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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.

Fast credit, no trips, no paperwork

Get a simple, convenient solution straight from your phone. Online Credit from BestCredit IFN takes just a few minutes to apply for, and you’ll get a decision in under two hours. Choose a repayment period that fits your budget, between 6 and 24 months, with fixed monthly installments.

Product details

  • Between 1,000 and 10,000 RON for your personal needs
  • Flexible repayment over 6 to 24 months
  • Fixed monthly installments, the same amount every month, no recalculations
  • We accept applicants who’ve had late payments in the past
  • All you need is your ID card and an internet connection

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 in Romania, a phone number, and a valid email address.

How you get the money, step by step

What you need
  • ID card
  • Active bank account in Romania
  • Phone number
  • Email address
  • Internet access

  1. Fill out the application

    ~5 minutes

    Open the form on your phone or computer, enter your details, and upload a clear photo of your ID card.

  2. We review your application

    up to 2 hours

    Our team checks your details and sends you a decision by email, no waiting around.

  3. Receive your approval and a call from your consultant

    instant after review

    You'll get the approval decision by email, and a consultant will call you to explain the terms and answer any questions.

  4. Send your bank statement

    ~2 minutes

    Send us a statement showing your IBAN so we know where to transfer the funds.

  5. Receive your contract by email

    within a few minutes

    You'll receive the contract and all associated documents (repayment schedule, pre-contractual information) to review.

  6. Activate your electronic signature

    ~5 minutes

    You'll receive an email link to obtain your qualified signature certificate, the legal equivalent of a handwritten signature.

  7. Sign the contract

    ~2 minutes

    Sign the contract and all associated documents digitally, right from your phone.

  8. Receive the funds in your account

    same banking day

    The transfer is sent immediately after signing. In most cases the money arrives in your account the same banking day.

What else might interest you

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.
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 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.
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