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CreditPrime review

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

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Our verdict

CreditPrime suits Romanian adults who want a small personal loan or a revolving credit line without paying an arrangement fee. Money reaches your account within a few hours after approval, and the origination charge is 0 lei. It is a direct lender listed in Romania's National Bank of Romania registers.

Key facts

Best for
A small Romanian loan or revolving credit line with no setup fee.
Loan amount
RON 400 to RON 15,000↗
Term
up to 24 months↗
Arrangement fee
0 lei↗
Funding time
within a few hours after approval↗
Representative example
Credit line: 0.6% daily interest, 24-month contract, DAE 0%↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Romanian citizen, age 20-70, residence in Romania, monthly income over 1000 lei, bank account in Romania, valid phone and email↗
Loan types
Personal, Credit-line, Student↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Legal entity
ECOFINANCE IFN S.A.↗
Headquarters
Romania↗
Founded
2017↗
Support channels
Email, Phone, Help-centre↗
Features
Credit line, Same-day funding
Official website
creditprime.ro

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
youtube.comtiktok.com

Pros and cons

Pros

  • No arrangement fee: the origination charge is 0 lei on personal loans and on the credit line.
  • Free early repayment, so settling a loan or a drawn line early costs nothing extra.
  • Fast payout, with money reaching the account within a few hours after approval.
  • Support runs on email, phone and help centre, so phone, email and a help centre are all covered.

Cons

  • Pricing is variable, so the cost of a drawn balance can move while the contract runs.
  • The term caps at up to 24, short beside the longer periods offered by Creduma ES and Sofkredit.
  • Borrowing stops at RON 400 to RON 15,000, far below the sums at €12,000 to €300,000 and from €12,000.
CreditPrime

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Romanian residents with a monthly income who need a modest sum quickly.
  • Borrowers who want to settle a loan early without an early repayment charge.
  • Applicants with fair credit who would rather draw on a small revolving line.

Who should look elsewhere

  • Anyone needing a long repayment period, since the term caps at up to 24 against the longer terms at Sofkredit and Creduma ES.
  • Borrowers after a fixed rate, because pricing is variable here.
  • Larger purchases, since the RON 400 to RON 15,000 ceiling sits well below €12,000 to €300,000 at Sofkredit.

Deposit protection

CreditPrime is a direct lender registered in Romania with the National Bank of Romania, listed in the general register as RG-PJR-41-110328/11.10.2017 and in the special register as RS-PJR-41-110087/16.02.2018. Its own representative example reads: Credit line: 0.6% daily interest, 24-month contract, DAE 0%. Personal data handling is registered with ANSPDCP under 38445 si 38687.

The company behind it

The lending entity is ECOFINANCE IFN S.A., based in Romania and operating since 2017. You deal with the lender directly, on direct lender terms rather than through a broker. The National Bank of Romania lists it in the general register as RG-PJR-41-110328/11.10.2017 and in the special register as RS-PJR-41-110087/16.02.2018, and personal data processing is registered with ANSPDCP under 38445 si 38687. Support runs on email, phone and help centre.

How CreditPrime compares

Where CreditPrime is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (National Bank of Romania) - Registrul General (RG-PJR-41-110328/11.10.2017), checked September 26, 2026
Licence in Romania
Banca Nationala a Romaniei (National Bank of Romania) - Registrul Special (RS-PJR-41-110087/16.02.2018), checked September 26, 2026
Licence in Romania
ANSPDCP (personal data processing register) (38445 si 38687), checked September 26, 2026

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

Frequently asked questions

How much does CreditPrime cost to arrange?+

There is no arrangement fee: the origination charge is 0 lei. What you pay is interest, and the rate is variable, so it can change. The representative example reads: Credit line: 0.6% daily interest, 24-month contract, DAE 0%.

Who regulates CreditPrime?+

CreditPrime operates as direct lender from Romania, where it is registered with the National Bank of Romania in the general register as RG-PJR-41-110328/11.10.2017. The special register lists it as RS-PJR-41-110087/16.02.2018, and personal data processing is registered under 38445 si 38687.

Who can apply?+

Eligibility is limited to Romanian citizens living in Romania with a minimum age, a monthly income above a set level, and a Romanian bank account. A valid phone number and email are also required. The site describes the credit bar as fair.

How fast is the money?+

Funding is quick once a decision is made, with money reaching you within a few hours after approval. Same-day funding and a credit line both sit among the listed features, and 30.8% of the lenders on the site carry that feature.

Can I repay early without a charge?+

Yes. Free early repayment applies, so you can settle a personal loan, or clear a drawn credit line, early without an extra charge. That matches 79.4% of the lenders on the site that charge nothing for early repayment.

What kinds of credit are available?+

CreditPrime offers personal loans, a revolving credit line and student loans, with home improvement as the stated use. Amounts run RON 400 to RON 15,000, and contracts can run up to 24. The rate applied to a drawn line is variable.

Is the interest rate fixed?+

No. Pricing is variable, and the credit line is quoted with daily interest rather than a fixed annual rate. The representative example reads Credit line: 0.6% daily interest, 24-month contract, DAE 0%, so the cost of a balance kept open long depends on how long it runs.

How do I get help?+

Support runs on email, phone and help centre, meaning you can reach the lender by phone, by email or through its help centre. As direct lender, CreditPrime handles the application and the account itself rather than passing you to a broker for the account.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check.

CreditPrime

CreditPrime

A small Romanian loan or revolving credit line with no setup fee.

9.0/10See alternatives