Garanti BBVA Consumer Finance is part of the financial-group Garanti BBVA Romania, which brings together also Garanti BBVA and Garanti BBVA Leasing. Garanti BBVA Group Romania is held by Garanti BBVA Turkey (TGB), whose majority shareholder is the Spanish financial group Banco Bilbao Vizcaya Argentaria (BBVA). Incorporated in Romania as of 1997, Garanti BBVA Consumer Finance (the brand under which the company Ralfi IFN S.A. operates) is a non-bank financial institution that provides consumer finance, having developed a solid client portfolio and a national presence. Being one of the first companies on the consumer credit market, it completes the Group's range of products and services with: - Personal loans - Insurance attached to consumer loans: an income protection plan and / or extended warranty for the purchased product For more information, please visit: www.garantibbvacreditedeconsum.ro