CreditPrime review

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

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Our verdict

CreditPrime suits Romanian residents who want a personal loan, a revolving credit line or student borrowing arranged with no fee at all. Money lands within a few hours after approval after approval and early repayment costs nothing, though pricing is variable and lending stays in Romania.

Key facts

Best for
Romanian adults who want a fee-free personal loan or revolving credit line.
Loan amount
RON 400 to RON 15,000 (Source, checked September 26, 2026)
Term
up to 24 months (Source, checked September 26, 2026)
Arrangement fee
0 lei (Source, checked September 26, 2026)
Funding time
within a few hours after approval (Source, checked September 26, 2026)
Representative example
Credit line: 0.6% daily interest, 24-month contract, DAE 0% (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 citizen, age 20-70, residence in Romania, monthly income over 1000 lei, bank account in Romania, valid phone and email (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Student (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
ECOFINANCE IFN S.A. (Source, checked September 26, 2026)
Headquarters
Romania (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Credit line, Same-day funding
Official website
creditprime.ro

Apps and profiles

Elsewhere
youtube.comtiktok.com

Pros and cons

Pros

  • Funds land within a few hours after approval after approval
  • Repaying the balance early is free of charge
  • Support runs on email, phone and help centre for questions
  • A revolving credit line sits in the listed features, credit line and same day funding

Cons

  • Pricing is variable, so the rate can move during the term
  • Terms stop at up to 24, well under the site median of 36
  • Borrowing caps at RON 400 to RON 15,000, which limits what it can fund
CreditPrime

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Romanian citizens living in Romania with a Romanian bank account
  • Borrowers wanting a revolving line beside a personal or student loan
  • Anyone happy to clear the balance early without an early repayment charge

Who should look elsewhere

  • Monzo Flex, for a larger sterling facility outside Romania
  • Cashspace, for peso lending in a different market
  • Cashspace ES, for euro borrowing rather than local currency

Safety and regulation

CreditPrime lends directly rather than acting as a broker, direct lender. It is listed in the National Bank of Romania general register as RG-PJR-41-110328/11.10.2017 and in the special register as RS-PJR-41-110087/16.02.2018. Data handling is registered with ANSPDCP as 38445 si 38687. The published example is Credit line: 0.6% daily interest, 24-month contract, DAE 0%.

How CreditPrime compares

Where CreditPrime is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (National Bank of Romania) - Registrul General (RG-PJR-41-110328/11.10.2017), checked September 26, 2026
Licence in Romania
Banca Nationala a Romaniei (National Bank of Romania) - Registrul Special (RS-PJR-41-110087/16.02.2018), checked September 26, 2026
Licence in Romania
ANSPDCP (personal data processing register) (38445 si 38687), checked September 26, 2026

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

Frequently asked questions

How much can I borrow?+

CreditPrime lends RON 400 to RON 15,000 in total, and the amount you receive depends on the product and the lender's assessment. Personal loans, a revolving credit line and student lending all sit under that cap, so larger purchases need funding from somewhere else.

What does it cost to arrange a loan?+

The arrangement fee is 0 lei on the products it offers, so the headline price is the interest. Pricing is variable, which means the rate can move during the contract. The published example is Credit line: 0.6% daily interest, 24-month contract, DAE 0%.

How fast is the money paid out?+

Funding is within a few hours after approval, so an approved application can land without a long wait. Support runs on email, phone and help centre, which is where you can check the status of a transfer or ask why a payout has not appeared.

What kinds of loan can I take?+

The range covers personal, credit line and student, with a revolving credit line set beside personal and student loans. Home improvement is a stated use for the money. The listed features are credit line and same day funding, which is what sets a credit line apart from a loan drawn once.

Is CreditPrime regulated?+

It lends directly, direct lender, and appears in the National Bank of Romania general register as RG-PJR-41-110328/11.10.2017 and in the special register as RS-PJR-41-110087/16.02.2018. Data handling is registered with ANSPDCP as 38445 si 38687, and the entity lending is ECOFINANCE IFN S.A..

What credit history do I need?+

The stated requirement is fair credit, which is a middling file rather than an excellent one. Applicants also need to be Romanian citizens living in Romania, hold a Romanian bank account, meet a minimum monthly income and a minimum age, and have a valid phone and email.

Can I repay the loan early?+

Free early repayment is available, so clearing the balance ahead of the agreed schedule carries no charge at all from the lender. Terms run to up to 24, and the entity lending the money is ECOFINANCE IFN S.A..

Does CreditPrime lend outside Romania?+

Lending is limited to Romanian citizens who live in Romania and keep a Romanian bank account, and the lender is based in Romania. Borrowers in other markets need a provider that lends where they actually live, which narrows the choice considerably.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check.

CreditPrime

CreditPrime

Romanian adults who want a fee-free personal loan or revolving credit line.

8.9/10See alternatives

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