Benefits

Simple, intuitive and convenient to access online a personal needs loan of up to 100,000 lei.

 

Just with your ID

No income proof documents needed, apply online if you have a monthly income that can be verify at ANAF (salary and pension).

 

Just 3 steps for approval!

Fill in quickly the details from the 3 steps and at the end you will know if the loan was approved!

 

One visit to the branch!

After accepting the offer in Idea::WebCredit you need to visit just one time the branch to sign neccesary documents. 

Features

Everything you need to know about getting a loan through Idea::WebCredit.

With Idea::WebCredit you can access Idea::selfie, personal needs loan up to 100,000 lei:

  • loan amount: between 4,000 lei and 100,000 lei;
  • repayment period:
    • minimum 6 months, maximum 3 years, for loans up to 10,000 lei;
    • minimum 6 months, maximum 5 years, for loans over 10,000 lei.

These are the minimum eligibility criteria to access a loan through Idea::WebCredit:

  • monthly income: minimum 1,250 lei / person;
  • accepted incomes: incomes that can be verified in the ANAF database (salary, pension);
  • age: Romanian citizens between 18 and 70 years old (65 for sailors) at the end of loan contract;
  • work history: at least 3 months at current employer and total working experience of at least 1 year
  • no loans in forced execution or repeated delays in repayment of other loans.

Costs

Transparent. Advantageous. Stable.

Comissions upon granting: Amount
Analyses fee 400 lei
Credit Bureau interogation 2,5 lei
Registration at National Registry of Movable Property (R.N.P.M.) 65,7 lei

 

Comissions during contract: Amount
Fixed interest from 9,9% to 18%
Floating interest IRCC 2,36% + fixed margins from 6,7% to 4,8%
Monthly loan administration fee 0 lei
Monthly current account administration fee 3 lei

Early replayment

fixed interest:

  • 1% before last year of the contract
  • 0,5% in the last year of the contract

floating interest: 0% (according to OUG 50/2010)

 

Exemplu reprezentativ de cost - dobândă fixă: Pentru un credit Idea::selfie in suma de 30.000 lei contractat pe un termen de 5 ani, cu un comision de analiza dosar de 400 lei, te poti incadra de la o dobanda fixa minima de 9,90% (cu o rata lunara de 636 lei, DAE de 11,11%, valoare totala platibila de 38.156 lei) pana la o dobanda fixa maxima de 18% (cu o rata lunara de 762 lei, DAE de 20,44%, valoare totala platibila de 45.708 lei). Dobanda ia valori de la 9,90% pana la 18%, in functie de profilul tau socio-demografic si financiar.

Exemplu reprezentativ de cost - dobândă variabilă: Pentru un credit Idea::selfie în sumă de 30.000 lei, contractat pe un termen de 5 ani, cu un comision de analiză dosar de 400 lei, te poți încadra de la o dobândă variabilă minimă de 9,06% (cu o rată lunară de 624 lei, DAE de 10,18%, valoare totală plătibilă de 37.417 lei) până la o dobândă variabilă maximă de 17,16% (cu o rată lunară de 748 lei, DAE de 19,44%, valoare totală plătibilă de 44.890 lei). Dobânda s-a calculat după formula Indice de Referință pentru Creditele acordate Consumatorilor (IRCC) din data de 03.01.2020 în valoare de 2,36% + marja fixă (de la 6,70% până la 14,80% în funcție de profilul tău socio-demografic și financiar).

Useful information

How can you access a loan online with Idea::WebCredit?

Choose the details of the desired loan in Idea::WebCredit: amount, period, interest rate and fill in the information in the following 3 steps:

  1. Fill in your contact details.
  2. Upload your ID and fill in the socio-demographic and financial data.
  3. Validate the information entered usign the validation code received by SMS.

And that's it! Find out if the loan you need is approved! Further, accept the offer from Idea::WebCredit and visit the selected branch to sign the necessary documents. If the information entered is correct and your application is approved, we will only contact you to let you know when you will receive the approved loan.

Other useful information:

  • The value of the public reference indices currently used in the calculation of interest for individuals loans granted starting with 31.07.2014 can be found on the NBR website. You can also consult the history of these interests.
  • Customer Guide - Here's how easy it is to access a loan online, see the guide below (Romanian version only):