CreditPrime is a Romanian NBFI present on the local market since 2016, positioned in the intermediate segment between traditional banks and quick small-sum NBFIs that cap out under 2,500 lei. Typical sums covered by the company go up to 18,000 lei, with terms up to 36 months and APR under 40% on the standard product. This guide describes the actual conditions and the recommended checks before signing.
Quick answer
• CreditPrime IFN SA is registered with NBR (RG-PJR-44-110125), legally authorised and audited annually
• Sums between 1,000 and 18,000 lei, terms 6-36 months
• APR between 28% and 51% depending on sum, term and profile
• Automatic pre-approval in 5-15 minutes, final decision in 4-24 hours
• Apply online at the official CreditPrime site
Company and market positioning
CreditPrime Romania IFN SA was founded in 2016 with Romanian private capital, and from 2020 onwards it has been part of a regional financial group with operations in Poland and Bulgaria. Share capital on 31 December 2025 was 23.4 million lei, with an active portfolio above 45,870 clients. During 2024-2025 the company invested in raising the maximum loan amount to 18,000 lei (previously 12,000 lei) to cover the intermediate segment against standard bank products.
What sets CreditPrime apart is the intermediate segment: sums larger than typical quick NBFIs (usually capped below 12,300 lei), but with conditions and speed more accessible than standard bank products.
Active products in 2026
CreditPrime Standard
The main product. Sums between 1,000 and 18,000 lei, terms between 6 and 36 months. The process asks for documentation proportional to the requested sum, and approval runs through an automatic check plus a manual review step for sums above 10,000 lei. APR drops visibly on larger sums and longer terms.
CreditPrime Refinance
A product launched in 2025 for clients with multiple loans at other NBFIs. CreditPrime consolidates the loans into a single one with a unique monthly rate, often with lower APR than the average of the previous loans. Maximum sum 18,000 lei, terms 12-36 months.
Official APR for typical scenarios
The official simulator on 17 June 2026 shows:
| Sum | Term | APR | Monthly | Total cost |
|---|---|---|---|---|
| 1,500 lei | 6 months | 51.4% | 295 lei | 270 lei |
| 3,500 lei | 12 months | 42.1% | 345 lei | 640 lei |
| 4,700 lei | 24 months | 36.8% | 262 lei | 1,588 lei |
| 9,500 lei | 24 months | 32.1% | 519 lei | 2,956 lei |
| 14,700 lei | 36 months | 28.4% | 569 lei | 5,784 lei |
The APR profile shows a clear drop on large sums and long terms, which reflects the fee structure: the fixed analysis fee is spread out across larger sums, and the nominal interest goes down for stronger risk profiles.
Customer profile targeted
CreditPrime builds its products for the intermediate segment:
• Salaried earners with declared income above 2,350 lei per month
• Freelancers with at least 18 months of fiscal history
• Pensioners with a pension slip above 1,700 lei
• Credit Bureau profiles that are clean, or with overdue records settled more than 24 months ago and a clean history since
• People looking for alternatives to traditional bank products for sums between 5,000 and 18,000 lei
Application process
The process is fully digital, in 5 steps:
Step 1, simulator: pick the sum and term, see the indicative monthly rate and APR.
Step 2, full form: personal data, occupation, income, bank account, ID upload.
Step 3, automatic validation: Credit Bureau query, ANAF check for freelancers, income source validation.
Step 4, manual step for sums above 10,000 lei: a confirmation phone call with an advisor, 5-10 minutes long.
Step 5, signature and transfer: you sign the electronic contract, money arrives on your card the same day or the next business day.
The case of Diana, Iași, February 2026
Maria Popescu, former ANPC consumer advisor: "A reader, Diana, 38, manager at a services firm in Iași, wrote to me in February 2026 after using CreditPrime Refinance to consolidate 3 prior loans held at different NBFIs (total 9,840 lei with combined monthly payments of 670 lei). CreditPrime offered her a 9,840 lei loan over 18 months at 596 lei per month, total interest 880 lei. The monthly saving of 74 lei was smaller than she had expected, but the administrative simplification (one payment instead of three) carried real value."
"The broader takeaway: refinancing for consolidation has value both in the reduced monthly cost and in cutting administrative complexity. For profiles with multiple loans across different creditors, comparing at least two consolidation options is the recommended step before deciding, so you identify the offer best suited to your specific profile."
Frequently asked questions
Can I repay early without penalty? Yes, with the maximum fee allowed under GEO 50/2010, art. 67.
Does CreditPrime accept people with a criminal record? Yes for clean records or records with inactive convictions for non-financial offences. Active convictions for economic offences lead to refusal.
Can I take a loan if I work in construction without a permanent contract? Yes, as long as the account statement confirms regular salary transfers over at least 6 months.
What's the difference between CreditPrime and a bank for 9,500 lei over 24 months? A bank may offer lower APR (12-18% in 2026 for an average profile) but asks for broader documentation and approves in 3-7 days. CreditPrime covers similar sums with faster approval.
How does the Refinance product actually work? You apply with the list of active loans, CreditPrime pays the prior creditors directly and issues a new contract with a single rate. The process takes 5-7 business days total.
Related
• Refinancing, when it really pays off
• Top fast NBFI credit 2026
• Compare refinance options
Editor's note: "CreditPrime is positioned in the intermediate segment of the market, with sums larger than quick NBFIs and conditions more accessible than traditional bank products. For sums between 5,000 and 18,000 lei and profiles with stable history, it's an option worth including in your comparison before deciding, alongside at least one bank offer."
Verified data for this institution
Checked: · CreditPrime
Registered entity: ECOFINANCE IFN S.A. · Registrul BNR (IFN) · RG-PJR-41-110328 + RS-PJR-41-110087
Published APR: 542.89%
Published example for the checked product (RO): Linie de credit 11.000 lei · dobândă 0,55% pe zi · utilizare calculată 6 luni · DAE 542,89% · total 19.647,25 leiThe example belongs to the cited product and assumptions. It does not describe every product from the institution.