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SafeCredit review

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

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Our verdict

SafeCredit suits Romanian borrowers who need small sums quickly and can clear them fast. It is a direct lender under the National Bank of Romania, lending RON 500 to RON 10,000 at 1,272.51% to 2,337.53% on fixed rates. The cost is high, so it only works for short-term needs, not longer borrowing.

Key facts

Best for
Romanian adults wanting a small fixed-rate loan or credit line paid out fast.
APR
1,272.51% to 2,337.53%↗
Loan amount
RON 500 to RON 10,000↗
Term
36 months↗
Credit check
Hard↗
Funding time
Money in your account in just a few minutes↗
Representative example
Loan of 1000 lei, DAE 2337.53%, total cost of credit max 1000 lei, total payable max 2000 lei, repaid in 12 equal monthly instalments↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Romanian citizens aged 19 to 80, minimum confirmed monthly income of 1000 lei, active RON bank card↗
Loan types
Credit-line, Personal↗
Legal entity
Credit Online IFN SA↗
Headquarters
Romania↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Credit line, Same-day funding
Official website
safecredit.ro

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediafacebook.com

Pros and cons

Pros

  • Fixed-rate loans, so payments stay the same over the term
  • A credit line and same-day funding, with Money in your account in just a few minutes
  • Free early repayment, so settling early costs nothing
  • Lending of RON 500 to RON 10,000 in lei from a licensed direct lender

Cons

  • The rate of 1,272.51% to 2,337.53% is far above the site median of 14.43%
  • A hard credit check runs on every application, based on hard
  • Term is capped at 36, so large bills must be repaid quickly
SafeCredit

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Romanian citizens with confirmed monthly income and an active bank card
  • Adults who can clear the balance early at no cost
  • Borrowers who need the money the same day rather than in days

Who should look elsewhere

  • Anyone wanting to borrow a large sum over a longer term
  • Borrowers who would be turned down by a hard credit check
  • Readers shopping for a cheap loan and comparing 10.74% to 18.06% instead

The company behind it

SafeCredit runs as Credit Online IFN SA, a direct lender based in Romania. It is registered with the National Bank of Romania under licence RS-PJR-41-110168/04.11.2024, so the firm sits inside the Romanian supervisory system. Support runs through phone, email and help centre, giving borrowers a phone line, email and a help centre for questions on an active loan or credit line.

How SafeCredit compares

Where SafeCredit is available

Available
Romania
Licence in Romania
National Bank of Romania (Banca Nationala a Romaniei) (RS-PJR-41-110168/04.11.2024), checked September 26, 2026

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

Frequently asked questions

What rate does SafeCredit charge?+

The stated rate runs 1,272.51% to 2,337.53%. That is the cost of borrowing here, and it sits well above the 14.43% typical across the personal loans on the site. Cheap credit is not the reason to pick this lender.

How much can I borrow and over what term?+

Loan amounts cover RON 500 to RON 10,000, and the term runs up to 36. The smaller end suits a short bill, while the larger end still has to clear fast. Payments sit on a fixed rate, so they hold steady across the term.

Is SafeCredit regulated in Romania?+

Yes. The lender is registered with the National Bank of Romania under licence RS-PJR-41-110168/04.11.2024 and trades as Credit Online IFN SA, with its base in Romania. Applications are handled by the licensed firm itself rather than a broker.

What credit check is applied?+

A hard credit check is used, listed in the terms as hard. That is the tougher kind, since a declined application can leave a mark on your credit file. There is no soft pre-qualification step to test the odds first.

Can I repay early without a charge?+

Yes. Free early repayment is offered, so clearing all or part of the balance ahead of schedule carries no fee. That makes short-term borrowing cheaper here, as long as your income can take the instalments.

How quickly is the money sent?+

Funding is quick: Money in your account in just a few minutes on a loan, and same-day funding is listed among the features. You need an active bank card in your own name, which is part of the eligibility terms, to receive it.

What do I need to qualify?+

Eligibility covers adults who are Romanian citizens, within the stated age range, with a minimum confirmed monthly income and an active RON bank card. Meeting the income and card rules matters as much as your credit history.

Can I get help with an active loan?+

Support runs through phone, email and help centre, covering phone, email and a help centre. Any question about repayments on a loan or credit line can go through those channels, which suits borrowers who prefer to deal with the lender directly.

Sources

  • safecredit.ro checked September 26, 2026

    Backs: Loan amount, Eligibility, Lender type, Pricing model, Rate type, Support channels, Term, Licences

    “0,80% pe zi”

  • safecredit.ro/linie-rapida-de-credit checked September 26, 2026

    Backs: Features, Free early repayment, Funding time

    “Linia de credit este o solutie potrivita pentru a acoperi cheltuieli urgente ... Primesti banii in contul tau in doar cateva minute”

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

    Backs: APR, Credit check, Headquarters, Legal entity, Loan types, Representative example

    “cu sediul social in Romania, Municipiul Bucuresti, Sector 6, Soseaua Virtutii nr. 19D, etaj 1, cod postal 060782”

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

Not confirmed yet: Arrangement fee.

SafeCredit

SafeCredit

Romanian adults wanting a small fixed-rate loan or credit line paid out fast.

9.1/10See alternatives