Credius review

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

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Our verdict

Credius suits Romanian borrowers who need a straightforward personal loan and can wait for approval before the money lands. Loan amounts run RON 1,850 to RON 100,000 over 12 to 60, with rates at 36.91% to 274.26% on file-analysis lending.

Key facts

Best for
Romanian adults with a job or a pension who want a personal loan approved quickly and paid straight to their card.
APR
36.91% to 274.26% (Source, checked September 26, 2026)
Loan amount
RON 1,850 to RON 100,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Arrangement fee
500 RON file analysis commission (representative example) (Source, checked September 26, 2026)
Funding time
About 5 minutes from approval, delivered directly to card (Source, checked September 26, 2026)
Representative example
Credit cu buletinul: 5,000 lei over 24 months at 45%/year, 0% monthly administration commission plus 500 lei file analysis commission, 319.59 lei monthly, DAE 75.39%, total payable 8,170.16 lei (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Minimum 18 years old, Romanian citizenship and residence in Romania, at least 1 month job tenure, pensioners present pension slip (Source, checked September 26, 2026)
Loan types
Personal, Payday, Business (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Credius IFN S.A. (Source, checked September 26, 2026)
Headquarters
Romania (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
credius.ro

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Free early repayment means you can clear the balance early without an exit charge from the lender.
  • Funding is About 5 minutes from approval, delivered directly to card and the same-day-funding feature is listed, so approved borrowers are not left waiting on transfers.
  • Support runs through email, chat and phone, giving borrowers a phone line and a help centre as well as email and chat.
  • A direct lender rather than a broker, so you deal with Credius IFN S.A. on the loan itself.

Cons

  • Rates of 36.91% to 274.26% are steep for a personal loan, sitting well above the site median of 12%.
  • The fee to watch is 500 RON file analysis commission (representative example), charged on the representative example on top of the borrowing rate.
  • Applications ask for Romanian citizenship and residence, a minimum age, and a job tenure or a pension slip, which narrows who can qualify.

Ready to try Credius?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Romanian residents with stable income or a pension who need a personal, payday or business loan.
  • Borrowers who want to clear the balance early without paying an exit charge for doing so.
  • Anyone who values a quick payout after approval more than a low rate.

Who should look elsewhere

  • Anyone living outside Romania, since eligibility asks for Romanian citizenship and residence in the country.
  • Borrowers with thin files who want a low rate, given fair credit and rates at 36.91% to 274.26%.
  • People who want a long repayment period spread thin, since terms run 12 to 60 at 36.91% to 274.26%.

How Credius compares

Where Credius is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (BNR), General Register of non-bank financial institutions (RG-PJR-42-110277/01.08.2013), checked September 26, 2026
Licence in Romania
Banca Nationala a Romaniei (BNR), Special Register of non-bank financial institutions (RG-PJR-42-110086/16.02.2018), checked September 26, 2026

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

Frequently asked questions

What does Credius cost to borrow?+

Rates run 36.91% to 274.26% on file-analysis lending, and amounts run RON 1,850 to RON 100,000. The representative example carries a file analysis commission of 500 RON file analysis commission (representative example), so the up-front fee matters as much as the rate.

How long does a Credius loan take to repay?+

Terms run 12 to 60, a narrower spread than many personal loans offer. The lender serves a single market, so the full range applies to Romanian borrowers only, and a longer term means more months charged at 36.91% to 274.26%.

Is Credius regulated?+

Credius appears in both the Banca Nationala a Romaniei general and special registers of non-bank financial institutions, under the licence numbers RG-PJR-42-110277/01.08.2013 and RG-PJR-42-110086/16.02.2018. The legal entity is Credius IFN S.A..

Who can apply for a Credius loan?+

Applicants need a minimum age, Romanian citizenship and residence in Romania, plus a job tenure or, for pensioners, a pension slip. The lender expects a fair credit standing, so it is aimed at mid-range files.

How fast is the money with Credius?+

Funding is About 5 minutes from approval, delivered directly to card, delivered straight to your card, and same-day funding is listed as a feature. The wait runs from approval rather than from the moment you apply, so the decision stage is the part to plan around.

Can I repay a Credius loan early?+

Free early repayment is offered, so clearing the balance ahead of schedule carries no exit charge. That is worth weighing against 36.91% to 274.26%, since the saving comes from cutting the months you are charged for.

What kinds of loans does Credius offer?+

Credius lends on its own account as a direct lender, covering personal, payday and business lending. The stated use case is home improvement, with amounts from RON 1,850 to RON 100,000 and terms of 12 to 60.

How do I get hold of Credius?+

Support runs on email, chat and phone, so you can call, use the chat, send an email or work through the help centre. The business is based in Romania and has operated since 2013.

Sources

  • credius.ro checked September 26, 2026

    Backs: Eligibility, Use cases

  • credius.ro/credite-cu-buletinul checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Arrangement fee, Representative example, Term

    “Suma finantata: minimum 1,850 lei, maxim 100,000 lei”

  • credius.ro/cum-poti-rambursa-ratele checked September 26, 2026

    Backs: Free early repayment

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

    Backs: Lender type, Loan types

    “Credius se situeaza in top 5 companii financiare nebancare din Romania, oferind credite pentru persoane fizice in online”

  • credius.ro/tehnologia-credius checked September 26, 2026

    Backs: Features, Funding time

    “Banii in 5 minute, 24/24! ... 3. Banii imediat, Direct pe card”

  • credius.ro/termeni-si-conditii checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Support channels, Licences

    “inregistrata in Registrul General al BNR sub nr. RG-PJR-42-110277/01.08.2013”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Credius

Romanian adults with a job or a pension who want a personal loan approved quickly and paid straight to their card.

8.9/10See alternatives

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