Is CreditFix a direct lender?

Yes. The site identifies CREDIT FIX IFN S.A. as the IFN that operates, approves, contracts and funds the line; confirm this in the agreement.

How much can be available?

The public range is RON 100–RON 10,000, but the final limit depends on checks and the agreement.

How does the 0% promotion work?

It applies only to a new customer’s first draw when the full amount is repaid within ten days.

What does the line cost?

The official RON 500 example over 62 days shows DAE 1,628.08% and total repayment of RON 805; check the live proposal.

By card, automatic debit, RoPay, bank transfer, cash, telephone and PayPoint/Kaseria where available.

What happens if payment is late?

Contact the creditor before the due date. The FAQ states 1.2% per day from the next day if the problem is not reported.

CreditFix offer review · Romania

Organization / product name	CreditFix revolving credit line from CREDIT FIX IFN S.A.
Provider type	Direct non-bank lender (IFN); CreditFix is the consumer-facing brand of CREDIT FIX IFN S.A.
Actual lender or lenders	CREDIT FIX IFN S.A.; the company presents, approves, contracts and funds the line
Available GEO	Romania; Romanian citizens or residents with the stated eligibility criteria
Available currency	Romanian leu (RON)
Minimum loan amount	RON 100
Maximum loan amount	RON 10,000
Minimum loan term	Not publicly disclosed; the first due date depends on the draw and signed agreement
Maximum loan term	Up to 62 days to the first due date; the credit line is advertised as valid for 5 years. The supplier brief mentions extension to 92 days, but that figure was not confirmed on the current product page
Base interest rate per day	0% for the first 10 days of the first draw for a new customer; 1% per day after that. The product page also states 0.8–1.0% per day for later draws
Base interest rate per week	Not publicly disclosed
Base interest rate per month	Not publicly disclosed
APR / total cost indicator	Representative official example: RON 500 drawn and repaid in 62 days, DAE 1,628.08%, total interest RON 305 and total repayment RON 805. The live calculator can show a different DAE for a different amount and date
Promotional or reduced interest rate	0% daily interest for the first 10 days of the first draw for new customers who repay in full within that period
Conditions of the promotional rate	Only the first draw for a new customer; if repayment exceeds 10 days, interest starts on day 11 and is not applied retroactively
Grace period	The first 10 days are an interest-free promotional window, not a general waiver of contractual due dates
Minimum borrower age	18 years
Maximum borrower age	75 years
Citizenship requirement	Romanian citizenship or a right of residence in Romania
Residency requirement	Domicile or residence in Romania
Required bank account	Romanian bank account or IBAN in the applicant’s name for payout
Required bank card	Bank card in the applicant’s name; card validation requires at least RON 0.10 available and online payments enabled
Income requirement	Proven recurring monthly income; the provider lists salary, pension and independent activity among accepted sources
Employment requirement	No single employment category is required; income source and affordability are assessed
Credit-history requirements	Creditworthiness and payment-history data may be checked; no fixed score threshold is published
Disbursement methods	Electronic transfer to the named bank card or IBAN after electronic contract signing; timing depends on approval and bank processing
Repayment methods	Automatic card debit, card payment in the client account, RoPay, bank transfer, cash deposit, telephone payment and PayPoint/Kaseria where available
Application review time	The official site says the decision arrives in a few minutes after online eligibility and document checks; no approval guarantee is published
Advertised time to receive funds	Transfer to the indicated card or IBAN after signing; the official page describes the card transfer as immediate, while bank timing may differ
Early repayment conditions	Early repayment and line closure are described as free; accumulated interest remains payable up to the closing date
Extension or rollover	A one-month payment postponement may be available once per draw from the client account after paying accrued interest; written conditions apply
Late-payment charges	If the customer does not contact CreditFix and pay the accrued interest, the FAQ states a late charge of 1.2% per day from the day after due date
Permitted loan purpose	Personal and family needs; no restricted-purpose list is published
Legal entity	CREDIT FIX IFN S.A.
Company registration number	ONRC J2015001169403; CUI 34048860
Registered address	Str. Cuza Voda nr. 90, Etaj 2, Sector 4, București, 040285, Romania
Licence number	BNR Special Register entry RS-PJR-41-110084/16.02.2018; the public pages also refer to BNR registration under Law 93/2009
Regulator	National Bank of Romania (BNR); ANPC provides consumer-protection guidance
Licence status	The provider states that CREDIT FIX IFN S.A. is registered and supervised by BNR; the current active entry should be checked in the live BNR register
Customer-support channels	0374 475 000, [email protected], [email protected]; published service hours Monday–Friday 08:00–20:00 and Saturday 09:00–16:00
Date checked	September 14, 2026

Editorial status · Approx. 9 min read · Offer checked September 14, 2026

CreditFix review summary

CreditFix is presented as a direct Romanian IFN credit line for applicants who meet the provider’s identity, residence, age and affordability checks. The public range is an orientation field rather than a personal approval: the exact limit, price, draw date and repayment date are set after verification and in the signed agreement. This matters because a revolving line can be reused, while the balance and daily cost change with each draw.

