Hora Credit is a Romanian NBFI with a digital-first model, launched under the current brand in 2018 and active on consumer loans under 12,000 lei. Approval in 30 seconds online, funds disbursed in 24 hours for most requests.
Quick answer
Registered NBFI with NBR (RG-PJR-44-110076). Sums 470-12,300 lei, terms 3-24 months. APR between 32% and 51% depending on sum and period. Trustpilot 4.1/5 (2,840 reviews). Apply at the official Hora Credit site.
Products 2026
Hora Credit Standard (470-12,300 lei, 6-24 months) and Hora Credit Rapid (470-2,350 lei, 3-6 months). Online application, electronic signature, funds on card within 24 hours.
Customer profile
Built for clients with declared income above 2,350 lei monthly, pensioners with stable income, freelancers with active fiscal history, or profiles with clean or recently settled credit history.
Bogdan Băicu, financial journalist: "A reader, Mihaela, 36, accountant in Constanța, took 3,250 lei from Hora Credit for an urgent car repair. Application to funds took 47 minutes. The general lesson for any consumer: before applying at any NBFI, request personalised simulations from 2-3 sources for the same sum and period."
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Frequently asked questions
What amounts and terms does Hora Credit offer?
Sums between 470 and 12,300 lei, terms 3 to 24 months. The most requested range in 2026 sits between 2,350 and 4,700 lei over 12-18 months. Online approval gives a preliminary answer in 30 seconds for those meeting basic criteria.
What's Hora Credit's APR in June 2026?
Official APR on horacredit.ro simulator at 16 June 2026: 38.5% for 4,700 lei over 24 months. APR rises on smaller sums or shorter periods (up to 51% under 1,000 lei) and drops slightly on larger sums (32.1% on 12,000 lei).
What documents does Hora Credit require when applying?
For sums under 2,350 lei: ID copy and account statement. For larger sums, an income certificate or pension slip is also required. For employees at large private companies, a self-declaration is usually accepted.
Can I take a loan if I have overdue records at the Credit Bureau?
Hora Credit accepts profiles with light, settled overdue records (under 12 months since settlement) but rejects active ones. For intermediate cases the simulator gives a preliminary result without affecting your score.
How is the loan repaid?
Via monthly direct debit from the bank account indicated at signing, based on a SEPA mandate. Early partial or full repayment is allowed at any time, with no fees beyond those permitted under GEO 50/2010.