credite.md review

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

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Our verdict

credite.md is a Moldovan broker for borrowers who need money in hand today rather than the cheapest rate on the table. Borrowings run to MDL 1,000 to MDL 150,000 over terms of 3 to 36 with same-day funding, and eligibility rests on a Moldovan ID and income that covers the instalments.

Key facts

Best for
Moldovan adults who need money the same day and can absorb the rate.
APR
up to 694.87% (Source, checked September 26, 2026)
Loan amount
MDL 1,000 to MDL 150,000 (Source, checked September 26, 2026)
Term
3 to 36 months (Source, checked September 26, 2026)
Arrangement fee
900 lei commission on a 5,000 lei, 12-month loan (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Seconds via MIA instant payment transfer, a few hours by ordinary bank transfer, or cash at terminals and post offices (Source, checked September 26, 2026)
Representative example
Online consumer loan of 5,000 lei over 12 months, 596 lei per month, DAE 207.24%, commission 900 lei, total cost 2,152 lei, total payable 7,152 lei (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Minimum age 18, valid Moldovan ID (buletin) and IDNP, active phone number, sufficient monthly income to cover instalments (Source, checked September 26, 2026)
Origination fee (%)
18% (Source, checked September 26, 2026)
Loan types
Personal, Secured (Source, checked September 26, 2026)
Legal entity
ElShop S.R.L. (IDNO 1020600017410) (Source, checked September 26, 2026)
Headquarters
Moldova (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
credite.md

Pros and cons

Pros

  • Speed: same day funding is on offer, with seconds through an instant MIA transfer or a few hours by ordinary bank transfer.
  • Range: amounts of MDL 1,000 to MDL 150,000 over terms of 3 to 36, with personal and secured loans arranged in the same place.
  • Access: cash can be collected at terminals and post offices, so a bank transfer is not the only route.
  • Help is available on phone, email and help centre.

Cons

  • Cost: up to 694.87% sits far above the 12% median for personal loans across the site.
  • Fees: a commission of 18% is charged on the loan, and free early repayment is no, so settling early carries a charge.
  • The credit check is hard, so an application can leave a mark on your file.

Ready to try credite.md?

Scored 8.4 / 10 by BorrowCue.

See alternatives

Who it suits

  • Moldovan borrowers who need cash today, collecting it at terminals or post offices if a bank transfer will not do.
  • Adults with a Moldovan ID and IDNP whose monthly income comfortably covers the instalments.
  • People weighing a personal loan against a secured loan, since credite.md covers both.

Who should look elsewhere

  • Monzo Flex, for readers who care most about the rate, since it lists 10% to 23% where credite.md lists up to 694.87%.
  • Cashspace, listed at PHP 12 to PHP 36, for people who want a rate comparison outside the Moldovan market first.
  • Cashspace ES, listed at 0%, for anyone who would rather pay no interest and can borrow in that market.

Safety and regulation

credite.md is a broker, so the offer comes from a partner lender and the contract is with that lender rather than with the site. The worked example it publishes adds a commission on top of the interest, so the total cost sits well clear of the amount borrowed. Read the lender's own terms before you accept.

Who runs it

The site is run by ElShop S.R.L. (IDNO 1020600017410) and sits in Moldova. Support runs on phone, email and help centre, so a question can go to a person by phone, by email or through the help centre. The operator covers the application from the first enquiry to the money arriving.

How credite.md compares

Where credite.md is available

Available
Moldova

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

Frequently asked questions

How much can I borrow, and over what term?+

Borrowing runs MDL 1,000 to MDL 150,000 across terms of 3 to 36, and credite.md arranges both personal and secured loans. The shortest schedule suits a bill you clear quickly, while the longest sits below the 60 term typical of secured lending on the site.

What will a loan actually cost?+

The listed rate is up to 694.87%, and a commission of 900 lei commission on a 5,000 lei, 12-month loan sits on the representative example alongside the interest, so the charge and the borrowing cost together far exceed what is lent. The 12% median for personal loans across the site is a yardstick.

Is there an origination fee on top?+

The online consumer loan example carries a commission of 900 lei commission on a 5,000 lei, 12-month loan, and the site also gives a percentage figure of 18%. Ask the lender for the full cost in writing, because the commission sits on top of the interest.

How quickly is the money sent?+

Same-day funding is offered, and the routes are seconds through an MIA instant payment transfer, a few hours by ordinary bank transfer, or cash collected at terminals and post offices. A hard credit check, marked hard, runs before any of them.

Can I repay the loan early without a charge?+

Free early repayment is no, so a fee applies if you settle the balance before the schedule ends. Factor that into the decision, because a commission of 18% is charged on the loan regardless of how fast you clear the balance.

Who runs the site and how do I reach them?+

The site is run by ElShop S.R.L. (IDNO 1020600017410), based in Moldova, and works as a broker rather than a lender. Support runs on phone, email and help centre, so a question can go to a person by phone, by email or through the help centre.

Sources

  • credite.md checked September 26, 2026

    Backs: Loan amount, APR, Headquarters, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example, Term

    “Suma minimă: 1 000 lei; Suma maximă: 150 000 lei”

  • credite.md/contacte checked September 26, 2026

    Backs: Support channels

    “Tel: 022 858 553; E-mail: info@credite.md”

  • credite.md/intrebari-frecvente checked September 26, 2026

    Backs: Credit check, Eligibility, Features, Free early repayment, Funding time

    “De regula solicitantul primeste banii in cateva secunde”

  • credite.md/termeni-conditii checked September 26, 2026

    Backs: Legal entity

    “Compania "ElShop" S.R.L. IDNO 1020600017410 cu sediul in mun. Chisinau, str. Nicolae Titulescu 1”

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

credite.md

Moldovan adults who need money the same day and can absorb the rate.

8.4/10See alternatives

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