The current product page states that the line can be used for up to five years and that the first due date can be as far as 62 days away. That is not the same as a five-year repayment term for every draw. Before accepting, record the net RON credited, the DAE, each fee, the total repayment, the due date and the named legal creditor. Treat the live proposal and pre-contract information as controlling evidence rather than a banner or a comparison-card maximum.

What role does CreditFix play?

The official contact and product pages identify CREDIT FIX IFN S.A. as the company behind CreditFix. They publish ONRC J2015001169403, CUI 34048860 and a registered office at Str. Cuza Voda nr. 90, Etaj 2, Sector 4, București. CreditFix is therefore presented as a direct non-bank lender (IFN), not as a loan marketplace or lead-generation broker. The provider states that it is registered and supervised by the National Bank of Romania (BNR), while the live register should still be checked when an application is made.

The practical route is separate from the legal conclusion. A visitor submits an online form, confirms identity and contact details, provides income and card or IBAN information, receives an automated or manual decision, signs electronically and then waits for the transfer. Each stage can change the outcome. A text message saying that an application is eligible is not a right to the advertised maximum, and it is not proof that the money has arrived. The signed contract names the obligation, price, due dates and complaint channel.

Direct lender and contract counterparty

CreditFix is presented as the direct IFN route of CREDIT FIX IFN S.A. The signed agreement controls the final limit, rate, fees, repayment date and complaint process.

CreditFix amount, cost and total repayment

The public amount range is RON 100 to RON 10,000. The line is described as revolving: a customer may draw again after repayment without submitting a completely new application, but every draw remains subject to the current limit, checks and contract. The current product page states a maximum of 62 days to the first due date. The five-year statement concerns the availability of the line, not a promise that one draw can be repaid over five years. The supplier brief mentions a possible extension to 92 days, but that figure was not confirmed on the current product page and is marked as unverified.

CreditFix publishes different price stages. For a new customer’s first draw, the rate is 0% for the first ten days when that draw is repaid in full within the window. After day ten, the FAQ states 1% per day on the amount granted; the current product page also describes 0.8–1.0% per day for later draws. The official representative example uses RON 500 over 62 days and shows DAE 1,628.08%, total interest of RON 305 and total repayment of RON 805. DAE is an annualised comparison measure, not a daily rate; compare it with the exact term and total cash repayment in the live agreement.

Enter the CreditFix principal and any fee in the Romania RON cost calculator.
Compare DAE with total repayment and the exact draw period.
Check whether the first-draw 0% rule applies to the whole amount.
Record the first due date and the cost after day ten.
Save the representative example next to the signed agreement.

CreditFix application and eligibility

The current eligibility wording requires Romanian citizenship or a right of residence, age 18 to 75, a provable recurring income, a bank card or IBAN in the applicant’s name, and valid mobile and email details. The provider lists salary, pension and independent activity among income sources. It also says that affordability and payment history may be considered. No fixed credit-score threshold is published, so a previous payment problem should not be described as automatic approval or automatic rejection.

A careful application starts with a repayment budget, not with the largest selector value. Write down the amount needed, the first due date, the income expected to cover it and the money reserved for rent, food, utilities, transport, medicine and other debts. Read the privacy notice and pre-contract information before uploading an identity document. If the card must be validated, the FAQ says that at least RON 0.10 should be available and online payments enabled. A changed fee, term or creditor is a new proposal and deserves a fresh calculation.

CreditFix data sharing and credit checks

CreditFix’s privacy notice describes collection of identity details, CNP and identity-document data, address, phone, email, bank account and card information. It also refers to employer, income, occupation, existing loans and payment delays for creditworthiness assessment. The notice explains that some data can be processed to provide the credit service and that marketing communications have their own legal basis. The relevant controller, purpose, recipients and retention wording should be read in the version shown at the time of the application.

Ask which credit-information sources are consulted, whether an enquiry is recorded, how an incorrect record is corrected and which party receives a completed form. Separate underwriting consent from optional advertising. Bank-card linking should occur only through the verified provider domain; one-time codes should never be dictated to an unverified caller. Keep a dated copy of the privacy notice, consent screen, offer and final agreement so a later complaint can be reconstructed from the same evidence.

