HoraCredit - creditare online 4.14

The application for a Hora Credit loan is quick and easy. To obtain a loan of up to 10,000 RON, all you need is an internet connection and the online submission of your ID card and bank statement to your personal account. The credit decision will be received within minutes.

Who can borrow?

• Any resident of Romania aged between 19 and 75 can apply for a Hora Credit loan.

Minimum period - 63 days
Maximum period - 180 days
Maximum Annual Percentage Rate (APR) - 34%

Total Cost of the Loan and an Example Calculation of the Loan:

A loan of 2,000 Lei was granted to the borrower for a period of 63 days. There are 365 days in a year, with a daily rate of 0.001% (equivalent to an annual interest rate of 0.0365%). The interest amount is 73 Lei per year (2000 * 0.0365%), and for 63 days, the interest will be 12.6 Lei. The total repayment amount will be 2012.6 Lei (2000 Lei (Principal Debt) + 12.6 Lei (Interest)).

Advantages of our services:

• Fast processing, consideration of all applications, and quick decision-making
• No fees, insurance, or hidden costs; you only pay the interest for the period you used the loan
• Continuous application processing
• Saving personal time by avoiding document collection and bank branch visits
• High probability of application approval

Applying for a loan online is easy:

1. Use the calculator to select the loan amount and duration
2. Complete the online form with valid information
3. Attach your ID card and provide bank account details
4. Receive the money once you agree to the loan terms and conditions

You can repay your loan online by:

• Paying online with a bank card (Visa/Maestro/Mastercard) by visiting horacredit.ro/pay
• Directly from your personal account
• Making a bank transfer from your nearest bank branch or using internet banking to repay the HORA loan
• Paying at the nearest SelfPay location through direct terminal payment

Hora Credit is registered in the General Registry of BNR under no. RG-PJR-41-110313/09.09.2016. We operate in accordance with the provisions of OUG no. 50/2010 and OUG 52/2016 regarding consumer credit agreements, as well as those of Government Ordinance no. 85/2004 concerning consumer protection for concluding and executing distance contracts regarding loans granted to individuals. Hora Credit operates according to the requirements of Law no. 677/2001 annotated by Decision no. 200/2015 and is registered with ANSPDCP as a personal data operator in relation to third parties for assessing customer creditworthiness under no. 37877.