SafeCredit - Linie de credit

CREDIT ONLINE IFN S.A.

About this app

Do you need money urgently? Get an online credit line from SafeCredit

► What is a SafeCredit credit line?

SafeCredit works as a financial reserve available directly on your card - up to 10,000 lei, with a usage period of up to 36 months. After the limit is approved, you can withdraw money whenever you need it, in the desired amount and as many times as necessary, paying interest only for the amount actually used.

► How do you get a credit line from SafeCredit?

1. Install the SafeCredit mobile application on your smartphone;
2. Complete the registration and provide the requested information;
3. Choose the desired limit and the validity period of the credit line;
4. Confirm the application and wait for the approval decision;
5. Consult the contractual terms and sign electronically in the application;
6. Request the desired amount within the approved limit and receive the money on the card in about 5 minutes.

► Credit line for individuals - eligibility conditions

The credit line service for individuals is available to Romanian citizens aged between 19 and 80. Proof of a minimum monthly income of 1,000 lei is required. To install the application and contract the service, the following are required:

• valid identity document;
• mobile phone;
• e-mail address;
• active bank card in lei, issued by a banking institution in Romania.

► Representative example

For a credit worth 1,000 lei, granted over a period of 12 months, with repayment in 12 equal monthly installments, the amount being made available in full to the client on the date of signing the contract, the financial conditions are as follows:

• credit amount (principal): 1,000 lei;
• credit period: 12 months;
• nominal annual interest rate: 237.25%;
• total amount to be reimbursed: 2,000 lei;
• monthly installment: 223.34 lei.

Important information on costs

The total cost of the loan will not exceed the value of the principal granted, in accordance with the applicable legal ceilings on lending costs. Therefore, regardless of the level of the nominal annual interest rate, the total amount to be reimbursed will not exceed twice the value of the principal borrowed.

• Maximum annual interest: 775.57%.
• Minimum and maximum repayment period: 36 months.
• Privacy policy: https://safecredit.ro/politica-de-confidențialitate/
• Terms and conditions: https://safecredit.ro/termeni-si-conditii/

► About the company

The credit line is granted by Credit Online IFN S.A., under the SafeCredit brand.
Credit Online IFN S.A. is registered with the Trade Register at the Bucharest Court under no. J2023020018406, CUI 48996800, registered in the General Register of the National Bank of Romania under no. RG-PJR-41-110409/28.06.2024 and in the Special Register of the National Bank of Romania under no. RS-PJR41-110168/04.11.2024.