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credite.md review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

credite.md is a Moldovan broker that lists same day funding, so it suits adults with a regular income who need money moved fast rather than the lowest rate. Borrowing runs MDL 1,000 to MDL 150,000 over terms of 3 to 36 on hard credit checks.

Key facts

Best for
Same-day cash in Moldova for adults with a steady monthly income.
APR
up to 694.87%↗
Loan amount
MDL 1,000 to MDL 150,000↗
Term
3 to 36 months↗
Arrangement fee
900 lei commission on a 5,000 lei, 12-month loan↗
Credit check
Hard↗
Funding time
Seconds via MIA instant payment transfer, a few hours by ordinary bank transfer, or cash at terminals and post offices↗
Representative example
Online consumer loan of 5,000 lei over 12 months, 596 lei per month, DAE 207.24%, commission 900 lei, total cost 2,152 lei, total payable 7,152 lei↗
Lender type
Broker↗
Free early repayment
No↗
Eligibility
Minimum age 18, valid Moldovan ID (buletin) and IDNP, active phone number, sufficient monthly income to cover instalments↗
Origination fee (%)
18%↗
Loan types
Personal, Secured↗
Legal entity
ElShop S.R.L. (IDNO 1020600017410)↗
Headquarters
Moldova↗
Support channels
Phone, Email, Help-centre↗
Features
Same-day funding
Official website
credite.md

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • Same-day funding is listed, and money can move in seconds through the MIA instant transfer.
  • Support runs on phone, email and help centre, including a help centre for written answers.
  • Borrowing spans MDL 1,000 to MDL 150,000 over terms of 3 to 36, and both personal and secured loans sit under personal and secured.
  • Cash can be taken at terminals and post offices rather than only paid into a bank account.

Cons

  • The APR can reach up to 694.87%, well above the bands lenders in this group advertise elsewhere.
  • Free early repayment is not offered, so settling the loan early can carry a charge.
  • It works as a broker, so the rate you get depends on the provider behind the match.

Ready to try credite.md?

Scored 8.5 / 10 by SumCue.

See alternatives

Who it suits

  • Moldovan adults who need cash the same day rather than the cheapest rate.
  • Borrowers with a regular monthly income large enough to cover the instalments.
  • People who want the choice of an unsecured or a collateral backed loan, since both sit under personal and secured.

Who should look elsewhere

  • Anyone shopping on price alone: Sofkredit's rate runs 10.74% to 18.06%, far inside the up to 694.87% ceiling here.
  • Borrowers after a much larger euro loan: Creduma ES lists from €12,000.
  • Readers who want a narrow band to test this rate against: Cashspace's APR runs PHP 12 to PHP 36.

Safety of your money

It is a broker, so the money comes from a lender credite.md introduces you to rather than from the site itself. The published example is the clearest read on what a loan costs: it sets out the instalment, the commission and the total payable sum, which shows how much of the repayment is fee rather than balance. Approval still rests with the lender behind the match.

Who runs it

The service is run by ElShop S.R.L. (IDNO 1020600017410) and sits in Moldova. Applicants are asked for a Moldovan ID, an IDNP, an active phone number and enough monthly income to cover the instalments, so paperwork is the gate in front of any offer. Support runs on phone, email and help centre, covering questions before and after a loan is repaid.

How credite.md compares

Where credite.md is available

Available
Moldova

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

Frequently asked questions

What will a loan cost me here?+

The headline APR can reach up to 694.87%, and the commission is a fixed lei amount plus 18% of the sum borrowed. The representative example sets out the instalment, the total cost and the total payable sum, so the fee added to the loan is visible before you commit.

How much can I borrow and over what term?+

Borrowing runs MDL 1,000 to MDL 150,000 with terms of 3 to 36. Personal and secured loans are both listed, so a borrower with collateral is assessed differently from one borrowing unsecured. The published example covers a smaller, shorter loan, so a larger sum will not price the same way.

Does applying run a credit check?+

The credit check is hard, so a full check runs and an application can affect your credit file. Applicants also need a valid Moldovan ID, an IDNP, an active phone number and enough monthly income to cover the instalments, so a decline can follow on any of those grounds.

How quickly does the money arrive?+

Same-day funding is listed under same day funding. Funds can arrive in seconds through the MIA instant transfer, take a few hours by ordinary bank transfer, or be collected as cash at terminals and post offices. The route you pick decides how soon you can spend it.

Can I pay the loan off early?+

Free early repayment is not offered, so settling ahead of the end of the term can carry a charge under the published terms. The representative example is the right place to see the instalment and total payable figures for a standard loan before you plan to finish it sooner.

Who is the actual lender?+

credite.md is a broker, so the loan is made by a provider it introduces you to and the rate reflects that provider's terms, not the site's. Retail loss across the listings sits at 70.15%, which makes reading the named lender's terms worth the time.

What help do I get if something goes wrong?+

Support runs on phone, email and help centre only, so questions go by phone, by email or through the help centre, before and after a loan is repaid. A dispute about an instalment would be handled on one of those channels rather than in an instant messaging thread.

Sources

  • credite.md checked September 26, 2026

    Backs: Loan amount, APR, Headquarters, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example, Term

    “Suma minimă: 1 000 lei; Suma maximă: 150 000 lei”

  • credite.md/contacte checked September 26, 2026

    Backs: Support channels

    “Tel: 022 858 553; E-mail: info@credite.md”

  • credite.md/intrebari-frecvente checked September 26, 2026

    Backs: Credit check, Eligibility, Features, Free early repayment, Funding time

    “De regula solicitantul primeste banii in cateva secunde”

  • credite.md/termeni-conditii checked September 26, 2026

    Backs: Legal entity

    “Compania "ElShop" S.R.L. IDNO 1020600017410 cu sediul in mun. Chisinau, str. Nicolae Titulescu 1”

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

Related by the facts

credite.md

Same-day cash in Moldova for adults with a steady monthly income.

8.5/10See alternatives