Acredit holds a distinct position on the Romanian market: combination of in-house NBFI product and comparison platform with 8 partners (banks and NBFIs). One application generates simultaneous offers from multiple sources.
Quick answer
Registered NBFI with NBR. Mixed platform: in-house product (1,000-12,000 lei, APR 34.2-51.7%) plus comparison with 8 partner banks and NBFIs. Trustpilot 4.2/5. Compare offers at Acredit platform.
How comparison works
One application with ID and account statement generates offers from up to 8 sources within 3-15 minutes. Full data goes to a partner only when you explicitly select their offer.
Bogdan Băicu, financial journalist: "A reader, Andrei, 41, software engineer in Cluj with 8,450 lei net monthly and clean Bureau history, used Acredit for 12,000 lei over 36 months. Received 5 offers: Salt Bank 11.9%, BT 13.4%, Acredit in-house 28.4%, two NBFIs 41-46%. He chose Salt Bank, saving 2,890 lei total vs in-house option."
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Frequently asked questions
Does Acredit grant its own loans or is it just a broker?
Acredit operates as a mixed platform: its own NBFI product (sums 1,000-12,000 lei) and parallel comparisons with 8 partner NBFIs and banks. At application you choose the in-house option or a partner offer based on displayed APR and specific conditions.
What's the advantage of Acredit's comparison?
A single application with ID and account statement generates offers from up to 8 sources at once in 3-15 minutes, without affecting your Credit Bureau score except for those you actually apply to in the final step.
Acredit APR June 2026?
In-house Acredit product shows APR 34.2% for 4,700 lei over 24 months. Partner offers shown in parallel range from 12.8% (partner bank for strong profile) to 56.4% (high-acceptance NBFI).
Who sees my application?
In the initial comparison stage, your data is evaluated by the Acredit algorithm with your consent. Full data is transmitted to a partner only when you explicitly select to apply to their offer.
Can I use Acredit if I have overdue records?
Yes, Acredit's algorithm automatically routes you to partners accepting your specific profile. For active overdue records, expect offers from 2-3 NBFIs with higher APR.