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BEST CREDIT, at our office

Between 1,000 and 15,000 RON with flexible repayment over 6–24 months. Visit our office in Râmnicu Vâlcea and speak directly with a consultant.

Schedule a consultation How it works
6–24 months
Flexible repayment
Guarantor
Optional, for larger amounts
At our office
Direct consultation

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.

Credit discussed face to face

Come to our office in Râmnicu Vâlcea and a consultant will walk you through every step: explain your options, calculate the installment that fits your budget, and answer any question before you sign. No confusing terms, no unnecessary paperwork.

Product details

  • Between 1,000 and 15,000 RON for your personal needs
  • Flexible repayment over 6 to 24 months
  • Optional guarantor, improves your chances for above-average amounts
  • We accept applicants who’ve had late payments in the past
  • Handwritten signature, at the office

Who can apply

You can apply if you’re at least 22 years old, live in Romania, and have a monthly income of at least 2,800 RON. We accept both employees (with at least 4 months on the job) and retirees. You’ll need an active bank account, a phone number, and a valid email address. For this product, you’ll need to visit our office to sign the documents.

Want a higher amount? You’ll have better chances if you apply with a guarantor, who can come with you to the signing.

From the first step to money in hand

What you need
  • ID card
  • Proof of income: pension slip and retirement decision or bank statement (only if you are retired or your income is not reported to ANAF)
  • Bank statement showing your IBAN
  • Guarantor (optional, for above-average amounts)

  1. You come to the office and we discuss your options

    20–30 minutes

    A consultant explains the available solutions, calculates the monthly installment that fits your budget, and answers any questions.

  2. You sign the contract

    same visit

    You sign the credit agreement and related documents by hand, together with the guarantor if applicable.

  3. You receive the money

    same day

    The approved amount is transferred to your account or handed to you in cash, the same day.

What else might interest you

Call our office in Râmnicu Vâlcea or send us an email and we'll suggest a time slot. The consultation takes 20–30 minutes and is free, with no obligation.
Bring your ID card and a bank statement showing your IBAN, so we know where to send the funds. If you're retired, you'll additionally need to bring 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.
Yes. A guarantor can help you get a higher amount or better terms. They come with you to the signing and co-sign the contract alongside 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.
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.

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