Loans made: 1047560
RO EN
Loans for everyone!
  • Up to Ron 10 000 for a term of up to 4 years
  • Easy terms of payment for your first loan
  • We'll find the best deals for you
  • You will receive money today
Apply now
100
25 000
How much money do I need to borrow?
What is the purpose of the loan?
Please provide your contact phone number
Enter your phone number.
hint-error
Please provide your email address
Enter your email.
hint-error
I agree to receive newsletters from the service about preferential loans and bonus programs.
Last name
The surname must be written in letters
hint-error
First name
The name must be written in letters
hint-error
Please specify your gender
Your date of birth
Cod numeric personal
Only numbers
hint-error

Applications submitted today: 329

48 minutes ago:
Claudiu vasile, an application has been submitted for 2 000 Ron
51 a minute ago:
Dorina, an application has been submitted for 1 000 Ron
58 minutes ago:
Iulian Sebastian, an application has been submitted for 5 000 Ron
Options for receiving funds
After applying, you will be contacted to clarify the details of your loan. In some cases, this can take up to 15 minutes.

Please note that our employees never call and demand funds from customers. If someone calls you and asks for money, it's a scam!

Loan terms:

  • Interest rate on a consumer cash loan: up to 36% per annum.
  • Loan amount: from 1,000 to 10,000 RON
  • Loan term: from 12 to 60 months.
  • If the payment schedule is not met, the penalty fee starts from 0.1% of the overdue amount per day but will not be more than 10% of the loan amount.
  • If there is a long delay in payments, information about the borrower is sent to the Bureau of Credit History
  • Please specify the final terms and conditions when communicating directly with creditor banks.

Requirements for the borrower:

  • Citizenship of Romania.
  • Aged 21 and older
  • Passport.
  • Identification number.
  • Proof of Income Statement (only if you get a loan from a bank)
  • Pension certificate (for retirees)

*The final loan terms depend on the current terms of the partner organization.

Additional information:

About the service Consequences

About the service

«ro.creditbot.info» provides free services for selecting the best option of obtaining loan funds. We cooperate with organizations that offer different conditions for receiving money across Romania. We are constantly working to expand our network of partner companies. Thanks to this, by filling out an application form on our website, you get favorable conditions for receiving money!

Consequences

If you fail to repay the loan or interest for using it when they fall due, the lender has to charge a fine for late payment. Most lenders make concessions and give you 3 extra business days to pay. They are provided if, for example, a bank transfer took longer than usual. However, if there is no response from you for a long time, a penalty for late payment will be charged, on average, at 0.10% of the original amount for loans, 0.03% of the overdue amount for consumer loans and credit cards. If you do not meet the conditions for repayment of loans and borrowings, data about you may be sent to the register of debtors or the Bureau of Credit Histories, which may adversely affect your credit history and credit rating. The debt can be transferred to the collection agency for collection. If there is a delay, the loan term cannot be extended.

The lender duly informs you about all upcoming payment deadlines by SMS or email. We recommend you to pay on the day when you receive these reminders. If you pay off your debt when due, you create a good credit history, which increases your credit rating and the chances of getting a loan on more favorable terms in the future.

We respect every client!

I think that it's better to take out a loan for a short time. The overpayment is very small in that case. It helped me a lot.

Alin Marin

Bucharest

I've always dreamed of buying a bicycle. Discounts just started, I did not want to miss such a great chance. I took out a loan, and, in the evening, I was able to ride a bike with friends in the park.

Catalina Ionescu

Timisoara

I had an unpleasant situation with loans, a very bad credit history, but this service helped me! Thanks to you, I solved my financial difficulties, I am very grateful! Extremely fast work, your team really solves the most difficult situations!

Olga Dumbrava

IASI
Leave your feedback
Add your photo for review

About the service

creditnice.ro provides services for selecting the best loan options available. We collaborate with organizations offering various terms for receiving funds throughout South Africa. We are constantly expanding our network of lenders and partner companies. By filling out an application on our site, you will receive favorable conditions for obtaining funds! Banks or landers may request additional documents. Please note the application must be filled out in person.

Consequences of Non-payment of Loan Funds

In the case of non-repayment of the credit amount or the interest due within the stipulated period, the creditor will be forced to charge a late payment penalty. Most creditors offer a grace period of three additional working days for payment. This is provided in cases where, for example, a bank transfer takes longer than usual. However, if there is no response for an extended period, a late payment penalty of approximately 0.10% of the original loan amount and 0.03% of the outstanding amount for consumer credits and credit cards will be charged. Non-compliance with repayment conditions can result in your data being transferred to a debtor's register or a credit bureau, negatively affecting your credit history and creditworthiness rating. The debt may also be referred to a collection agency. If a delay occurs, further extension of the loan is not possible.

The creditor will promptly inform you about all payment deadlines via SMS or email. We recommend that you make the payment on the same day you receive these reminders. By repaying debts on time, you build a good credit history, which increases your credit rating and enhances your chances of obtaining credit on more favorable terms in the future.

The example of loan calculation

If you took a loan in the amount of 3000 Ron for 3 months with an interest rate of 4.5% per month, then after the end of the loan term, the overpayment will amount to 450 Ron. It turns out that you return 3450 Ron. Below are the calculations of interest accrued for further independent calculation of the loan repayment amount "with interest" to users of the average service. The amount is 3000 Ron, the interest rate per month is 4.5%, and the loan term is 3 months. 4.5 "%" * 3 "months" = 13.5% for 3 months "13.5% * 3000 Ron "loan amount"" / 100% = 450 Ron "amount of accrued interest" 3000 + 450 = 3450 Ron is the amount of money needed to be repaid in 3 months. In case of violation of the terms, the penalty amount is 0.10% of the overdue amount per day, but not more than 10% of the loan amount. In сase of a long delay in repayment, the information will be transferred to the credit bureau. The loan may be extended if the lender is informed in a timely manner "before the loan repayment date" and interest for the initial loan term is paid. There are no additional fees for loan extensions.