CreditWow
- Amount
- 100 lei–25,000 lei
- Term
- Lender determines the term; range unconfirmed
- Published APR
- Under review
- Checked
Intermediary. ANAF method unconfirmed; the final lender decides.
Official cost document not verified
Fast loan without an ANAF check: what is still verified
Compare offers and check all costs. Adjust the amount and term using the filters.
How to choose an offer
Check how income is evidenced and the total cost before choosing an offer.
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Representative example: for a loan of 3,400 lei over 12 months, with a monthly interest of 9.35% and an APR of 192.30%, the monthly instalment is 483.27 lei, the total interest 2,399.24 lei and the total amount payable 5,799.24 lei. Actual costs depend on the offer you choose.
The list includes general alternatives. Being listed does not confirm that ANAF is not queried. See checked documents
Credum
- Amount
- 100 lei–20,000 lei
- Term
- 1–12 months
- Published APR
- Under review
- Checked
Intermediary. ANAF method unconfirmed; the final lender decides.
Official cost document not verified
Credilemon
- Amount
- 500 lei–100,000 lei
- Term
- 1–12 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Avinto Finance
- Amount
- 200 lei–10,000 lei
- Term
- 1–24 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
CreditYes
- Amount
- 100 lei–25,000 lei
- Term
- 62 days – 12 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
CashEddy
- Amount
- 250 lei–7,500 lei
- Term
- Lender determines the term; range unconfirmed
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Provident
- Amount
- 2,000 lei–25,000 lei
- Term
- 13–26 months
- Published APR
- 134.29%
- Checked
ANAF method unconfirmed; ask the provider.
Viva Credit · Instalment credit
- Amount
- 1,000 lei–10,000 lei
- Term
- 3–8 months
- Published APR
- 296.61%
- Checked
ANAF method unconfirmed; ask the provider.
Mogo
- Amount
- 1,000 lei–3,000 lei
- Term
- 3–6 months
- Published APR
- 1232%
- Checked
ANAF method unconfirmed; ask the provider.
Monisita
- Amount
- 1,000 lei–50,000 lei
- Term
- 1–36 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Lunare
- Amount
- 100 lei–10,000 lei
- Term
- 61 days – 90 days
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Credy
- Amount
- 100 lei–10,000 lei
- Term
- 61 days – 120 days
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Hora Credit
- Amount
- 100 lei–5,000 lei
- Term
- 1–3 months
- Published APR
- 35%
- Checked
Documents cover ANAF checks; no exemption is confirmed.
CreditPrime
- Amount
- 400 lei–15,000 lei
- Term
- 1–24 months
- Published APR
- 515.32%
- Checked
Documents cover ANAF checks; no exemption is confirmed.
BSG Credit
- Amount
- 200 lei–1,000 lei
- Term
- 5 days – 30 days
- Published APR
- 2397.65%
- Checked
ANAF method unconfirmed; ask the provider.
SafeCredit
- Amount
- 500 lei–10,000 lei
- Term
- 1–36 months
- Published APR
- 1254.61%
- Checked
ANAF method unconfirmed; ask the provider.
Acredit
- Amount
- 200 lei–5,000 lei
- Term
- 5 days – 30 days
- Published APR
- 2334%
- Checked
Documents cover ANAF checks; no exemption is confirmed.
Mai Mai Credit
- Amount
- 100 lei–10,000 lei
- Term
- 1–3 months
- Published APR
- 2323.68%
- Checked
ANAF method unconfirmed; ask the provider.
Viva Credit Rapid
- Amount
- 100 lei–20,000 lei
- Term
- Up to 60 months
- Published APR
- 2321.01%
- Checked
ANAF method unconfirmed; ask the provider.
OkCredit
- Amount
- 200 lei–5,000 lei
- Term
- 1–12 months
- Published APR
- 2120%
- Checked
ANAF method unconfirmed; ask the provider.
Cashspace
- Amount
- 100 lei–10,000 lei
- Term
- 3–12 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Fimero
- Amount
- 100 lei–5,000 lei
- Term
- 3–3 months
- Published APR
- 2333.95%
- Checked
ANAF method unconfirmed; ask the provider.
