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Overview and features

BEST CREDIT INVEST IFN S.A is a young organization made up of professionals who are able to offer specialized advice to clients in order to find the best lending option and respond quickly to clients’ needs.

The BEST CREDIT team is guided by certain values, including responsibility and transparency, to provide quality services and quick solutions.

All a customer needs to do is to fill in the online application form with their details or leave us a message. In less than 24 hours, a BEST CREDIT financial advisor will contact the client and provide all the information needed to apply for a fast online loan.
If the customer meets all our requirements and the loan application is approved, they will be invited to one of our offices to sign the loan agreement or they can even sign it under the guidance of a BEST CREDIT counselor over the phone.

The money can be transferred to the bank account specified by the client or he can pick it up in cash at one of our offices.

  • Amount up to RON 10,000, term up to 24 months. Interest rate from 0.91%
  • Age – 25 to 73 years old
  • 6 months of work experience at the current place of employment

Best Credit IFN is a microfinance organization in Romania offering accessible and flexible financial solutions for individuals and small businesses. Specializing in quick online loans, Best Credit aims to provide customers with the financial support they need to manage short-term expenses, emergencies, or business opportunities. Their user-friendly platform, transparent terms, and efficient service make it a preferred choice for those seeking immediate financial assistance without the hassle of traditional banking procedures.

How to Take a Loan in Best Credit: Step by Step

  1. Visit the Website:
  2. Select Loan Amount and Term:
    • Use the loan calculator on the homepage to select the desired loan amount and repayment term. Best Credit offers loans ranging from a few hundred to several thousand lei, with flexible repayment periods.
  3. Complete the Application Form:
    • Click on “Apply Now” to start the application process.
    • Fill in the online form with your personal details, including name, address, phone number, and email address.
    • Provide information about your employment and monthly income to assist with the credit assessment.
  4. Submit Required Documents:
    • Upload a copy of your ID and proof of income (e.g., recent payslips or bank statements).
    • You may also need to provide additional documents, such as utility bills, to verify your address.
  5. Review and Submit Application:
    • Carefully review all entered information to ensure accuracy.
    • Agree to the terms and conditions and submit your application for review.
  6. Approval and Contract Signing:
    • After submitting your application, you will receive a preliminary decision within minutes.
    • If approved, you will be sent a contract via email. Read through the contract thoroughly and sign it electronically.
  7. Receive Funds:
    • Once the contract is signed, the loan amount will be disbursed to your bank account. The time it takes to receive the funds can vary but typically occurs within one business day.

How to Repay a Loan in Best Credit: Step by Step

  1. Monthly Statements:
    • Best Credit will send you monthly statements outlining the amount due, including interest and any applicable fees.
  2. Automatic Debit:
    • You can set up an automatic debit from your bank account to ensure timely payments. Make sure there are sufficient funds in your account on the due date.
  3. Online Payment:
    • Log into your Best Credit account on their website.
    • Select the payment option and pay using your bank card.
  4. Bank Transfer:
    • Use your bank’s online banking service or visit a branch to transfer the repayment amount to Best Credit’s designated account.
    • Include your loan contract number in the transfer details for proper processing.
  5. Cash Payment:
    • Visit a partner bank or payment point to make a cash payment. Provide your loan details to complete the transaction.

Pros and Cons of Best Credit


  • Fast and Convenient Application: The online application process is quick and easy, with approvals typically given within minutes.
  • Flexible Loan Amounts and Terms: Customers can choose from a range of loan amounts and repayment periods to suit their needs.
  • Transparent Terms: Clear information on interest rates, fees, and repayment schedules are provided upfront.
  • No Hidden Fees: Best Credit is committed to transparency, ensuring there are no hidden fees or surprise charges.
  • Accessible to a Wide Range of Customers: Best Credit caters to both individuals and small businesses, offering tailored financial solutions.


  • High-Interest Rates: The interest rates on short-term loans can be quite high, which may be costly if the loan is not repaid promptly.
  • Strict Eligibility Criteria: Applicants must meet certain income and employment criteria, which might exclude some potential borrowers.
  • Short Repayment Periods: The maximum repayment term might be too short for some borrowers to comfortably manage.
  • Limited Customer Support: While customer support is available, the lack of physical branches might be a drawback for those who prefer in-person assistance.

FAQ Best Credit

Any Romanian citizen over the age of 18 with a stable income and a valid ID can apply for a loan at Best Credit IFN.

Applicants need to provide a copy of their ID, proof of income (such as recent payslips or bank statements), and potentially additional documents for address verification.

Once approved and the contract is signed, funds are typically disbursed within one business day.

Yes, you can request a loan extension by contacting Best Credit IFN before the due date to negotiate new terms.

Failing to repay on time can result in additional fees and increased interest. It’s crucial to contact Best Credit IFN to discuss possible solutions if you anticipate repayment difficulties.


Best Credit IFN provides a reliable and efficient solution for individuals and small businesses in need of quick financial assistance. Their user-friendly online platform, flexible loan options, and transparent terms make them a favorable choice for short-term borrowing. However, potential borrowers should be mindful of the high-interest rates and ensure they can manage the repayment terms responsibly. Overall, Best Credit IFN stands out as a valuable resource for those seeking immediate financial support in Romania, provided they engage with the service thoughtfully and cautiously.

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