Viaconto
- Amount
- 700 lei–5,000 lei
- Term
- 2–60 months
- Published APR
- Under review
- Checked
Arrears in the Credit Bureau? The real options and their risks
Lending options for a negative credit history, shown with the real costs and no false promises.
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Representative example: for a loan of 4,250 lei over 18 months, with a monthly interest of 10.9% and an APR of 246.09%, the monthly instalment is 548.45 lei, the total interest 5,622.10 lei and the total amount payable 9,872.10 lei. For high-risk profiles the cost can be higher.
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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
Viva Credit · Instalment credit
- Amount
- 5,000 lei–20,000 lei
- Term
- 1–12 months
- Published APR
- Under review
- Checked
Mogo
- Amount
- 1,000 lei–3,000 lei
- Term
- 3–6 months
- Published APR
- Under review
- Checked
Hora Credit
- Amount
- 100 lei–5,000 lei
- Term
- 1–3 months
- Published APR
- Under review
- Checked
Avinto Finance
- Amount
- 200 lei–10,000 lei
- Term
- 1–24 months
- Published APR
- Under review
- Checked
Viva Credit Rapid
- Amount
- 100 lei–4,999 lei
- Term
- 1–6 months
- Published APR
- Under review
- Checked
Mai Mai Credit
- Amount
- 100 lei–10,000 lei
- Term
- 1–12 months
- Published APR
- Under review
- Checked
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
Cashspace
- Amount
- 100 lei–10,000 lei
- Term
- 3–12 months
- Published APR
- Under review
- Checked
Credity
- Amount
- 250 lei–12,000 lei
- Term
- 3–60 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
YouMoney
- Amount
- 100 lei–25,000 lei
- Term
- 1–12 months
- Published APR
- Under review
- Checked
Official cost document not verified
Check an offer found on another site
View extensionThe Kreditano extension estimates APR, total cost and the relevant IFN limit.
Is there a loan for people with bad credit and a negative history?
A history of late payments does not automatically close every door.
A few non-bank lenders review applications from people reported negatively at the Credit Bureau, but the terms are stricter and the cost higher.
Before you apply, check your own Credit Bureau report so you know exactly what lenders see; you can read how it works in the guide on the Credit Bureau in Romania.
If you have an active overdue balance, paying it off is often the best move, because a closed debt raises your odds more than any no-check loan offer.
A lender that accepts bad-credit borrowers asks for a high APR in return for the extra risk.
Do not confuse urgency with haste. Compare the APR and the total amount payable, not just the instalment.
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.
- ✓Applications reviewed individually, even with negative records
- ✓Stricter terms: smaller amounts, sometimes collateral or a guarantor
- ✓Higher cost, high APR visible in the representative example
- ✓Paying off active arrears improves your score over time
What to do before another application
Download your own report and separate an active arrear from delays already settled.
In 2026, editor Roman Dumitrescu reviewed repeated applications filed in the same week; they did not repair the history and could add more inquiry signals.
Speaking to the existing lender may help more than a fourth form.
If the overdue balance is 1,870 lei, compare the cost of clearing it with the price of a new loan first.
Do not pay a firm that guarantees deletion of accurate data. Consult the Credit Bureau and our guide to correcting or deleting a record.
Frequently asked questions
Can I get a loan if I am at the Credit Bureau with late payments?+
Sometimes yes, a few non-bank lenders accept such applications, but with higher interest and smaller amounts.
How do I improve my approval odds?+
Pay off active arrears, reduce your indebtedness and check your credit report before you apply.
What is APR and why does it matter?+
APR shows the real annual cost of the loan, including fees. See the guide on what APR means for a fair comparison.
Does anyone guarantee approval for bad credit?+
No. Offers promising guaranteed approval are a red flag; always check the total cost.