considering an amount exceeding RON 80,000, 15% would opt for a loan between RON 10,000 and 25,000, while 41% would take out a loan for amounts under RON 10,000. Additionally, over 60% say they would choose a personal loan, while just over 14% would opt for a mortgage.

Regarding the monthly installment they could afford, 24.3% state they could manage payments of over RON 1,000, while 22.3% could only afford a maximum of RON 300 per month. As for the repayment period, nearly 28% believe they could repay a loan within 3-5 years, while 25.6% estimate they would need more than five years to fully repay it.

The tbi bank survey analyzed how Romanians perceive the state of the economy and was conducted in 2024 at a national level through the iVox platform, based on a sample of 1,003 internet users from Romania. Over 47% of the participants are female, and more than 50% have a net income exceeding RON 4,000.