Compare online loans in Romania
James Crawford, Consumer finance editor
Last updated: 8 February 2026
This page is a decision framework. We are not a bank and we do not issue loans. Final terms and approval decisions belong to the lender.
If you're unsure about safety first: read the safety checklist.
Comparison criteria
- Legitimacy & transparency: real company details, clear terms, contact information.
- Total cost: interest, fees, penalties, total repayment example.
- Terms: amount range, repayment period, minimum requirements.
- Process: steps, documents, response time (varies).
- Risk handling: what happens if you pay late and how extensions work.
How we select and compare offers
The offers presented are selected based on a market scan of online loans in Romania. We exclude providers that do not display clear terms, lack verifiable contact information, or make misleading claims (for example, "guaranteed approval").
Comparison is based on criteria: total cost (interest, fees, repayment example), transparency (clearly displayed terms), speed (response and transfer time), and eligibility (minimum requirements, age range).
Information is reviewed monthly to reflect changes in terms or offer availability.
Important: No lender can pay to improve their ranking. Order is determined by objective criteria and consumer utility.
Who it fits / who it doesn't
May fit if
- You have a realistic repayment plan.
- You understand total cost, not just monthly payment.
- You compare multiple options before applying.
Not fit if
- You want to cover another loan without a plan.
- You can't handle late fees if something goes wrong.
- You rely on "guaranteed approval" claims.
Available offers and comparison
Important notice: This is an informational comparison page. We are not a lender and do not make credit decisions. Final terms, rates, and approval are entirely up to the lender. We may receive compensation when you click partner links — this does not affect your offer or pricing.
Final terms and approval depend on lender. Always check full T&C on lender's website.
Offer valid for new customers only. Read full terms on lender's website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Approval rate varies. Verify eligibility on official website.
Warnings
- Don't borrow if you don't have a repayment plan.
- Late payments can trigger penalties and extra costs.
- Compare total repayment, not just received amount.
Sources & regulation
Consumers in Romania are protected by the National Authority for Consumer Protection (ANPC). Non-bank financial institutions are regulated by the National Bank of Romania (BNR).
Before applying for a loan, always verify that the lender is legally registered, has clear terms displayed, and provides real contact information. Read the full terms and conditions on the provider's official website.
Next step
Pick an option, read the full terms, and apply only if you understand costs and conditions.
Before applying: verify the lender and avoid scams.