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

Mai Mai Credit 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

MaiMai Credit suits Romanian residents who need a short-term personal loan or credit line and value rapid funding. Amounts run RON 500 to RON 10,000 with a fixed rate, and early repayment is free, but the APR of 977.87% to 2,255.63% and the retained file analysis commission make affordability the main concern.

Key facts

Best for
Short-term borrowing for Romanian residents who want same-day card funding and free early repayment.
APR
977.87% to 2,255.63%↗
Loan amount
RON 500 to RON 10,000↗
Term
3 to 4 months↗
Arrangement fee
50 RON file analysis commission (comision analiza dosar), retained from the amount granted↗
Credit check
Hard↗
Funding time
Money on the registered card within a maximum of 15 minutes, instantly after signing the contract↗
Representative example
Creditul Pentru Urgente credit line of 1,800 lei repaid in 3 months, fixed rate 1.00%/day, DAE 2,326.26%, total payable 3,388.82 lei; DAE range 977.87% - 2,255.63%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Individuals resident in Romania with a stable income registered at ANAF of at least 1000 RON per month, valid ID, mobile phone with camera↗
Loan types
Personal, Credit-line↗
Credit needed
Poor↗
Legal entity
MaiMaiCredit I.F.N. S.A.↗
Headquarters
Romania↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
maimaicredit.ro

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
WikidataWikipediag.page

Pros and cons

Pros

  • Borrowing is available either as a personal loan or as a revolving credit line under personal and credit line, from the same direct lender.
  • Money can reach the registered card instantly after the contract is signed, within a maximum wait of a few minutes.
  • Early repayment is free, so a borrower who clears the balance sooner pays less interest and no extra charge.
  • Borrowing is at a fixed rate over a term of 3 to 4, which is short by market standards.

Cons

  • The APR of 977.87% to 2,255.63% sits well above the personal-loan benchmark in the comparison, 14.43%.
  • A file analysis commission is retained from the amount granted, so less reaches your card than requested.
  • A hard credit check runs on the application and the stated credit requirement is poor.
Mai Mai Credit

Ready to try Mai Mai Credit?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Romanian residents with a stable income registered at ANAF, valid ID and a mobile phone with a camera.
  • Borrowers who need a personal loan or credit line paid to their registered card the same day they sign.
  • Borrowers who may repay early without an additional charge and want a fixed rate over a short term.

Who should look elsewhere

  • Cashspace is worth a look for readers who care more about a lower listed APR of PHP 12 to PHP 36.
  • Sofkredit suits readers who want a listed APR of 10.74% to 18.06% and a longer term.
  • Creduma ES is a better fit for borrowing needs that start at from €12,000, well beyond the RON 500 to RON 10,000 offered here.

Safety of your money

MaiMai Credit is a direct lender, so the contract sits with the named provider rather than an intermediary. Its representative example shows how a fixed daily rate and the retained file analysis commission lift the total payable on a credit line. It is listed with the National Bank of Romania's Registrul Special IFN under RS-PJR-41-110144/07.02.2023.

How Mai Mai Credit compares

Where Mai Mai Credit is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (National Bank of Romania), Registrul Special IFN (RS-PJR-41-110144/07.02.2023), checked September 26, 2026

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

Frequently asked questions

What can I borrow, and for how long?+

MaiMai Credit offers a personal loan and a credit line, with amounts of RON 500 to RON 10,000. The rate is fixed and the term is 3 to 4, so this is short-term borrowing rather than a long personal loan. Both products sit with the same lender.

How quickly would the money arrive?+

Funding goes to the registered card instantly after the contract is signed, within a maximum wait of a few minutes. Same-day funding and the credit line are both listed under same day funding and credit line, which is useful when a bill is due the same day.

What does the borrowing cost in total?+

The APR is 977.87% to 2,255.63%, and a file analysis commission is retained from the amount granted, so the credited sum is lower than requested. The representative example shows how a fixed daily rate and that commission lift the total payable.

Can I repay early without a penalty?+

Yes, early repayment is free, which means a borrower who settles sooner does not pay the remaining interest. The rate stays fixed for the agreed term, and support is available through email, phone and help centre if the balance needs checking.

How is the lender regulated?+

The lender, MaiMaiCredit I.F.N. S.A., is listed in the National Bank of Romania's Registrul Special IFN under RS-PJR-41-110144/07.02.2023. It lends directly rather than acting as a broker, so the borrower deals with the named provider on the contract, the rate and repayment.

What support is available?+

Support runs through email, phone and help centre, so email, phone and a help centre are available for questions about the file, the contract or repayment. A borrower who wants the retained commission explained can ask before signing.

Is this available outside Romania?+

Applications are for individuals resident in Romania, and the lender operates from RO, so this is a domestic Romanian product. Readers elsewhere should compare their own market, where Cashspace or Sofkredit may be more relevant.

Sources

  • maimaicredit.ro checked September 26, 2026

    Backs: Loan amount, Credit needed, Features, Headquarters, Legal entity, Lender type, Loan types, Pricing model

    “Adresa: Bd. Dimitrie Pompeiu Nr.9-9A, Iride Business Park, Cladirea 24, Etaj 5, Sector 2, Bucuresti”

  • maimaicredit.ro/creditul-pentru-urgente checked September 26, 2026

    Backs: APR, Funding time, Representative example, Term

    “Primesti banii pe card in maxim 15 minute.”

  • maimaicredit.ro/despre-maimai-credit checked September 26, 2026

    Backs: Licences

  • maimaicredit.ro/intrebari-frecvente checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment, Arrangement fee, Rate type, Support channels

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

Mai Mai Credit

Mai Mai Credit

Short-term borrowing for Romanian residents who want same-day card funding and free early repayment.

9.0/10See alternatives