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HoraCredit 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

HoraCredit suits Romanian adults who need a small sum today and can clear the balance quickly. Early repayment costs nothing, and Money on card in about 30 minutes is fast, but 35% to 3,260% is steep and the 1 to 3.3 window leaves little room to spread the cost over several months.

Key facts

Best for
A small short-term loan in Romania, drawn today and repaid early without a charge.
APR
35% to 3,260%↗
Loan amount
RON 100 to RON 5,000↗
Term
1 to 3.3 months↗
Credit check
Hard↗
Funding time
Money on card in about 30 minutes↗
Representative example
Loan of 5,000 RON at 0.08% interest: interest 4 RON per day, DAE 35% calculated over 70 days↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Minimum age 18, stable verifiable income, bank account opened at a bank in Romania, ID copy plus selfie with ID↗
Loan types
Personal, Payday, Credit-line↗
Legal entity
Hora Credit IFN S.A.↗
Headquarters
Romania↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
horacredit.ro

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Free early repayment, so clearing the balance early costs nothing extra
  • Money reaches the card the same day, matching the same day funding and credit line listing
  • A direct lender, so you deal with Hora Credit IFN S.A. rather than a broker
  • Support runs on phone, email and help centre for questions before and after a loan

Cons

  • 35% to 3,260% is steep, with the upper end far above the 27.8% across the site
  • Terms run 1 to 3.3, well short of the 60 seen across the site
  • Every application runs a hard credit check, which can leave a mark on the file
HoraCredit

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Romanian residents with a stable, verifiable income and a bank account held at a Romanian bank
  • Adults who can clear the balance inside 1 to 3.3 and settle early at no extra cost
  • People who need the money on a card the same day rather than through a bank transfer

Who should look elsewhere

  • Anyone who cannot pass a hard credit check
  • Borrowers who put cost ahead of speed, since Sofkredit lists 10.74% to 18.06% against 35% to 3,260% here
  • Borrowers after a larger sum, since Creduma ES starts at from €12,000

The company behind it

HoraCredit lends as Hora Credit IFN S.A., a company headquartered in Romania, and it does the lending itself rather than acting through a broker. It appears in the General Register of non-bank financial institutions kept by Banca Nationala a Romaniei, with register entry RG-PJR-41-110313/09.09.2023. Questions before or after signing go to the same team, and help is offered on phone, email and help centre.

How HoraCredit compares

Where HoraCredit is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (BNR), General Register of non-bank financial institutions (RG-PJR-41-110313/09.09.2023), checked September 26, 2026

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

Frequently asked questions

What does a HoraCredit loan cost?+

Interest is charged daily, and 35% to 3,260% is the figure to judge the offer by. The representative example shows interest accruing every day on the outstanding balance, so the total grows quickly if the loan is left running. Early repayment is free, which is the main way to keep the cost down.

How quickly do I get the money?+

Money on card in about 30 minutes is the stated timing, and same-day funding sits in the same day funding and credit line list. The money goes onto your card rather than into a bank account, so the card has to belong to the applicant, and the timing only holds once the application is approved.

What credit check does HoraCredit run?+

It is a hard credit check, so the file is searched in full before any offer is made. That is the strictest kind of check, and applying can leave a mark on a credit record, so it suits people already comfortable with what their file shows.

How much can I borrow and for how long?+

Loans run RON 100 to RON 5,000 and the term is 1 to 3.3, a short window next to the 60 reached by many lenders on the site. That makes it a stopgap rather than a way to spread a large cost, and the fixed rate means the daily interest figure holds steady while the loan runs.

Who can apply for a HoraCredit loan?+

Applicants need to be adults with a stable, verifiable income and a bank account opened at a bank in Romania. A copy of your ID and a selfie holding it are also required, and the application runs through Hora Credit IFN S.A. in Romania.

Is HoraCredit regulated?+

It appears in the General Register of non-bank financial institutions kept by Banca Nationala a Romaniei, under register entry RG-PJR-41-110313/09.09.2023. The lender is Hora Credit IFN S.A., headquartered in Romania, and it lends its own money rather than passing an application to a third party.

What kinds of loan can I take?+

The range is personal, payday and credit line, so you can take a personal loan, a payday style loan or draw against a credit line. Pricing is on a fixed basis, which means the daily interest rate does not move during the life of the loan, and free early repayment applies across the range.

Sources

  • horacredit.ro checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Funding time, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type, Representative example, Support channels, Term, Licences

    “Hora Credit IFN S.A. Splaiul Unirii, Nr. 16, Clădirea Muntenia ... Sector 4, București”

  • horacredit.ro/about-loan checked September 26, 2026

    Backs: Features, Free early repayment

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

HoraCredit

HoraCredit

A small short-term loan in Romania, drawn today and repaid early without a charge.

9.0/10Visit