Hora Credit, Viva Credit and Acredit are direct NBFI lenders for small amounts. The table shows only what each publishes on its own site, with the check date. The examples use different amounts and terms, so the percentages alone do not show which offer is cheaper for you.
What each lender publishes
| Criterion | Hora | Viva | Acredit |
|---|---|---|---|
| Lender | Hora Credit IFN S.A. | Viva Credit IFN S.A. | Credit Online IFN S.A. |
| Published amounts | 100–5,000 lei | 100–20,000 lei (line) and 1,000–10,000 lei (instalment loan) | 200–5,000 lei |
| Term | up to 30 days (extendable to 100), 70 days or a credit line | line available up to 60 months; instalment loan 3–8 monthly instalments | 5–30 days |
| Published cost example | 1,000 lei over 30 days: APR 2,333.94% | 1,500 lei: APR 2,321.01%, total 3,000 lei | 500 lei over 30 days: total 650 lei, APR 2,334% |
| Checked | 21.10.2026 | 21.10.2026 | 21.10.2026 |
How to choose between them
Request an offer for the same amount and repayment date from all three and compare the total amount payable in the SECCI form. Check what happens on late payment or extension and whether a promotional example applies only to the first loan.
Detailed reviews
Read the Hora Credit review, the Viva Credit review and the Acredit review, then compare active offers in the fast loan list.