# Credex > Financial solutions for Romanian citizens, offering loans with fixed interest and flexible terms. (iPhone/iPad app by Credex IFN SA.) - Source: https://appshunter.io/ios/app/credex/id1575690141 (this page in markdown: same URL + `.md`) - Developer: [Credex IFN SA](https://appshunter.io/developer/1575690143) - Category: Finance - Price: Free - Age rating: 4+ - Requires: iOS 12.0 · 104 MB - Languages: English, Romanian - Released: 2021-07-15 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/credex/id1575690141/reviews.md ## What is Credex? Daca esti cetatean roman, ai intre 18 si 75 ani (la maturitatea creditului) si ai nevoie de finantare pentru planurile tale, atunci Credex IFN S.A. iti pune la dispozitie solutii financiare transparente, rapide si usor de accesat: - Poti obtine de la 300 lei pana la 50,000 lei (pentru care DAE maxim calculat pe o durata de 59 luni este 35.32%); - Dobanda anuala este fixa pe toata durata finantarii, incepand cu 9.99% pe an; - Poti alege termenul de finantare pentru o perioada intre 61 zile si 59 luni; - Nu iti cerem avans sau garantii. Acceptam o gama variata de venituri: salarii, pensii, venituri din PFA etc. De exemplu, pentru un imprumut de 50,000 lei rambursat in 59 luni, rata anuala (fixa) a dobanzii de 30%, rata lunara este de 1,649.11 lei iar dobanda anuala efectiva (DAE) este de 35.32%. Suma maxima de rambursat este 97,297.21 lei si include: - 50,000 lei (principal) + 290 lei taxa analiza dosar; - comisionul de administrare, in valoare lunara de 10 lei x 59 luni = 590 lei; - 46,417.21 lei, reprezentand dobanda pe 59 luni pentru principal Datele tale personale sunt in deplina siguranta. Politica de confidentialitate Credex IFN S.A. poate fi consultata la adresa https://credex-ifn.ro/politica-de-confidentialitate-app-mob/ ## Key features - Loan amounts from 300 to 50,000 lei - Fixed annual interest rates from 9.99% - Flexible repayment terms (61 days to 59 months) - No down payment or collateral required - Accepts various income types (salaries, pensions, PFA) - Transparent financial solutions ## Recent user reviews (10 of 15) All indexed reviews: https://appshunter.io/ios/app/credex/id1575690141/reviews.md ### 1/5 — Slabă aplicația *2023-12-07, version 1.13.1* Foarte slabă aplicația, multe erori/bug-uri spre exemplu, eu nu am putut să îmi plătesc rata, deoarece când ies din aplicație se resetează tot și consideră ca e prima dată când intru… ### 1/5 — Slab *2023-09-18, version 1.13.0* Nu merge sa plătești rata. ### 1/5 — O gluma de aplicatie 🤦‍♂️ *2022-11-25, version 1.13.0* Valoarea ratei apare cu zero , desi am de platit . Acum va trebui sa merg sa platesc cash de fiecare data ???? O pierdere de timp cu aceasta aplicatie. Cautati pe cineva care sa o faca sa functioneze corect ### 1/5 — problema *2022-11-02, version 1.10.1* te scoate din aplicatie cand sa faci poza la buletin! ### 1/5 — Iese din aplicatie la punerea buletinului! *2022-10-22, version 1.10.1* Iese din aplicatie cand iti cere buletinul!!!!! ### 1/5 — O mizerie *2022-10-17, version 1.10.1* Timp pierdut degeaba nu merge sa scandezi buletinul iese din app ### 2/5 — Credex app *2022-09-14, version 1.10.1* Aplicatia pica atunci cand incerc sa imi verific identitatea, imi pare rau, 2 stele pentru efort, revenim la anul, sau nu ### 1/5 — Nu merge plata *2022-07-20, version 1.10.1* Încercam sa facem plata ratei și nu se face nici o legătura cu banca, nu se validează plata! Aceeași problema o are și prietenul meu! ### 1/5 — Suport… lipsa *2022-07-07, version 1.9.0* Nu se pot vedea cererile pentru rambursare anticipata si la mail-uri nu se deranjeaza nimeni sa raspunda…! ### 5/5 — Ok versiunea noua. Imi place *2022-04-11, version 1.6* Ok versiunea noua. Imi place. Foarte utila ## Frequently asked questions about Credex ### What is the maximum loan amount Credex offers? Credex offers loan amounts from 300 lei up to 50,000 lei. The maximum Annual Percentage Rate (APR) for a 59-month term is 35.32%. ### What are the interest rates for loans from Credex? Credex provides fixed annual interest rates starting from 9.99% per year for the entire financing period. For example, a 50,000 lei loan over 59 months with a 30% fixed annual interest rate results in a monthly payment of 1,649.11 lei. ### What is the repayment period for Credex loans? You can choose a financing term for a period between 61 days and 59 months. The total amount repaid includes the principal, a file analysis fee, a monthly administration fee, and interest. ### Does Credex require a down payment or collateral for loans? No, Credex does not require an advance payment or collateral for its loans. They accept a wide range of income sources, including salaries, pensions, and income from PFA. ### Is my personal data secure with Credex? Yes, your personal data is kept completely secure. Credex IFN S.A. has a privacy policy that can be consulted at https://credex-ifn.ro/politica-de-confidentialitate-app-mob/. ### What types of income does Credex accept? Credex accepts a variety of income sources, including salaries, pensions, and income from PFA (Persoană Fizică Autorizată). This makes their financing accessible to a broad range of individuals. ### What is the age range for Credex loan applicants? To be eligible for financing, you must be a Romanian citizen between 18 and 75 years old at the maturity of the credit. This ensures that applicants are within a suitable age bracket for the loan terms. ## Version history (last 1 release) ### 1.13.0 — 2022-11-16 Actualizare SDK proces identificare la distanta Clienti. ## Apps similar to Credex | App | Rating | Price | Category | | --- | --- | --- | --- | | [SelfPay Now](https://appshunter.io/ios/app/selfpay-now/id1573113657) | 4.3 (6) | Free | Finance | | [Raiffeisen Smart Mobile](https://appshunter.io/ios/app/raiffeisen-smart-mobile/id1255136212) | 4.9 (4,056) | Free | Finance | | [Revolut — Teen Finance](https://appshunter.io/ios/app/revolut-teen-finance/id1499857038) | 4.8 (5,435) | Free | Finance | | [Loan EMI Credit Calculator](https://appshunter.io/ios/app/loan-emi-credit-calculator/id1332930187) | 4.5 (41) | Free | Finance | | [easyMarkets Online Trading](https://appshunter.io/ios/app/easymarkets-online-trading/id348823316) | 4.6 (243) | Free | Finance | | [MyBRD Mobile](https://appshunter.io/ios/app/mybrd-mobile/id720180336) | 1.5 (37) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*