GinCredit review

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

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Our verdict

GinCredit lends directly to borrowers in Moldova and releases money fast, but it is an expensive way to borrow: the annual rate sits at 98.05% to 102.01%. It suits a citizen of the Republic of Moldova who needs a personal or business loan in a hurry and can carry that cost.

Key facts

Best for
Personal and business loans in Moldova released at Money within 15 minutes.
APR
98.05% to 102.01% (Source, checked September 26, 2026)
Loan amount
MDL 5,000 to MDL 60,000 (Source, checked September 26, 2026)
Term
6 to 60 months (Source, checked September 26, 2026)
Arrangement fee
1.2% of the amount disbursed (monitoring commission) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money within 15 minutes (Source, checked September 26, 2026)
Representative example
Personal needs loan 15,000 MDL over 12 months: monthly payment 1,794 MDL, total to repay 21,550 MDL, DAE 102.01% (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
No (Source, checked September 26, 2026)
Eligibility
Minimum age 18; loans granted only to citizens of the Republic of Moldova holding a valid identity document (Source, checked September 26, 2026)
Origination fee (%)
1.2% (Source, checked September 26, 2026)
Loan types
Personal, Business (Source, checked September 26, 2026)
Legal entity
OCN AXIOMA CREDIT SRL (IDNO 1014600016225) (Source, checked September 26, 2026)
Headquarters
Moldova (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
gincredit.md

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Same-day funding, with money sent at Money within 15 minutes.
  • A single stated charge: 1.2% of the amount disbursed (monitoring commission), taken on the amount disbursed.
  • Rate type is fixed on a fixed rate model, so payments do not shift with the market.
  • A direct lender rather than a broker: direct lender.

Cons

  • 98.05% to 102.01% sits far above the 12% site median and well above Cashspace at PHP 12 to PHP 36.
  • Free early repayment is no, so clearing the balance early does not cut the cost.
  • Support runs on phone and email only.
GinCredit

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Borrowers in the Republic of Moldova with a valid identity document and a minimum age, who can pass a hard credit check (hard).
  • People who need money at Money within 15 minutes and can carry a rate of 98.05% to 102.01%.
  • Those who want one named lender on the contract: direct lender.

Who should look elsewhere

  • Borrowers shopping on total cost: Cashspace lists PHP 12 to PHP 36 and Monzo Flex 10% to 23%, both well under 98.05% to 102.01%.
  • Anyone planning to finish a loan early, since free early repayment is no here, so Cashspace or Monzo Flex are worth checking first.

The company behind it

GinCredit is issued by OCN AXIOMA CREDIT SRL (IDNO 1014600016225), a company registered in Moldova. Its authorisation is listed with the National Financial Market Commission, Hotararea CNPF nr.011 din 14.01.2019, so the licence sits with the financial market regulator rather than a bank. Customer contact runs on phone and email, by phone and email.

How GinCredit compares

Where GinCredit is available

Available
Moldova
Licence in Moldova
Banca Nationala a Moldovei (National Bank of Moldova), checked September 26, 2026
Licence in Moldova
Comisia Nationala a Pietii Financiare (CNPF) (Hotararea CNPF nr.011 din 14.01.2019), checked September 26, 2026

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

Frequently asked questions

What rate will I pay on a GinCredit loan?+

The published rate is 98.05% to 102.01%, a range rather than a single number, so the cost depends on what you are offered. The representative example is a personal needs loan repaid over a shorter term, and the total to repay sits well above the amount borrowed. That makes it one of the costlier ways to borrow here.

What fees does GinCredit charge?+

The arrangement charge is 1.2% of the amount disbursed (monitoring commission), which is charged on the amount disbursed rather than as a fixed sum. It applies to both personal and business loans, since personal and business covers the two. Weigh it alongside the rate itself, 98.05% to 102.01%, when you look at the total cost.

Is GinCredit regulated?+

GinCredit lists its authorisation with the National Financial Market Commission: Hotararea CNPF nr.011 din 14.01.2019. The lender named in the terms is OCN AXIOMA CREDIT SRL (IDNO 1014600016225), based in Moldova. The licence reference and the company name are what you can check before signing.

Who can borrow from GinCredit?+

Loans go only to citizens of the Republic of Moldova who hold a valid identity document, and a minimum age applies. The credit check is hard (hard), so the decision rests on your file rather than a soft search. Borrowers in other countries need a lender in their own market.

How quickly do I get the money?+

Funding time is Money within 15 minutes, and same-day funding appears in the feature list, same day funding. Personal and business loans both run on that timeline, so a business borrower planning around a payment date can work from it. The decision still rests on a hard credit check.

How much can I borrow and over what term?+

Loan amounts run MDL 5,000 to MDL 60,000, and terms run 6 to 60. That single range covers both personal and business loans. A longer term spreads the payments but keeps the balance outstanding longer, and fixed rate means the rate does not move with the market.

Can I repay a GinCredit loan early?+

Free early repayment is no. If your income changes and you want to clear the balance ahead of schedule, the cost set by 98.05% to 102.01% still stands, so price that into the decision. Support on phone and email can confirm the terms that apply to your own contract.

Sources

  • gincredit.md checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Credit calculator: 5.000 min: 5.000 mdl max: 60.000 mdl”

  • gincredit.md/informatii-precontractuale checked September 26, 2026

    Backs: Free early repayment, Lender type

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

    Backs: Credit check, Headquarters, Legal entity, Support channels, Licences

    “Sediul: Republica Moldova, mun. Chisinau, str. Calea Iesilor 10B, MD-2069”

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

GinCredit

GinCredit

Personal and business loans in Moldova released at Money within 15 minutes.

8.8/10See alternatives

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