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Credit Rapid review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credit Rapid suits Moldovan borrowers who need a fixed-rate personal loan and value a direct application with same-day funding. Its APR is 24%, while the personal-loan comparison median is 14.43%, so careful cost checking is essential before applying.

Key facts

Best for
Moldovan borrowers seeking a direct fixed-rate personal loan with same-day funding.
APR
24%↗
Arrangement fee
Monthly commission 15 MDL↗
Credit check
Hard↗
Funding time
Financing decision within 1 hour; money transferred within 30 minutes of contract signing↗
Representative example
Credit Necesași Personale: loan of 8235 MDL over 15 months, fixed rate 12% per year, monthly commission 15, effective annual interest 24%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
ID card required; income confirmation for the last 6 months; legal entities need state register extract and latest financial report↗
Loan types
Personal, Car, Business, Secured↗
Legal entity
OCN Credit Rapid SRL↗
Headquarters
Moldova↗
Founded
2008↗
Support channels
Phone, Email, Chat↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
creditrapid.md

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • Free early repayment is available.
  • Personal-loan funding can be provided on the same day through same day funding.
  • Support is available by phone, email and chat through phone, email and chat.
  • Personal loans use a fixed-rate model under fixed rate.

Cons

  • The APR is 24%, above the personal-loan median of 14.43%.
  • Personal loans include monthly commission of Monthly commission 15 MDL.
  • Applications use a hard credit check: hard.
Credit Rapid

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Borrowers in Moldova who need personal, car, business or secured loans from a direct lender.
  • Applicants who can provide identity, income and, for legal entities, company financial documents.
  • People who value phone, email and chat support through phone, email and chat.

Who should look elsewhere

  • Borrowers wanting to avoid a hard credit check, since Credit Rapid uses hard.
  • Borrowers unwilling to accept a monthly commission of Monthly commission 15 MDL.
  • Cost-sensitive applicants who may prefer alternatives with APRs of PHP 12 to PHP 36 or 10.74% to 18.06%.

Safety of your money

Credit Rapid operates as a direct lender rather than a broker, according to direct lender. Its personal-loan example combines a fixed annual rate with an effective annual interest rate of 24%, plus a monthly commission. Applicants should assess both the borrowing cost and the commission before accepting the loan.

Who runs it

Credit Rapid is operated by OCN Credit Rapid SRL, a direct lender based in Moldova. It was founded in 2008 and provides personal, car, business and secured loans under personal, car and business. Assistance is available through phone, email and chat, giving borrowers several ways to contact the company.

How Credit Rapid compares

Where Credit Rapid is available

Available
Moldova
Licence in Moldova
National Bank of Moldova (BNM), supervisory authority for non-bank credit organisations, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kind of lender is Credit Rapid?+

Credit Rapid is a direct lender, as shown by direct lender. It offers personal, car, business and secured loans through personal, car and business, with support available through phone, email and chat.

Is the Credit Rapid personal-loan rate fixed?+

Personal loans have a fixed rate under fixed rate. The stated APR is 24%, and the representative example combines this cost with a monthly commission of Monthly commission 15 MDL.

What documents are required to apply?+

For personal-loan applicants, an ID card and income confirmation are required. Legal entities must provide a state register extract and latest financial report, making different documentation necessary for business borrowers.

Does applying affect your credit file?+

Credit Rapid uses a hard credit check, recorded as hard. The application therefore involves a full credit assessment rather than a soft prequalification.

How quickly can a personal loan be funded?+

A financing decision can be made within a short stated period, followed by a transfer within a short period after contract signing. The lender also lists same day funding, indicating same-day funding is available.

Who operates Credit Rapid?+

Credit Rapid lists OCN Credit Rapid SRL as its legal entity. Its headquarters are in Moldova, and the company was founded in 2008.

Can you repay a Credit Rapid loan early?+

Yes. Credit Rapid offers free early repayment, which can reduce the remaining interest cost if the loan is settled ahead of schedule. The stated APR for personal loans remains 24%.

Sources

  • creditrapid.md/contacte checked September 26, 2026

    Backs: Headquarters, Support channels

    “Chisinau str. Socoleni 1 MD-2020”

  • creditrapid.md/credite-necesitati-personale checked September 26, 2026

    Backs: APR, Credit check, Eligibility, Features, Funding time, Legal entity, Lender type, Pricing model, Arrangement fee, Rate type, Representative example

    “Dobanda anuala efectiva 24 % (effective annual interest 24%)”

  • creditrapid.md/despre-credit-rapid checked September 26, 2026

    Backs: Founded, Licences

  • creditrapid.md/home checked September 26, 2026

    Backs: Free early repayment, Loan types

    “At any time during the contract you can repay the loan before term, reducing the cost of the credit”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Term.

Credit Rapid

Credit Rapid

Moldovan borrowers seeking a direct fixed-rate personal loan with same-day funding.

9.1/10See alternatives