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Overview of Viaconto

Viaconto is a microfinance institution in Romania, providing quick and accessible financial solutions for individuals in need of short-term loans. Operating entirely online, Viaconto emphasizes speed and convenience, ensuring that customers can apply for, receive, and repay loans without ever visiting a physical branch. Their service is designed to be straightforward, catering to individuals who require immediate financial support for emergencies or unforeseen expenses.


VIACONTO Romania is an online lending company that offers short-term unsecured loans from ROM 200 to ROM 4000 with flexible repayment terms.

  • The customer is under 20 years of age or over 65 years of age.
  • The client does not have a salary account or an active card
  • Loans from ROM 200 to ROM 4000

How to Take a Loan in Viaconto: Step by Step

  1. Select Loan Amount and Duration:
    • Visit the Viaconto website.
    • Use the slider to choose the amount you wish to borrow, ranging from 100 to 2000 lei.
    • Select the repayment period, typically between 5 to 30 days.
  2. Fill Out the Application Form:
    • Click on “Aplică acum”.
    • Enter your personal details including your name, email, phone number, and address.
    • Provide your financial information such as your monthly income and employment status.
  3. Verify Information:
    • Upload a copy of your ID and a recent bank statement.
    • Take a selfie with your ID to confirm your identity.
  4. Submit Application:
    • Review all entered information for accuracy.
    • Agree to the terms and conditions and submit your application.
  5. Receive Approval:
    • Wait for an approval decision, which usually takes about 15 minutes.
    • You will receive a notification via SMS and email.
  6. Sign the Contract:
    • Log into your Viaconto account to review and electronically sign the loan agreement.
  7. Receive Funds:
    • Choose the method of receiving the funds, either directly into your bank account or by picking up cash from a partner bank.

How to Repay a Loan in Viaconto: Step by Step

  1. Automatic Bank Debit:
    • Ensure your bank account has sufficient funds.
    • Viaconto will automatically debit the repayment amount on the due date.
  2. Online Payment:
    • Log into your Viaconto account.
    • Choose the repayment option and pay using your bank card.
  3. Bank Transfer:
    • Use your bank’s online banking service to transfer the repayment amount to Viaconto’s account.
    • Include your contract number in the transfer details to ensure proper processing.
  4. In-person Payment:
    • Visit a bank branch to make a payment directly at the cashier.
    • Provide your loan details to complete the payment.

Pros and Cons of Viaconto


  • Fast and Easy Application: The entire loan process is quick, with approvals typically within 15 minutes.
  • 100% Online Service: No need to visit a branch; all steps can be completed online.
  • Transparent Terms: Fixed interest rates and clear terms are provided upfront.
  • Flexible Loan Amounts: Customers can choose from a variety of loan amounts to suit their needs.


  • High-Interest Rates: The daily interest rate can accumulate quickly, making the loan expensive if not repaid promptly.
  • Short Repayment Periods: The maximum repayment term is 30 days, which might be challenging for some borrowers.
  • Eligibility Requirements: Strict requirements for applicants, including age limits and proof of stable income.

FAQ Viaconto

Individuals aged 20 to 70 with a stable income, a valid Romanian ID, an active phone number, and a bank account can apply.

Applicants need to submit a copy of their ID, a selfie with the ID, and a recent bank statement.

Once approved, funds are transferred immediately on business days. Typically, it takes up to one business day to see the funds in your account.

Yes, you can request an extension by contacting Viaconto before the due date to negotiate new terms.

Failure to repay on time can result in additional fees and interest. It’s important to contact Viaconto to discuss possible solutions if you’re unable to meet the repayment deadline.


Viaconto offers a reliable and convenient solution for those in need of immediate financial assistance. The simplicity and speed of their online process make it an attractive option for short-term loans. However, borrowers should be cautious of the high-interest rates and short repayment periods, ensuring they can meet the repayment terms before taking out a loan. Overall, Viaconto serves as a helpful tool for emergency financial needs, provided that users engage with the service responsibly.