CreditFix review

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

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Our verdict

CreditFix suits Romanian borrowers with poor credit and proven income who need a small sum quickly. The cost is the trade-off: the APR of 675.04% to 3,678.34% sits far above most personal loans on our site, so it fits short gaps rather than larger borrowing.

Key facts

Best for
A small short term cash gap for a Romanian borrower with poor credit and a salary or pension paid into a bank account.
APR
675.04% to 3,678.34% (Source, checked September 26, 2026)
Loan amount
RON 100 to RON 10,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Arrangement fee
0 RON (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
30-60 minutes on working days, most often same day (Source, checked September 26, 2026)
Representative example
500 lei drawn and repaid within 62 days: APR (DAE) 1,628.08%, total interest 305 lei, single repayment 805 lei (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Romanian citizenship or right of residence, age 18-75, proven monthly income (salary, pension, self-employment) of at least 1,000 lei paid into a bank account with card, personal mobile and email (Source, checked September 26, 2026)
Loan types
Cash-advance, Credit-line (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
CREDIT FIX IFN S.A. (Source, checked September 26, 2026)
Headquarters
Romania (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
creditfix.ro

Apps and profiles

Elsewhere
facebook.comyoutube.com

Pros and cons

Pros

  • Draws from RON 100 to RON 10,000 as a cash advance or a revolving credit line
  • The credit line carries an origin fee of 0 RON
  • Money arrives in 30-60 minutes on working days, most often same day
  • Free early repayment

Cons

  • The credit check is hard, so a decline stays on the record for other lenders
  • The APR of 675.04% to 3,678.34% on a variable rate leaves room for the cost to rise
  • Eligibility requires proven income from a salary, pension or self employment, paid into a bank account with a card
CreditFix

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Romanian citizens or residents with poor credit and a salary, pension or self employment income
  • Borrowers who want a revolving credit line rather than a new loan for each need
  • Anyone who can clear a hard credit check and repay within the agreed term

Who should look elsewhere

  • Borrowers wanting a large, long personal loan, as RON 100 to RON 10,000 caps the balance
  • Anyone without a card on a Romanian bank account, which the eligibility rules require
  • Readers looking for a fixed rate, since the credit line runs on a variable rate type

How it compares on our data

On our data CreditFix ranks 647 of 685 brands for loan amount, and 57 of 232 for term. The amount ranking reflects a cap of RON 100 to RON 10,000, well below the size of a typical personal loan, while the term ranking is stronger given terms running to 60 months. Most of the market offers larger balances with similar maximum terms.

How your money is protected

CreditFix is a direct lender rather than a broker, so the money comes from CREDIT FIX IFN S.A. and one company decides. It is supervised in Romania by Banca Nationala a Romaniei, the National Bank of Romania, under licence RS-PJR-41-110084/16.02.2018. The representative example shows a short draw repaid in a short window, with interest making up much of the single repayment.

How CreditFix compares

Where CreditFix is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (National Bank of Romania) (RS-PJR-41-110084/16.02.2018), checked September 26, 2026

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

Frequently asked questions

What does CreditFix cost to borrow?+

The credit line carries an origin fee of 0 RON and a variable rate type. The published APR on the quick loan runs 675.04% to 3,678.34%, which is well above most personal loans on our site, so a longer repayment pushes the interest up quickly.

How much can I borrow from CreditFix?+

Amounts run RON 100 to RON 10,000 for both the cash advance and the revolving credit line, so the balance is sized for short term needs rather than major purchases. Anything larger needs another provider.

How fast do I get the money?+

Funding takes 30-60 minutes on working days, most often same day, so an application early in the working day can still reach the account the same day. The same day feature is one of the reasons borrowers here look past slower lenders.

What credit check does CreditFix run?+

The check is a hard one, which means an application that fails is visible to other lenders. Applicants should be comfortable with that before applying, and it suits a thin credit file better than a strong one.

What do I need to qualify?+

Applicants on poor credit are the target: Romanian citizenship or a right of residence, a minimum age, and proven monthly income from a salary, pension or self employment. That income must be paid into a bank account with a card, and you need a personal mobile and email.

Is CreditFix regulated?+

Yes. It is supervised in Romania by Banca Nationala a Romaniei, the National Bank of Romania, under licence RS-PJR-41-110084/16.02.2018, and it lends as CREDIT FIX IFN S.A. rather than passing your application to a third party.

Can I repay early without a charge?+

Free early repayment applies, so clearing the balance ahead of schedule carries no penalty. That makes a short draw worth settling as soon as the money allows, given the APR of 675.04% to 3,678.34%.

Can I get a credit line or only a one off loan?+

Both. The credit line can be drawn and repaid repeatedly, while the cash advance is a single repayment product, and terms run to 60 months. The representative example shows a short draw settled in a short window, where interest forms much of the one repayment.

Sources

  • creditfix.ro checked September 26, 2026

    Backs: Credit check, Features, Support channels

    “We verify your identity in the mobile app. You upload a photo of your ID and a bank statement, and we initiate a card payment”

  • creditfix.ro/credit-online checked September 26, 2026

    Backs: Credit needed, Eligibility, Arrangement fee, Rate type, Representative example

    “Can I get a loan if I am reported to the Credit Bureau? Yes, your negative history is not an insurmountable obstacle; we analyse each application individually”

  • creditfix.ro/credit-rapid checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Funding time, Lender type, Loan types, Term

    “Financed amount: minimum 100 lei - maximum 10,000 lei (credit rapid / credit line)”

  • creditfix.ro/despre-noi checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Licences

    “2015 - the year the first loan was granted; we launched CreditFix and issued the first online loans”

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

CreditFix

CreditFix

A small short term cash gap for a Romanian borrower with poor credit and a salary or pension paid into a bank account.

8.8/10See alternatives

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