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Credit365.md review

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

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Our verdict

Credit365.md is a Moldovan direct lender aimed at adults with income documents and an active local card who need cash the same day. Borrowing is quick and the origination fee is 0%, but 34.52% to 99.78% is steep, and a monthly administration fee on lower value loans pushes the real cost higher.

Key facts

Best for
Fast personal and payday loans in Moldova for adults who can show income documents and hold a local bank card.
APR
34.52% to 99.78%↗
Loan amount
MDL 5,000 to MDL 200,000↗
Term
3 to 24 months↗
Arrangement fee
0 MDL issuance fee; 1.1% monthly administration fee (110 MDL per month) on 5 000 - 40 000 lei loans↗
Funding time
Approval by SMS in about 15 minutes; cash within 5 minutes of signing, card within about 1 hour (urgent transfer, 50 MDL fee), standard card transfer same day in 6-18 hours↗
Representative example
Loan of 10 000 MDL over 12 months: total payable 14 219.61 MDL, cost of credit 4 219.61 MDL, fixed 50% p.a. plus 1.1% monthly admin fee, DAE 99.78%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Residents of the Republic of Moldova aged 18 or over, with valid ID, active phone, income documents and an active MDL bank card↗
Origination fee (%)
0%↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
O.C.N. "Aventus Finance" S.R.L. (fiscal code 1017600033652)↗
Headquarters
Moldova↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
credit365.md

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Free early repayment is available, so clearing the balance before the end adds no charge.
  • The origination fee is 0%, so taking out the loan costs nothing upfront.
  • Same day funding is listed as a feature, same day funding, and cash can be taken within minutes of signing.
  • The stated credit requirement is poor, so a weak credit history does not stop an application.

Cons

  • 3 to 24 is the longest term on offer, so a large purchase has to be repaid on a short schedule.
  • A monthly administration fee applies to the lower value loans, and the representative example shows the total payable well above the interest alone.
  • Support runs on phone, email and help centre, so help is handled remotely.
Credit365.md

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Adults resident in the Republic of Moldova with valid ID, an active phone, income documents and an active MDL bank card.
  • Borrowers with poor credit who need a small personal or payday loan quickly.
  • Anyone who expects to settle the loan early, since free early repayment is available.

Who should look elsewhere

  • Not Sofkredit for cheaper credit: its APR runs 10.74% to 18.06% against 34.52% to 99.78% here.
  • Not Cashspace on price: it quotes PHP 12 to PHP 36, though the currency differs so the two products are not directly comparable.
  • Not Creduma ES: it lends from from €12,000 in another currency, so it does not suit an applicant who wants to borrow in lei up to MDL 5,000 to MDL 200,000.

Safety of your money

Credit365.md is a direct lender (direct lender) rather than a broker, so the contract sits with one company. The representative example sets out the cost of a standard loan as fixed interest plus a monthly administration fee, which is what lifts the annual rate into the 34.52% to 99.78% range rather than a single flat charge.

Who runs it

The lender is O.C.N. "Aventus Finance" S.R.L. (fiscal code 1017600033652), headquartered in Moldova. The same named company stands behind the loans, so the counterparty is clear on paper before anything is signed. Support runs on phone, email and help centre, which means phone, email and a help centre are the routes to reach the firm during an application or a repayment.

How Credit365.md compares

Where Credit365.md is available

Available
Moldova

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

Frequently asked questions

What does a Credit365.md loan cost in total?+

There is no issuance charge, the fee is 0%, and interest is fixed. On top of interest, a monthly administration fee is charged on the lower value loans, so the representative example costs more than the interest alone. The annual rate on these products runs 34.52% to 99.78%.

How much can I borrow and over what term?+

Loan amounts run MDL 5,000 to MDL 200,000 and terms run 3 to 24. The monthly administration fee applies to the lower value loans within that range, so on a small borrowing it works out as a larger share of the amount than on a larger one. Both personal and payday loans are offered.

Who can apply for a loan?+

You need to be a resident of the Republic of Moldova with a minimum age, valid ID, an active phone number, income documents and an active MDL bank card. The stated credit requirement is poor, so a weak credit history is accepted provided the documents are in place.

How fast do I get the money?+

Same day funding is listed as a feature, same day funding. Approval arrives by SMS quickly, cash can be collected within minutes of signing, and a standard card transfer usually lands the same day. An urgent card transfer is available for an extra charge when the timing is tight.

Can I repay the loan early?+

Free early repayment is available, so settling the balance before the end of the schedule adds nothing. That matters here because the rate is fixed and a monthly administration fee also applies each month, so an early exit can cut the total cost of the loan.

Who am I borrowing from?+

Credit365.md is a direct lender rather than a broker, so the contract is with the company itself: O.C.N. "Aventus Finance" S.R.L. (fiscal code 1017600033652), based in Moldova. There is no separate intermediary choosing the product, which means the quoted terms belong to the named company on the paperwork.

What support is available after applying?+

Support runs on phone, email and help centre, so the company can be reached by phone, by email or through the help centre. A dedicated help centre sits alongside direct phone and email contact, which covers questions about the repayment schedule, the administration fee and early settlement.

Sources

  • credit365.md checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Free early repayment, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “DAE : 99.78 % (loan of 5 000 - 40 000 lei, 3-24 months) ... DAE : 34.52 % (loan of 101 000 - 200 000 lei, 41-60 months)”

  • credit365.md/contacte checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “MD-2001, mun.Chișinău str. Lev Tolstoi, 27”

  • credit365.md/intrebari-si-raspunsuri checked September 26, 2026

    Backs: Features, Funding time

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Credit365.md

Credit365.md

Fast personal and payday loans in Moldova for adults who can show income documents and hold a local bank card.

9.1/10See alternatives