Is a fast loan without an ANAF check possible?
A few non-bank lenders do not ask for the income certificate issued by ANAF for small amounts. The check runs on your bank statement and the data in the online form.
No ANAF certificate does not mean no check at all.
The lender consults the Credit Bureau and assesses your ability to pay, because consumer credit law requires responsible lending. The difference from a classic bank loan shows up in the cost: an application approved quickly, with reduced checks, almost always comes with a high APR.
Borrow only the amount you can repay without going over 40% of your net monthly income.
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.
- ✓No ANAF income certificate for small amounts
- ✓Decision usually within minutes, money the same day
- ✓Credit Bureau check stays standard
- ✓High APR, check the representative example before you accept
How Kreditano compares loan offers
All offers on Kreditano are sorted by ascending APR by default — the cheapest offer appears first. According to the National Bank of Romania, this is the fairest way to compare two loans, because APR includes not just the nominal interest rate but all mandatory fees: origination fee, monthly admin fee, mandatory insurance costs, and other recurring charges.
Two lenders with the same 9% nominal rate can have very different total costs because of these fees. On Kreditano you see APR alongside the estimated monthly payment for your chosen amount and term, plus the total cost — how many lei you pay in total by the end of the loan. In practice, total cost is the most relevant indicator when deciding between two similar offers.
No lender can pay to appear higher in the list. The displayed order is algorithmic (lowest APR first) and identical for every visitor. The only exception is when we explicitly tag an offer as "sponsored" or "partnership" — in that case the label appears visibly above the card.
How an application affects your Credit Bureau score
Simply comparing offers on Kreditano leaves no mark at the Credit Bureau. There is no inquiry, no score change. Your data is not transmitted anywhere at this stage.
A Credit Bureau inquiry only happens when you actually apply with a lender — that is, when you fill out the application form of the chosen bank or non-bank lender. This is a "hard inquiry" with a slight, temporary impact (usually minus a few points for a few months). If you apply for multiple loans within a short window (14–30 days, depending on the lender), the Credit Bureau may treat them as a single inquiry for the same loan type — by design, to encourage comparison.
Payment history matters most. Paying installments on time raises your score monthly; a single delay over 30 days drops your score significantly and stays on file for years. Before applying for a new loan, make sure you have no active delays and that your debt-to-income ratio doesn't exceed 40% (the National Bank of Romania's regulated maximum for most lei-denominated loans).