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The online credit, simple and fast, 100% digital

Between 1,000 and 10,000 RON for your personal needs. Response in under 2 hours, electronic signature, and funds in your account the same day.

Apply now How it works
2h
Approval response
6–24 months
Flexible repayment
Same day
Funds in your account

See your monthly installment in seconds.

2.000RON
Term
Insurance included, 270 RON
Monthly installment244RON
Loan amount
2.000 RON
Insurance
270 RON
Loan amount + insurance
2.270 RON
Annual interest
50%
Total interest
928 RON
Total cost
1.198 RON

Monthly installment and costs are estimates. The final value depends on your application review.

Four things that matter for you

The things that separate a credit you can actually get from one that keeps you waiting for weeks.

  • Apply even with a difficult payment history

    Been turned down by a bank? Had late payments in the past? We review every application in context, not just on points.

  • Response in under 2 hours

    No queues, no appointments. You get your answer by email, usually the same day.

  • Clear costs from the start

    We tell you the monthly installment, APR, and all fees before you sign. No surprises in the contract.

  • Fixed installments, once a month

    You pay the same amount every month for the full duration of the credit. No variable rates, no recalculations.

Two products, same transparency

Apply online from anywhere, or face to face at our office. You choose the experience.

100% Online

Online Credit

Apply from your phone, sign electronically, get the money in your account the same day. No trips required.

Who it's for: employees or retirees who want a 100% digital process, including those who have had late payments in the past.
Amount
1,000 – 10,000 RON
Term
6 – 24 months
Where you apply
Online, from anywhere
Signature
Qualified electronic signature
Response
Within 2 hours
Apply online
At our office

In-Person Credit

Direct consultation, extended term, and the option to add a guarantor for larger amounts.

Who it's for: you prefer to speak face to face with a consultant and can visit our office in Râmnicu Vâlcea.
Amount
1,000 – 15,000 RON
Term
6 – 24 months
Where you apply
Office, Râmnicu Vâlcea
Signature
Handwritten, at our office
Guarantor
Optional, for larger amounts
Schedule a consultation

Four moments, within one banking day

The online process, distilled to the essentials. The application takes under 10 minutes.

  1. 1

    You apply

    Online form, from your phone

  2. 2

    You get a response

    By email, within 2 hours

  3. 3

    You sign the contract

    Electronically, directly from your phone

  4. 4

    You receive the money

    In your account, the same banking day

See the full process, step by step

What those who have already been through the process say

Fixed monthly installments, no hidden costs. I'd recommend them.

Diana P. · București

I applied online and got a response within a few hours. Simple and fast process.

Ionuț M. · Craiova

I needed money urgently and had it sorted the same day.

Marius C. · Râmnicu Vâlcea

What else might interest you

Yes. We review every application in context, not just on a score. Past late payments don't automatically disqualify you, we look at your income, repayment capacity, and your current situation.
You need your ID card (a clear photo of it) and an active bank account in your name at a bank in Romania. After approval, we'll also ask for a bank statement showing your IBAN. If you're retired, we'll additionally ask for your pension slip and retirement decision. If you're employed but your income is not reported to ANAF, the bank statement alone is sufficient as proof of income.
You'll get a decision within 2 hours of submitting your application. After you electronically sign the contract, the transfer is sent immediately. In most cases, the money arrives in your account the same banking day.
APR (Annual Percentage Rate) is the total cost of the credit expressed as an annual percentage. It includes the interest rate and all mandatory fees. The calculator shows an estimated figure; the final value is stated in the contract before you sign.
Yes. Under Government Emergency Ordinance 50/2010, you can repay early at any time, partially or in full. You'll find details about the procedure on the Early repayment page.
You'll receive an email link to obtain your qualified electronic signature certificate, legally equivalent to a handwritten signature. Everything happens on your phone in a few minutes, no travel required.

The application takes under 10 minutes. You get an answer in 2 hours.

Fully digital, from your phone. Or visit our Râmnicu Vâlcea office.

Apply now
or call 0350.919
☎ Call Apply now