Credit365.md review

Updated September 28, 2026 · BorrowCue 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.

Our verdict

Credit365.md is a Moldova direct lender aimed at borrowers with a poor credit record who need money the same day. Borrowing is quick and early repayment is free, but the cost is high: APR runs 34.52% to 99.78% and a monthly administration fee sits above the interest.

Key facts

Best for
Same-day money for Moldova residents with a poor credit record.
APR
34.52% to 99.78% (Source, checked September 26, 2026)
Loan amount
MDL 5,000 to MDL 200,000 (Source, checked September 26, 2026)
Term
3 to 24 months (Source, checked September 26, 2026)
Arrangement fee
0 MDL issuance fee; 1.1% monthly administration fee (110 MDL per month) on 5 000 - 40 000 lei loans (Source, checked September 26, 2026)
Funding time
Approval by SMS in about 15 minutes; cash within 5 minutes of signing, card within about 1 hour (urgent transfer, 50 MDL fee), standard card transfer same day in 6-18 hours (Source, checked September 26, 2026)
Representative example
Loan of 10 000 MDL over 12 months: total payable 14 219.61 MDL, cost of credit 4 219.61 MDL, fixed 50% p.a. plus 1.1% monthly admin fee, DAE 99.78% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Residents of the Republic of Moldova aged 18 or over, with valid ID, active phone, income documents and an active MDL bank card (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
O.C.N. "Aventus Finance" S.R.L. (fiscal code 1017600033652) (Source, checked September 26, 2026)
Headquarters
Moldova (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
credit365.md

Pros and cons

Pros

  • Designed for applicants with a poor credit record, with loans of MDL 5,000 to MDL 200,000.
  • Same-day funding, marked as same day funding, and cash can be collected shortly after signing.
  • Free early repayment, so an early payoff cuts the total cost.
  • An origination fee of 0% on personal and payday loans.

Cons

  • The high end of the 34.52% to 99.78% range sits far above a mainstream personal loan.
  • The fixed rate carries a monthly administration fee, and the representative example pushes the annual cost to the high end of 34.52% to 99.78%.
  • Lending is limited to a single market, with the lender based in Moldova.
Credit365.md

Ready to try Credit365.md?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • Moldovan residents at a minimum age who can show identification, income paperwork, a live phone line and an active MDL card.
  • Borrowers with a poor credit record who need a small personal or payday loan quickly.
  • Anyone who wants to close a fixed-rate personal and payday loan early at no extra cost.

Who should look elsewhere

  • Monzo Flex, where the listed APR is 10% to 23%.
  • Cashspace, where the listed APR runs PHP 12 to PHP 36.
  • Cashspace ES, which lists an APR of 0%.

Safety and regulation

The money comes straight from the lender rather than a broker, listed as a direct lender, so the borrowing contract sits with one company. The representative example pairs a fixed annual rate with a monthly administration fee, and the DAE it reports lands at the high end of the 34.52% to 99.78% range, so the effective cost matters more than the headline rate.

Who runs it

The lender is O.C.N. "Aventus Finance" S.R.L. (fiscal code 1017600033652), based in Moldova, so the agreement and any dispute stay inside one national legal system and one name on the paperwork. Contact runs on phone, email and help centre, which pairs phone and email with a help centre for questions at application and after signing.

How Credit365.md compares

Where Credit365.md is available

Available
Moldova

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

Frequently asked questions

What APR does Credit365.md charge?+

APR runs 34.52% to 99.78% across the personal and payday loans, which puts Credit365.md well above the cost of a mainstream personal loan. The rate is fixed, listed as a fixed rate with a fixed, so the interest does not move between payments. A monthly administration fee is added alongside the interest.

What fees will I pay on top of the interest?+

There is an origination fee of 0%, so no charge is added when the loan is issued. Beyond that, the arrangement fee states a monthly administration fee on the lower part of the amount range. A faster card transfer can also carry an extra charge, so check the quote before you sign.

How much can I borrow, and for how long?+

Loans run MDL 5,000 to MDL 200,000 for personal and payday purposes, with terms of 3 to 24. The monthly administration fee applies only to the smaller loans within that range, so a larger amount changes the fee profile. A fixed schedule keeps the instalment predictable for as long as the agreed term runs.

How fast is the money?+

Same-day funding is the headline feature, listed as same day funding. Approval arrives by SMS, cash can be collected shortly after signing, and a card transfer is sent the same day. A faster card transfer costs extra, so the quickest route is not the standard one.

Who can apply?+

Lending is confined to the Republic of Moldova, and only adults past a minimum age can borrow. Applicants also need proof of identity, a phone line that is still active, paperwork showing where the income comes from, and a functioning MDL payment card. Credit review is aimed at a poor history rather than a spotless one.

Can I repay the loan early?+

Free early repayment is offered, so clearing the balance before the agreed date costs nothing extra. That matters most here, because a monthly administration fee is charged for as long as the loan stays open, and closing early ends it sooner. The interest rate is fixed, listed as a fixed.

Who am I dealing with?+

The contract is with O.C.N. "Aventus Finance" S.R.L. (fiscal code 1017600033652), based in Moldova, and it is a direct lender, so the money comes from one named company rather than a broker passing your application on. Applicants deal with the same company through application, signing and repayment.

How do I get help?+

Support runs on phone, email and help centre: phone, email and a help centre. The direct lender setup means the same team handles the application and any later question, so there is no handoff to a third party. Questions about the monthly administration fee are worth raising before signing.

Sources

  • credit365.md checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Free early repayment, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “DAE : 99.78 % (loan of 5 000 - 40 000 lei, 3-24 months) ... DAE : 34.52 % (loan of 101 000 - 200 000 lei, 41-60 months)”

  • credit365.md/contacte checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “MD-2001, mun.Chișinău str. Lev Tolstoi, 27”

  • credit365.md/intrebari-si-raspunsuri checked September 26, 2026

    Backs: Features, Funding time

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

Not confirmed yet: Credit check.

Credit365.md

Credit365.md

Same-day money for Moldova residents with a poor credit record.

9.1/10See alternatives

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 policy
Cookie settings