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CreditFix review

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

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Our verdict

CreditFix suits Romanian borrowers needing a direct cash advance or credit line with prompt funding and poor credit. Its variable APR of 675.04% to 3,678.34%, hard credit check and substantial borrowing cost mean the short term should be managed cautiously and repaid early.

Key facts

Best for
Romanian borrowers needing short-term cash or revolving credit with a strong repayment plan.
APR
675.04% to 3,678.34%↗
Loan amount
RON 100 to RON 10,000↗
Term
60 months↗
Arrangement fee
0 RON↗
Credit check
Hard↗
Funding time
30-60 minutes on working days, most often same day↗
Representative example
500 lei drawn and repaid within 62 days: APR (DAE) 1,628.08%, total interest 305 lei, single repayment 805 lei↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Romanian citizenship or right of residence, age 18-75, proven monthly income (salary, pension, self-employment) of at least 1,000 lei paid into a bank account with card, personal mobile and email↗
Loan types
Cash-advance, Credit-line↗
Credit needed
Poor↗
Legal entity
CREDIT FIX IFN S.A.↗
Headquarters
Romania↗
Founded
2015↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding, Credit line
Official website
creditfix.ro

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
facebook.comyoutube.com

Pros and cons

Pros

  • Cash advance and credit line options are available through cash advance and credit line.
  • Funding takes 30-60 minutes on working days, most often same day.
  • Early repayment is free.
  • The online credit option has an origination fee of 0 RON.

Cons

  • The variable APR is 675.04% to 3,678.34%, making this an expensive form of borrowing.
  • Applications use a hard credit check and are aimed at borrowers with poor credit.
  • The maximum term is 60, so balances must be cleared before they become harder to manage.
CreditFix

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Romanian residents with a minimum age, proven income paid into a bank account with a card, and access to a mobile and email.
  • Borrowers who value fast access to a cash advance or credit line over a lower cost of borrowing.
  • People willing to repay early and keep balances short.

Who should look elsewhere

  • Cashspace may suit borrowers comparing a different market and APR of PHP 12 to PHP 36.
  • Creduma ES may suit applicants focused on a loan amount starting at from €12,000.
  • Sofkredit may suit borrowers comparing an APR of 10.74% to 18.06%.

Who runs it

CreditFix is operated by CREDIT FIX IFN S.A., a direct lender based in Romania. It was founded in 2015. The National Bank of Romania appears as the licensing regulator. Customer assistance is available through email, phone and help centre, including email, phone and a help centre.

How CreditFix compares

Where CreditFix is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (National Bank of Romania) (RS-PJR-41-110084/16.02.2018), checked September 26, 2026

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

Frequently asked questions

What APR does CreditFix charge?+

CreditFix has a variable APR of 675.04% to 3,678.34%. The rate is the main warning for borrowers, particularly if a balance is carried for longer than planned. Early repayment is free, but repaying early is the clearest way to limit the overall interest burden.

What loan amounts and types are available?+

CreditFix offers loan amounts of RON 100 to RON 10,000. Its stated products include a cash advance and a credit line, so borrowers can compare a one-off payment product with revolving access to funds under their own credit limit.

How long does funding take?+

Funding normally takes 30-60 minutes on working days, most often same day. This makes CreditFix most practical for urgent expenses that cannot wait through a longer application and settlement process. The stated timeframe refers to working days.

Is there an origination fee?+

The online credit product has an origination fee of 0 RON. Interest is still payable under the borrowing arrangement, so the absence of an origination charge does not make the loan free. The example shows the total repayment separately from the amount borrowed.

Does CreditFix use a hard credit check?+

CreditFix uses a hard credit check and is aimed at applicants with poor credit. A hard check is an important distinction from a soft eligibility check, so borrowers should assess affordability before applying. Approval will also depend on the stated eligibility requirements.

What does a representative repayment look like?+

In the representative example, a smaller loan is drawn and repaid within a short period. The total interest is a substantial part of the amount borrowed, and the single repayment is higher than the principal. The example demonstrates why the balance should be cleared quickly.

Sources

  • creditfix.ro checked September 26, 2026

    Backs: Credit check, Features, Support channels

    “We verify your identity in the mobile app. You upload a photo of your ID and a bank statement, and we initiate a card payment”

  • creditfix.ro/credit-online checked September 26, 2026

    Backs: Credit needed, Eligibility, Arrangement fee, Rate type, Representative example

    “Can I get a loan if I am reported to the Credit Bureau? Yes, your negative history is not an insurmountable obstacle; we analyse each application individually”

  • creditfix.ro/credit-rapid checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Funding time, Lender type, Loan types, Term

    “Financed amount: minimum 100 lei - maximum 10,000 lei (credit rapid / credit line)”

  • creditfix.ro/despre-noi checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Licences

    “2015 - the year the first loan was granted; we launched CreditFix and issued the first online loans”

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

Related by the facts

CreditFix

CreditFix

Romanian borrowers needing short-term cash or revolving credit with a strong repayment plan.

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