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The best fast loan from a non-bank lender

We compare fast IFN loans by APR, total cost and approval speed, so you avoid the hidden cost of a rushed decision.

38 offers comparedAPR from 28.93%Apply at provider
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We receive a commission when you choose an offer through Kreditano. Your cost stays the same.

Representative example: for a fast loan of 2,400 lei over 30 days with a total cost of 234 lei, the amount to repay is 2,634 lei and the annualised APR is 209.80%. As a short-term product the APR looks very high; what matters is the 234 lei total cost, not only the percentage. Figures vary by lender and applicant profile.

Independent comparison · free for you
The list includes lenders and intermediaries. Intermediaries are clearly marked and take you to their own platform; the final lender sets eligibility and costs. The order considers verified APR, and commercial agreements may influence positions. Details

CreditYes

Amount
100 lei–25,000 lei
Term
1–24 months
Published APR
Under review
Checked

Official cost document not verified

Viva Credit · Instalment credit

Amount
5,000 lei–20,000 lei
Term
1–12 months
Published APR
Under review
Checked

Official terms (2026-08-12)

Credum

Amount
100 lei–20,000 lei
Term
12–180 months
Published APR
Under review
Checked

Official cost document not verified

Monisita

Amount
1,000 lei–50,000 lei
Term
1–36 months
Published APR
Under review
Checked

Official cost document not verified

Binixo

Amount
1,000 lei–50,000 lei
Term
3–12 months
Published APR
Under review
Checked

Official cost document not verified

Cash2Go

Amount
1,000 lei–25,000 lei
Term
2–4 months
Published APR
Under review
Checked

Official cost document not verified

CashEddy

Amount
250 lei–7,500 lei
Term
1–12 months
Published APR
Under review
Checked

Official cost document not verified

Credilemon

Amount
500 lei–100,000 lei
Term
1–12 months
Published APR
Under review
Checked

Official cost document not verified

CrediPuffin

Amount
100 lei–10,000 lei
Term
1–12 months
Published APR
Under review
Checked

Official cost document not verified

CreditDa

Amount
100 lei–25,000 lei
Term
1–24 months
Published APR
Under review
Checked

Official cost document not verified

CreditNice

Amount
1,000 lei–10,000 lei
Term
12–60 months
Published APR
Under review
Checked

Official cost document not verified

CreditWow

Amount
100 lei–25,000 lei
Term
1–24 months
Published APR
Under review
Checked

Official cost document not verified

Credity

Amount
250 lei–12,000 lei
Term
3–60 months
Published APR
Under review
Checked

Official cost document not verified

Credy

Amount
100 lei–10,000 lei
Term
1–12 months
Published APR
Under review
Checked

Official cost document not verified

Lendo

Amount
100 lei–25,000 lei
Term
3–12 months
Published APR
Under review
Checked

Official cost document not verified

LetoCredit

Amount
200 lei–5,000 lei
Term
1–36 months
Published APR
Under review
Checked

Official cost document not verified

Lunare

Amount
100 lei–10,000 lei
Term
1–12 months
Published APR
Under review
Checked

Official cost document not verified

Moneezy

Amount
100 lei–25,000 lei
Term
1–48 months
Published APR
Under review
Checked

Official cost document not verified

YouMoney

Amount
100 lei–25,000 lei
Term
1–12 months
Published APR
Under review
Checked

Official cost document not verified

How do you spot the best fast IFN loan?

In this guide, "best" means the lowest APR at the date of the update, for the standard profile described below. Last updated: 16 July 2026.

A fast loan from a non-bank lender gets approved in minutes and the money reaches your card the same day.

Speed has a price: the APR on these short-term products is much higher than on a bank loan, because it is annualised over a very short period.

The best fast loan is not the one that shows first in the ad, but the one where the total cost, meaning the sum you pay back, is lowest for the amount and days you need.

Our list starts in „Kreditano order”: the order is based on the APR, and based on commercial agreements certain lenders may occupy higher positions.

We say that plainly.

You can switch to sort by APR any time for a strict price ranking, and the first recommended card stays a starting point you check against your case.

Kreditano is an independent comparison platform. We are not a lender, we do not take credit applications and we do not offer financial advice.

The information in this article is for information purposes; the final conditions are set exclusively by the creditor.

Kreditano may receive a commission when you access a creditor's website through our links.

  • ✓The exact repayment amount, shown clearly before you sign, not just the rate or the fee.
  • ✓The annualised APR, so you can fairly compare two offers with different terms.
  • ✓A grace period for new clients: some lenders offer the first loan at zero cost.
  • ✓What happens on late payment: penalties can quickly exceed the original cost of the loan.

Read also

Frequently asked questions

How fast do I get the money from an IFN?+

At most online lenders, the decision arrives within minutes after your ID check, and the card transfer happens the same business day. Compare payout times on our fast loan page.

Why is the APR so high on fast loans?+

Because APR is calculated per year, and on a loan of a few weeks a small cost in lei turns into a very high annual percentage. Do not compare it with bank APR, compare it between similar lenders.

Does best fast loan mean cheapest?+

The total repayment amount almost always matters more than speed. Check the offer with the lowest sum to pay back and read what APR is so an "instant approval" ad does not sway you.

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