SafeCredit review

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

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Our verdict

SafeCredit suits Romanian adults who want a small fixed-rate loan or credit line and need money moving fast. Its licence from the National Bank of Romania and free early repayment help, but a cost of 1,272.51% to 2,337.53% makes it a hard sell next to cheaper lenders.

Key facts

Best for
A small fixed-rate loan or revolving credit line in Romania, funded within minutes.
APR
1,272.51% to 2,337.53% (Source, checked September 26, 2026)
Loan amount
RON 500 to RON 10,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money in your account in just a few minutes (Source, checked September 26, 2026)
Representative example
Loan of 1000 lei, DAE 2337.53%, total cost of credit max 1000 lei, total payable max 2000 lei, repaid in 12 equal monthly instalments (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
Romanian citizens aged 19 to 80, minimum confirmed monthly income of 1000 lei, active RON bank card (Source, checked September 26, 2026)
Loan types
Credit-line, Personal (Source, checked September 26, 2026)
Legal entity
Credit Online IFN SA (Source, checked September 26, 2026)
Headquarters
Romania (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line, Same-day funding
Official website
safecredit.ro

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediafacebook.com

Pros and cons

Pros

  • Fixed rates on fixed terms, so payments do not move with the market
  • Early repayment is free, so a lump sum later costs nothing extra
  • Listed with the National Bank of Romania under RS-PJR-41-110168/04.11.2024
  • Support runs on phone, email and help centre, including phone and email

Cons

  • Costs of 1,272.51% to 2,337.53% sit far above cheaper personal loans on the same terms
  • A hard credit check means an application can hurt the credit file
  • Borrowing is capped at RON 500 to RON 10,000
SafeCredit

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Romanian adults with a confirmed monthly income and an active RON bank card
  • Anyone who needs a credit line or personal loan released the same day
  • Borrowers who can clear the balance early without extra charge

Who should look elsewhere

  • Anyone looking for a low-cost loan: Monzo Flex shows a far cheaper price band
  • Borrowers who want to check eligibility without a credit file hit, since the credit check is hard
  • Lenders outside Romania, as lending is limited to Romanian citizens

Where it sits among rivals

On loan amount, SafeCredit ranks 555 of 685 brands, with limits running to RON 500 to RON 10,000, so it covers smaller sums rather than the top of the range. On term it sits at 111 of 232 brands, matching the site median of 36 months. Pricing is the standout: 1,272.51% to 2,337.53% is the clear gap versus the 12% median and the 24.92% upper quartile.

Who runs it

SafeCredit is issued by Credit Online IFN SA, based in Romania and lending as a direct lender. It appears on the register of the National Bank of Romania under RS-PJR-41-110168/04.11.2024. Borrowers are reached through phone, email and help centre, which includes phone, email and a help centre. Applicants must be Romanian citizens of adult age with a minimum confirmed monthly income and an active RON bank card.

How SafeCredit compares

Where SafeCredit is available

Available
Romania
Licence in Romania
National Bank of Romania (Banca Nationala a Romaniei) (RS-PJR-41-110168/04.11.2024), checked September 26, 2026

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

Frequently asked questions

What does SafeCredit cost to borrow?+

SafeCredit charges an annual percentage rate of 1,272.51% to 2,337.53% on its loans and credit lines. The representative example shows how quickly that rate builds: a loan repaid in a year can cost as much again in interest, so the real weight sits in the rate, not in any one-off fee.

How much can I borrow from SafeCredit?+

The limit runs to RON 500 to RON 10,000, covering both personal loans and revolving credit lines. That places it among the smaller lenders on the site, where the median amount is €876.96 and the upper quartile is €3,100.39.

How long do I have to repay?+

The term is 36 months, which sits on the site median of 36 months. Repayment is in equal monthly instalments, and early repayment is free, so clearing the balance sooner costs no extra charge.

Does SafeCredit check my credit?+

The credit check is hard, which is the most common type on the site at 72.7%. A hard check leaves a trace on the credit file, so it is worth checking an existing offer before applying. There is no soft pre-qualification listed here.

Is SafeCredit regulated and is my money protected?+

SafeCredit is authorised by the National Bank of Romania, listed as RS-PJR-41-110168/04.11.2024. The legal entity behind the brand is Credit Online IFN SA, which lends directly. No deposit protection scheme is stated in the published information.

Who can apply for a SafeCredit loan?+

Applicants must be Romanian citizens of adult age with a minimum confirmed monthly income and an active RON bank card, so the product is tied to income paid into a Romanian account. Those conditions narrow it to borrowers already banking locally.

How fast does SafeCredit pay out?+

The stated speed is Money in your account in just a few minutes on the fast credit line, one of the quicker funding times on the site. Same-day funding is a common feature, present on 82.9% of the range, so the promise is competitive on speed alone.

Is a SafeCredit loan fixed or variable?+

Rates are fixed, the same pattern as across the range, where 80.5% of loans are fixed. That means the instalment stays put for the life of the loan, which is useful for planning but locks the rate once set.

Sources

  • safecredit.ro checked September 26, 2026

    Backs: Loan amount, Eligibility, Lender type, Pricing model, Rate type, Support channels, Term, Licences

    “0,80% pe zi”

  • safecredit.ro/linie-rapida-de-credit checked September 26, 2026

    Backs: Features, Free early repayment, Funding time

    “Linia de credit este o solutie potrivita pentru a acoperi cheltuieli urgente ... Primesti banii in contul tau in doar cateva minute”

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

    Backs: APR, Credit check, Headquarters, Legal entity, Loan types, Representative example

    “cu sediul social in Romania, Municipiul Bucuresti, Sector 6, Soseaua Virtutii nr. 19D, etaj 1, cod postal 060782”

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

Not confirmed yet: Arrangement fee.

SafeCredit

SafeCredit

A small fixed-rate loan or revolving credit line in Romania, funded within minutes.

9.0/10See alternatives

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