Economo
- Amount
- 500 lei–250,000 lei
- Term
- 1–60 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Moneezy
- Amount
- 100 lei–25,000 lei
- Term
- 1–48 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Lendo
- Amount
- 100 lei–25,000 lei
- Term
- 3–12 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
CreditDa
- Amount
- 100 lei–25,000 lei
- Term
- Lender determines the term; range unconfirmed
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Crezu
- Amount
- 100 lei–10,000 lei
- Term
- 3–12 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
YouMoney
- Amount
- 100 lei–25,000 lei
- Term
- 1–12 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Cash2Go
- Amount
- 1,000 lei–25,000 lei
- Term
- 2–4 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Finpug
- Amount
- 100 lei–10,000 lei
- Term
- 2–12 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
CreditNice
- Amount
- 1,000 lei–10,000 lei
- Term
- 12–60 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
Binixo
- Amount
- 1,000 lei–50,000 lei
- Term
- 3–12 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Official cost document not verified
SOS Credit
- Amount
- 500 lei–20,000 lei
- Term
- 3–60 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
Viaconto
- Amount
- 700 lei–5,000 lei
- Term
- 2–60 months
- Published APR
- 803.5%
- Checked
ANAF method unconfirmed; ask the provider.
TBI Bank · Creditul tău personal
- Amount
- Up to 150,000 lei
- Term
- 12–60 months
- Published APR
- Under review
- Checked
ANAF method unconfirmed; ask the provider.
ANAF and documents: what provider sources confirm
This table compares published information; it does not guarantee loans without ANAF checks. Acceptance of a bank statement does not prove an exemption. Do not send personal documents to Kreditano.
Editorial check:
| Provider | ANAF method | Documents and evidence limits | Source |
|---|---|---|---|
| Acredit | ANAF covered in documents | Terms require ANAF and Credit Bureau consent; further information may be requested. | Official page |
| Hora Credit | ANAF covered in documents | The policy includes ANAF and the Credit Bureau as assessment sources. | Official page |
| CreditPrime | ANAF covered in documents | The site publishes an ANAF consent form. No exemption is confirmed here. | Official page |
| Avinto | Unconfirmed | ID and a personal card; if automatic income verification fails, a bank statement or income certificate may be requested. | Official page |
| Viaconto | Unconfirmed | Lists ID and a bank statement, with monthly income paid into the account. This does not establish that ANAF is not queried. | Official page |
| Ocean Credit | Unconfirmed | The FAQ requires declared income and income information; documents depend on the individual assessment. | Official page |
| CreditWow | Unconfirmed | Intermediary: ID, phone, email and a personal account for the application. The final lender sets checks and documents. | Official page |
| Credum | Unconfirmed | Comparison platform: forwards the request to partners; confirm ANAF checks and final documents with the lender. | Official page |
When a fast loan without an ANAF check is possible
No income certificate and no electronic ANAF query are different things. A lender may request other documents or permission to verify information.
Being listed here does not confirm that a provider waives ANAF checks. The table above separates published requirements from unconfirmed information.
Acceptance of a bank statement alone does not establish an exemption.
Income checks, repayment assessment and Credit Bureau queries are separate questions.
Ask which method applies to your situation and compare APR, fees and total repayment for the same amount and term.
Work out what remains of monthly income after essential spending and existing repayments. A general percentage does not guarantee affordability or eligibility.
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.
- ✓Income documents depend on the product and applicant
- ✓Assessment and transfer times depend on the provider and bank
- ✓Check ANAF and Credit Bureau queries separately
- ✓Compare total repayment and the official example before accepting
No ANAF certificate does not mean no checks
The application may start from a bank statement and your declaration, while the lender can still check identity, the Credit Bureau and income stability.
In 2026, editor Maria Popescu reviewed foreign-income files accepted on statements but declined when incoming payments were irregular.
Separate three questions: does the lender request an ANAF document, accept another income record, and consult the Credit Bureau? The answers are not interchangeable.
For 3,400 lei over 12 months, request the document showing total repayment before confirming.
Check the institution with the NBR register tool and read how the Credit Bureau record works.
Frequently asked questions
Can I borrow without an ANAF check?+
This depends on the lender and your income. No certificate does not mean no electronic query. Check the sourced table and confirm the method for your circumstances. Approval is not guaranteed.
How long does approval take?+
Timing depends on the lender, documents, necessary checks and working hours. After approval and signature, the transfer also depends on the bank. This list does not guarantee a decision within minutes or same-day funds.
Is approval guaranteed?+
No. The application depends on lender assessment and repayment capacity. A calculation or click is not acceptance of an application.
Do these loans appear at the Credit Bureau?+
This depends on lender participation and the information applicable to the product. Queries, reporting and ANAF checks are separate operations. Request the Credit Bureau notice before applying.
Does a fast loan without ANAF mean no checks?+
No. Speed describes the process, not the absence of checks. Compare fast online loans separately and ask the lender how income, identity and payment history are verified.