Mai Mai Credit review

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

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Our verdict

Mai Mai Credit is a Romanian direct lender built for small emergency cash rather than for spreading a cost. It suits residents with a registered income and a thin credit file who need money on the card the same day, at amounts of RON 500 to RON 10,000 and terms of 3 to 4.

Key facts

Best for
Short emergency cash in Romania, on the card the same day.
APR
977.87% to 2,255.63% (Source, checked September 26, 2026)
Loan amount
RON 500 to RON 10,000 (Source, checked September 26, 2026)
Term
3 to 4 months (Source, checked September 26, 2026)
Arrangement fee
50 RON file analysis commission (comision analiza dosar), retained from the amount granted (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money on the registered card within a maximum of 15 minutes, instantly after signing the contract (Source, checked September 26, 2026)
Representative example
Creditul Pentru Urgente credit line of 1,800 lei repaid in 3 months, fixed rate 1.00%/day, DAE 2,326.26%, total payable 3,388.82 lei; DAE range 977.87% - 2,255.63% (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
Yes (Source, checked September 26, 2026)
Eligibility
Individuals resident in Romania with a stable income registered at ANAF of at least 1000 RON per month, valid ID, mobile phone with camera (Source, checked September 26, 2026)
Loan types
Personal, Credit-line (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
MaiMaiCredit I.F.N. S.A. (Source, checked September 26, 2026)
Headquarters
Romania (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
maimaicredit.ro

Apps and profiles

Elsewhere
WikidataWikipediag.page

Pros and cons

Pros

  • Money lands on the registered card within minutes of the contract being signed.
  • Early repayment is free, so clearing the balance sooner adds nothing.
  • It lends directly at a fixed rate, with a credit line as well as a personal loan.
  • Help runs through email, phone and help centre.

Cons

  • The cost of credit is steep, with an APR of 977.87% to 2,255.63% against a site median of 12%.
  • A file analysis commission is retained from the amount granted, so the cash received is lower than the credit agreed.
  • Terms are 3 to 4 and every application runs a hard credit check, so the balance must clear fast.
Mai Mai Credit

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Residents of Romania with a stable income registered at ANAF, valid ID and a mobile phone with a camera.
  • Adults with a poor credit file who need a small sum the same day.
  • Borrowers who can clear the balance over 3 to 4 and will not be charged extra for finishing early.

Who should look elsewhere

  • Anyone arranging a large loan over a long term: the ceiling here is RON 500 to RON 10,000, so Monzo Flex is the comparison for bigger sums spread further.
  • Cost-sensitive borrowers, since Monzo Flex shows 10% to 23% and Cashspace sits at PHP 12 to PHP 36.
  • People whose income is not registered at ANAF, as the lender makes that a condition.

The company behind it

Mai Mai Credit operates as MaiMaiCredit I.F.N. S.A., registered in Romania. Its permission to lend is recorded with Banca Nationala a Romaniei in the Registrul Special IFN, under RS-PJR-41-110144/07.02.2023. Customers reach the team through email, phone and help centre. Check that number against the bank's register before signing.

How Mai Mai Credit compares

Where Mai Mai Credit is available

Available
Romania
Licence in Romania
Banca Nationala a Romaniei (National Bank of Romania), Registrul Special IFN (RS-PJR-41-110144/07.02.2023), checked September 26, 2026

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

Frequently asked questions

What does it cost to borrow?+

The headline cost is the rate: the published APR is 977.87% to 2,255.63%, well above the site median of 12%. A file analysis commission is also retained from the amount granted, so the cash that reaches the card is less than the credit agreed.

How much can I borrow and for how long?+

Loan amounts run RON 500 to RON 10,000, so the product is sized for a shortfall rather than a large purchase. Terms are short, at 3 to 4, and the range covers personal and credit line for borrowers who want to draw and clear quickly.

Will a credit check stop me applying?+

Every application runs a hard credit check, and the product targets a poor credit file, so a thin history is the expected starting point. Eligibility is narrower: residence in Romania, a stable income registered at ANAF, valid ID and a mobile phone with a camera.

Is this lender regulated?+

It appears in the Registrul Special IFN kept by Banca Nationala a Romaniei, under RS-PJR-41-110144/07.02.2023. The lending entity is MaiMaiCredit I.F.N. S.A., so the register entry and your paperwork can be matched against each other.

How does repayment work?+

The rate is fixed, and the money goes to your registered card rather than a bank transfer. The published example clears a credit line over a short term at a fixed daily rate, with the total repayable well above the amount borrowed. Free early repayment costs nothing extra.

How fast is the money?+

Quick. The lender states that money reaches the registered card within minutes, straight after the contract is signed, and same-day funding is a listed feature. Across the site, same-day funding appears on 82.9% of the products tracked.

Who is this loan for?+

Adults in Romania with a stable income registered at ANAF who need a small sum quickly and can clear it over 3 to 4. A poor credit file is the target market. It suits an urgent bill or shortfall rather than a cost you want to spread over a longer period.

How does it compare with the alternatives?+

Monzo Flex shows 10% to 23%, against 977.87% to 2,255.63% here. Cashspace sits at PHP 12 to PHP 36 and Cashspace ES lists 0%. The gap is the point: this lender prices urgent short-term cash, and the alternatives price far below it.

Sources

  • maimaicredit.ro checked September 26, 2026

    Backs: Loan amount, Credit needed, Features, Headquarters, Legal entity, Lender type, Loan types, Pricing model

    “Adresa: Bd. Dimitrie Pompeiu Nr.9-9A, Iride Business Park, Cladirea 24, Etaj 5, Sector 2, Bucuresti”

  • maimaicredit.ro/creditul-pentru-urgente checked September 26, 2026

    Backs: APR, Funding time, Representative example, Term

    “Primesti banii pe card in maxim 15 minute.”

  • maimaicredit.ro/despre-maimai-credit checked September 26, 2026

    Backs: Licences

  • maimaicredit.ro/intrebari-frecvente checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment, Arrangement fee, Rate type, Support channels

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

Mai Mai Credit

Mai Mai Credit

Short emergency cash in Romania, on the card the same day.

8.9/10Visit

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