A 0% first-loan offer is a conditional promotion, not a promise to every applicant. Save the lender’s terms as they stand when you apply. This article does not claim that a measured share of customers misuse promotions: no supporting survey is available.
Zero interest and zero total cost are different
Ask how much cash you receive and the total you must repay. Check additional fees, insurance and services, then compare the personalised APR with the advertised claim.
A subscription charged by an intermediary is not loan interest. On a matching platform, identify the actual lender and the recipient of each fee.
Read the qualifying conditions
Check the definition of a new customer, eligible amount, term, promotion end date and on-time-payment requirement. One company may have several products with different terms.
Ask what changes if payment is late, from which date and on which amount. There is no universal penalty rate in this guide; use the lender’s documents and contract.
An illustrative example
If you receive 1,000 lei and the documents confirm a total repayment of 1,000 lei at maturity, that scenario has zero cost. An additional charge changes the result. This is arithmetic, not evidence of a current promotion.
Before applying
Read the Romanian APR explanation, repayment date and representative example. A simulation is not approval; an intermediary cannot guarantee a loan.
The short-term loan list links to available products and sources. A short promotion does not solve an inability to repay on time.