Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Credius 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

Credius is a Romanian direct lender for borrowers who need cash fast and can handle steep interest. Its APR runs 36.91% to 274.26%, well above the site median of 15.5%, while RON 1,850 to RON 100,000 is on offer. Early repayment is free, but a file analysis commission applies.

Key facts

Best for
Quick personal loans for Romanian residents who need money in a hurry.
APR
36.91% to 274.26%↗
Loan amount
RON 1,850 to RON 100,000↗
Term
12 to 60 months↗
Arrangement fee
500 RON file analysis commission (representative example)↗
Funding time
About 5 minutes from approval, delivered directly to card↗
Representative example
Credit cu buletinul: 5,000 lei over 24 months at 45%/year, 0% monthly administration commission plus 500 lei file analysis commission, 319.59 lei monthly, DAE 75.39%, total payable 8,170.16 lei↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Minimum 18 years old, Romanian citizenship and residence in Romania, at least 1 month job tenure, pensioners present pension slip↗
Loan types
Personal, Payday, Business↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Legal entity
Credius IFN S.A.↗
Headquarters
Romania↗
Founded
2013↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Same-day funding
Official website
credius.ro

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Fast payout: About 5 minutes from approval, delivered directly to card.
  • Flexible size: RON 1,850 to RON 100,000 over 12 to 60.
  • Early repayment is free, so settling ahead of schedule costs nothing extra.
  • Support runs on email, chat and phone.

Cons

  • Interest is the weak point: 36.91% to 274.26% against a site median of 15.5%.
  • A file analysis commission of 500 RON file analysis commission (representative example) adds to the total repayable.
  • Eligibility is narrow: Romanian citizenship and residence, a minimum job tenure and a pension slip for pensioners.

Ready to try Credius?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Romanian residents with a fair credit record who need a small loan quickly.
  • People funding home improvement who want the money delivered straight to the card.
  • Pensioners who can present a pension slip and can settle the balance early free.

Who should look elsewhere

  • Anyone shopping purely on price: Sofkredit's APR of 10.74% to 18.06% is lower than 36.91% to 274.26%.
  • Borrowers outside Romania, where the lender asks for Romanian citizenship and residence.
  • Shoppers wanting a low commitment sum, where Cashspace's APR of PHP 12 to PHP 36 costs less.

Deposit protection

Credius is a direct lender: it lends you money rather than taking deposits, so deposit protection has nothing to cover here. What stands behind the lender is its register entry, the General Register of non-bank financial institutions at Banca Nationala a Romaniei, listed as RG-PJR-42-110277/01.08.2013, plus the Special Register entry RG-PJR-42-110086/16.02.2018. The representative example repays a mid sized loan monthly with a file analysis commission on top.

The company behind it

The lender behind the loans is Credius IFN S.A., based in Romania and operating since 2013. It appears on both Banca Nationala a Romaniei registers, the General Register entry RG-PJR-42-110277/01.08.2013 and the Special Register entry RG-PJR-42-110086/16.02.2018. Support runs on email, chat and phone, so you can reach the same company whether you apply, repay or ask about a file analysis commission.

How Credius compares

Where Credius is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (BNR), General Register of non-bank financial institutions (RG-PJR-42-110277/01.08.2013), checked September 26, 2026
Licence in Romania
Banca Nationala a Romaniei (BNR), Special Register of non-bank financial institutions (RG-PJR-42-110086/16.02.2018), checked September 26, 2026

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

Frequently asked questions

How much can I borrow from Credius?+

Loan amounts run RON 1,850 to RON 100,000, over terms of 12 to 60. That spans a small emergency cash need and a larger project, and the lender covers personal, payday and business borrowing: personal, payday and business. Approval depends on a fair credit record.

What does a Credius loan cost?+

The headline APR is 36.91% to 274.26%, steep beside a site median of 15.5%. On top of the interest sits a file analysis commission of 500 RON file analysis commission (representative example). Check the total repayable figure rather than the monthly instalment alone, since the commission adds to what you hand back.

How quickly do I get the money?+

About 5 minutes from approval, delivered directly to card. Same day funding is a listed feature, same day funding, and the lender is a direct lender, so you deal with the same company from application to payout and the money arrives on your card rather than through a broker.

Is my money protected at Credius?+

Credius lends rather than holds cash, so deposit protection does not cover a balance with them. It is registered with Banca Nationala a Romaniei on the General Register of non-bank financial institutions, RG-PJR-42-110277/01.08.2013, and on the Special Register, RG-PJR-42-110086/16.02.2018.

Who can apply for a Credius loan?+

Eligibility is for adults with Romanian citizenship and residence in Romania, a minimum job tenure, and pensioners who can present a pension slip. The credit bar sits at fair, so a thin credit file makes approval harder.

Can I repay a Credius loan early?+

Yes, early repayment is free, so clearing the balance ahead of schedule costs nothing extra and can cut the interest you would otherwise pay. Pair that with the card payout of About 5 minutes from approval, delivered directly to card and you hold both ends of the loan, the schedule and the timing.

How do I get help from Credius?+

Support runs on email, chat and phone, so email, chat, phone and a help centre all reach the same team. The lender has operated since 2013 as Credius IFN S.A., so a named legal entity stands behind the loan and the terms you sign.

Sources

  • credius.ro checked September 26, 2026

    Backs: Eligibility, Use cases

  • credius.ro/credite-cu-buletinul checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Arrangement fee, Representative example, Term

    “Suma finantata: minimum 1,850 lei, maxim 100,000 lei”

  • credius.ro/cum-poti-rambursa-ratele checked September 26, 2026

    Backs: Free early repayment

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

    Backs: Lender type, Loan types

    “Credius se situeaza in top 5 companii financiare nebancare din Romania, oferind credite pentru persoane fizice in online”

  • credius.ro/tehnologia-credius checked September 26, 2026

    Backs: Features, Funding time

    “Banii in 5 minute, 24/24! ... 3. Banii imediat, Direct pe card”

  • credius.ro/termeni-si-conditii checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Support channels, Licences

    “inregistrata in Registrul General al BNR sub nr. RG-PJR-42-110277/01.08.2013”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Credius

Quick personal loans for Romanian residents who need money in a hurry.

9.0/10See alternatives