CreditFix payout, repayment and late-payment risk

After electronic signing, CreditFix says that funds are sent to the card or IBAN supplied by the customer. The product page describes a decision in a few minutes and an immediate card transfer, but this is a process statement, not a guarantee: identity checks, underwriting, electronic acceptance, bank cut-offs, weekends and the receiving bank can change the arrival time. A decision message is not money in the account. Compare the net credited amount with the contract and save the transfer confirmation.

The official repayment page lists automatic card debit, card payment in the client account, RoPay, bank transfer, cash deposit, telephone payment and PayPoint/Kaseria routes where available. It also describes a one-month payment postponement for a draw in defined circumstances, normally after the accrued interest is paid and subject to the account rules. If a customer cannot pay, the FAQ instructs them to contact CreditFix. Without timely notice and payment of the accrued interest, the FAQ states a 1.2% per-day late charge from the day after the due date. The agreement controls the full legal consequences.

CreditFix availability and borrower rights

CreditFix is presented for Romania and the provider’s public pages identify a Romanian legal entity, registered address, phone and email channels. The site states that CREDIT FIX IFN S.A. is recorded and supervised by BNR and cites a Special Register entry. That disclosure is useful, but a reader should check the current BNR register and the agreement rather than treating a historic number as proof that every product or campaign remains active. ANPC is the relevant Romanian consumer-protection route for general guidance and complaints information.

Keep the application, consent, pre-contract sheet, agreement, payment receipts and support correspondence. For early repayment or line closure, the provider describes no penalty and payment of accumulated interest only; the exact statement in the agreement prevails. If the balance looks wrong, request a written allocation of principal, interest, penalty and any third-party cost. Contact the named creditor before the due date, then use ANPC or qualified Romanian consumer advice if the response is incomplete. A privacy request does not automatically pause a contractual deadline.

Alternatives and consumer checklist

CreditFix may fit a single, short-term cash need for a borrower who meets the Romanian eligibility rules and can repay the entire draw from reliable income. The first-ten-day 0% feature is narrow: it applies to the first draw of a new customer and requires full repayment within that period. Once the promotional window ends, daily interest can make the total materially higher, so a borrower should compare the DAE, total repayment and late-payment rule instead of focusing on the zero-rate headline.

The product is a poor fit for a recurring budget gap, a plan to refinance one short-term debt with another or an applicant who cannot identify the repayment source. Compare the smallest sustainable amount with a bank overdraft, employer advance, bill-payment arrangement or free debt advice. Borrow Radar does not approve credit, promise acceptance or decide a complaint. The sensible final check is the legal counterparty, net cash received, DAE, all fees, due date, extension rule and the amount that remains for essential expenses.

Separate the public limit from the approved amount.
Compare net cash, DAE, total repayment, fees and due dates in RON.
Ask which credit-information sources and marketing permissions are involved.
Test the payment against essentials, existing debt and a minimum buffer.
Contact CreditFix early if the due date may be missed.

Additional CreditFix provider information

CreditFix is the public brand of CREDIT FIX IFN S.A., a Romanian non-bank financial institution. The current product page describes a revolving credit line from RON 100 to RON 10,000, with the line available for up to five years and the first repayment date set within a route that can reach 62 days. Approval, pricing and the final repayment date remain contract-specific.

For a new customer’s first draw, the provider advertises 0% interest for the first ten days when the draw is repaid in full in that period. After day ten, the published rate is 1% per day; the product page also describes 0.8–1.0% per day for later draws. CreditFix names CREDIT FIX IFN S.A., ONRC J2015001169403 and CUI 34048860, and states that it is registered and supervised by BNR.

CreditFix is presented as a direct IFN lender, not a comparison broker.
The current public product range is RON 100–10,000; the approved amount can be lower.
The 0% statement is limited to the first draw of a new customer and full repayment within ten days.
The signed agreement, DAE, fees and total repayment control the obligation.

Frequently asked questions

Question 1Is CreditFix a direct lender?: Answer
Yes. The site identifies CREDIT FIX IFN S.A. as the IFN that operates, approves, contracts and funds the line; confirm this in the agreement.
Question 2How much can be available?: Answer
The public range is RON 100–RON 10,000, but the final limit depends on checks and the agreement.
Question 3How does the 0% promotion work?: Answer
It applies only to a new customer’s first draw when the full amount is repaid within ten days.
Question 4What does the line cost?: Answer
The official RON 500 example over 62 days shows DAE 1,628.08% and total repayment of RON 805; check the live proposal.
Question 5How can I repay?: Answer
By card, automatic debit, RoPay, bank transfer, cash, telephone and PayPoint/Kaseria where available.
Question 6What happens if payment is late?: Answer
Contact the creditor before the due date. The FAQ states 1.2% per day from the next day if the problem is not reported.

Official sources used

Source record checked September 14, 2026. Prices, eligibility and approval remain dependent on the live creditor agreement.

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