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GinCredit 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

GinCredit lends directly in the Republic of Moldova and pays out in Money within 15 minutes, which suits anyone facing an urgent bill. The cost is steep, so the speed is bought rather than given, and free early repayment is not offered to soften the term.

Key facts

Best for
Same day personal and business loans in Moldova, paid out in minutes.
APR
98.05% to 102.01%↗
Loan amount
MDL 5,000 to MDL 60,000↗
Term
6 to 60 months↗
Arrangement fee
1.2% of the amount disbursed (monitoring commission)↗
Credit check
Hard↗
Funding time
Money within 15 minutes↗
Representative example
Personal needs loan 15,000 MDL over 12 months: monthly payment 1,794 MDL, total to repay 21,550 MDL, DAE 102.01%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Minimum age 18; loans granted only to citizens of the Republic of Moldova holding a valid identity document↗
Origination fee (%)
1.2%↗
Loan types
Personal, Business↗
Legal entity
OCN AXIOMA CREDIT SRL (IDNO 1014600016225)↗
Headquarters
Moldova↗
Support channels
Phone, Email↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
gincredit.md

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Rates are fixed, so the monthly payment holds steady across terms of 6 to 60.
  • Money lands in Money within 15 minutes, and same day funding is the headline feature.
  • A direct lender, so OCN AXIOMA CREDIT SRL (IDNO 1014600016225) is the firm on your contract rather than a broker.

Cons

  • Annual rates of 98.05% to 102.01% sit far above the 14.7% recorded across these listings, with a monitoring commission of 1.2% of the amount disbursed (monitoring commission) on the amount disbursed.
  • Free early repayment is not offered, so clearing the balance ahead of schedule does not cut the agreed cost.
  • Support runs on phone and email only.
GinCredit

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Borrowers in the Republic of Moldova who need MDL 5,000 to MDL 60,000 the same day for a bill or an urgent repair.
  • Anyone whose file can pass a hard credit check and who can carry 98.05% to 102.01% comfortably.

Who should look elsewhere

  • Readers who want rates near PHP 12 to PHP 36 at Cashspace or 10.74% to 18.06% at Sofkredit.
  • Borrowers who plan to clear the balance early, since free early repayment is not offered here.
  • Anyone needing sums above MDL 5,000 to MDL 60,000 or lending outside the Republic of Moldova.

Deposit protection

GinCredit is a direct lender, so the firm on your contract is the lender itself rather than a middleman. It is authorised in Moldova by the financial regulator CNPF under Hotararea CNPF nr.011 din 14.01.2019. Because you are borrowing, the licence is the check that matters, not a deposit guarantee. The representative example shows how much more you repay than you borrow.

The company behind it

The lender behind GinCredit is OCN AXIOMA CREDIT SRL (IDNO 1014600016225), based in Moldova. Its authorisation sits with the Moldovan regulator CNPF under Hotararea CNPF nr.011 din 14.01.2019. Contact runs on phone and email, so both an application and an existing loan go by phone and email. The named entity on your contract is the one to check if anything changes.

How GinCredit compares

Where GinCredit is available

Available
Moldova
Licence in Moldova
Banca Nationala a Moldovei (National Bank of Moldova), checked September 26, 2026
Licence in Moldova
Comisia Nationala a Pietii Financiare (CNPF) (Hotararea CNPF nr.011 din 14.01.2019), checked September 26, 2026

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

Frequently asked questions

What rate will I pay on a GinCredit loan?+

GinCredit quotes annual rates of 98.05% to 102.01%, and the rate is fixed, so the cost does not drift once you sign. That sits far above the 14.7% recorded across the borrowing listings. The representative example shows a personal needs loan repaying noticeably more in total than the amount borrowed.

What fees are charged on top of the interest?+

A monitoring commission of 1.2% of the amount disbursed (monitoring commission) is taken on the amount disbursed, the same as 1.2% of the loan. Beyond that commission, the free early repayment route is not offered, so settling the balance ahead of schedule does not remove the cost you agreed.

How much can I borrow, and over what term?+

Loans run to MDL 5,000 to MDL 60,000 for personal and business needs, with terms of 6 to 60. The sum you receive is what the monitoring commission is charged on, so the fee scales with the loan rather than sitting at a fixed amount. Longer terms spread the same balance over more months.

How fast is the money, and can I repay early?+

Money reaches you within Money within 15 minutes, which is the same day the loan is granted. Free early repayment is not offered, so anyone planning to settle the loan as soon as income arrives should weigh the full term cost before applying.

Is GinCredit regulated?+

The lender is authorised in Moldova by the financial regulator CNPF under Hotararea CNPF nr.011 din 14.01.2019, and GinCredit is a direct lender rather than a middleman. The legal entity on the contract is OCN AXIOMA CREDIT SRL (IDNO 1014600016225). Checking that authorisation before you sign is the quickest way to confirm the lender is real.

Who can apply, and what credit check runs?+

Every application runs a hard credit check, so a thin file is judged on record. Loans go only to citizens of the Republic of Moldova holding a valid identity document, and a minimum age applies. The same hard check appears on 76.1% of the listings in this category, so it is not an outlier.

How do I reach GinCredit about an existing loan?+

Support runs on phone and email, so questions about a live loan, a payment or the monitoring commission go by phone or email. Keep your own copy of what you agree, since the same narrow channel then carries any complaint. Fees and the 1.2% of the amount disbursed (monitoring commission) charge are worth checking against what you were told.

Sources

  • gincredit.md checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Credit calculator: 5.000 min: 5.000 mdl max: 60.000 mdl”

  • gincredit.md/informatii-precontractuale checked September 26, 2026

    Backs: Free early repayment, Lender type

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

    Backs: Credit check, Headquarters, Legal entity, Support channels, Licences

    “Sediul: Republica Moldova, mun. Chisinau, str. Calea Iesilor 10B, MD-2069”

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

GinCredit

GinCredit

Same day personal and business loans in Moldova, paid out in minutes.

8.9/10See alternatives