Avinto is often searched as a fast loan. More precisely, it is a credit line offered by Avinto Finance I.F.N. S.A., not a classic bank loan with one fixed instalment.
You receive a limit, draw from it and pay daily interest on the amount used.
We checked the official page, representative example and public registers on 22 September 2026. This review does not repeat advertising claims or use unverified customer ratings.
Compare the product by total repayment, not response speed.
Quick answer
Avinto may cover a small, short need when bank finance is not available in time. The cost becomes high when the balance remains used for months.
In the official three-month example, 1,000 lei comes close to doubling.
How the credit line works
The official site displays a limit from 200 to 10,000 lei and a 24-month contract. Approval does not require drawing the full limit.
Interest applies to the used balance; the lender states that an unused limit does not generate interest.
New customers are offered seven zero-interest days on the first draw. Afterwards, the published rate can reach 1% per day. The promotion has conditions and does not replace the representative example or the agreement supplied before signature.
Official cost example
For 1,000 lei repaid hypothetically over three months, Avinto publishes two examples. A new customer pays 230 lei interest in month one, 300 lei in month two and 1,300 lei principal plus interest in month three. Total repayment is 1,880 lei and the published APR is 2,306.37%.
For an existing customer, 1% daily interest applies from day one, without the new-customer analysis fee used in the example. Published repayment is 1,900 lei and APR 2,333.95%. These are illustrative scenarios; the personal agreement and payment date determine the debt.
Protection under Law 243/2024
For loans up to 5,000 lei, the law caps total credit cost at the principal. In the 1,000 lei example, total repayment cannot exceed 2,000 lei, including late interest. The cap is a legal safeguard, not a recommended price.
Eligibility
Published criteria require age 19 or over, Romanian residence, stable income and a personal Romanian bank account. The lender may ask for more information. Meeting minimum criteria does not guarantee approval or the maximum limit.
Checks before signing
Write down the amount drawn, daily rate, exact due dates, analysis fee and total repayment. Ask for the SECCI form and read the agreement. If the personal document differs from the public calculator, the personal document is the relevant reference.
Check the site identity too. Avinto warns that it does not request passwords, SMS codes or card details through WhatsApp or TikTok. Apply only through the official domain. Do not send personal documents through Kreditano.
When it is unsuitable
If you can wait for bank underwriting or qualify for a personal loan with a lower APR, compare that route first. Recurring spending and long-term debt refinancing are poor matches for daily interest.
For an emergency, borrow only what you can repay on the stated date. A larger limit is not a benefit if it encourages repeated draws.
Editorial verdict
Avinto is fast but expensive in the three-month scenario. Online access and interest on the used balance are practical; daily cost is the decisive drawback. Compare fast loans and personal loans first.
Kreditano may receive a commission when a tracked offer is selected. This does not change the contract cost or turn the analysis into personal advice.
A monthly payment may not reduce principal
In the 1,000 lei example, the first two payments are interest and principal appears in the final payment. A monthly amount should therefore not be read as an amortising instalment. Ask for the balance after each payment and the amount needed to close it fully.
Early repayment and closing the line
Request a written balance calculated for the payment date. After transfer, check both whether the balance is zero and whether the facility remains open. Repaying drawn funds and closing the agreement can be separate actions.
What to check in SECCI and the agreement
Compare the approved limit with the amount drawn, daily interest after the promotion, analysis fee and exact payment dates. Check the process for further drawings. The public example illustrates a scenario; the personal document sets your cost.
If payment is late
Contact Avinto before maturity and request a written breakdown of principal, interest and any late charge. Do not assume an extension reduces cost. The law limits the total in certain cases, but delay can still affect credit history.
Comparison with alternatives
For the same amount, place Avinto beside a bank personal loan and at least one other NBFI offer. Use the same repayment date. Approval speed alone does not offset a large difference in total repayment.
Checklist before applying
Use only avinto.ro, record the total, save the SECCI sheet and agreement, then check the legal name and beneficiary account. Never send passwords, SMS codes or full card details through messages. Kreditano does not receive application documents.
Using the SECCI sheet as a control
Read the standard sheet before the agreement, not after receiving funds. Check that amount, term, APR and total match the application screen. Save the received version; if the offer changes, request an explanation and updated document before signing.
Daily interest in money
A daily percentage can look small in isolation. Convert it into lei for your balance and a realistic number of days, then add every charge. Compare the result with the published total without extending an introductory promotion across the whole term.
Withdrawal right and cancelling an application
Read separately the rules for withdrawing from an agreement, cancelling an unpaid application and closing a line after repayment. They are different situations. Request written instructions and do not assume deleting an application or paying the balance automatically ends the contractual relationship.
Personal data and identity checks
An NBFI may request identification and income verification. Submit data only through the lender's secure form and check the domain. Do not upload documents through a link from an unknown profile and never allow remote access to your phone or computer.
After the final payment
Download payment proof, request confirmation of a zero balance and retain the agreement with its schedule. For a reusable line, ask explicitly whether the facility remains active. Confirmation that money was received is not always confirmation that the agreement was closed.
How sources are used
Product terms and cost examples come from the lender's page. Legal identity is checked against the NBR register and statutory limits against the text on Romania's Legislative Portal. Anonymous comments do not support figures, and an advertised amount is not presented as a personal offer.
Sources and update
Terms checked on 22 September 2026. Read the official example and the documents supplied on the application date because promotions and criteria may change.
For Avinto I separate the approved limit from the amount used and check whether payments reduce principal or cover interest only. The full closure amount is the decisive figure.
Roman Dumitrescu, Head of Editorial