Viva Credit IFN SA

What Viva Credit IFN SA does

Viva Credit IFN SA is a Romanian non-banking financial institution (IFN) founded in 2010 and headquartered in Bucharest. The company provides unsecured revolving consumer credit lines under its core product "Creditul Viva," offering approved limits of 100 to 20,000 lei over a 60-month revolving period with fixed daily interest rates of 0.4%-1%, depending on the credit limit. The target customer is Romanian residents over 18 with stable income from salary, pension, or self-employment activities (PFA, PFI, II, IF) who require rapid access to small sums for unexpected expenses such as medical bills, home or car repairs, school fees, and bill payments before payday.

The underlying platform is entirely digital. Customers complete applications online through the website or native mobile apps (iOS, Android, and Huawei AppGallery), receive automated approval decisions within 15 minutes, and access funds via instant bank transfers to their personal card 24/7, including weekends. Interest accrues only on amounts actually withdrawn, not on the total approved limit, and repaid funds become available again within the revolving period. The company holds BNR General Registry registration RG-PJR-41-110267/2010 and Special Registry registration RS-PJR-41-110103/2018, providing regulated-entity legitimacy in the Romanian consumer credit market. The technology stack supports automated credit decisioning, automatic card-based repayment, and integration with major Romanian banks for payment processing.

Revenue is generated primarily through daily interest charges on outstanding revolving balances, with a representative DAE (APR equivalent) of 2,321.01% on a 1,500 lei sample, and secondary income from late-payment penalties at the standard interest rate. New customers receive 0% interest for the first 7 days on limits up to 5,000 lei as an acquisition incentive. Distribution is exclusively digital with no physical branches, supported by payment partnerships with eight major Romanian banks (UniCredit, BCR, BRD, Raiffeisen, Banca Transilvania, ING, Garanti, CEC) and SelfPay/StartPay terminal networks for cash deposits. Customer acquisition combines content marketing via blog and social media (Facebook, Instagram, YouTube, TikTok, LinkedIn, X), a referral program paying 200 lei per successful referral, and recurring promotional campaigns with prize draws (eMAG, Kaufland vouchers).

Name

Viva Credit IFN SA

Legal name

VIVA CREDIT IFN S.A.

Website

https://vivacredit.ro

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Viva Credit IFN SA is a Romanian non-banking financial institution founded in 2010 that provides 100% digital revolving consumer credit lines of 100-20,000 lei to individual Romanian borrowers seeking rapid online access to funds for unexpected expenses before payday.

Ownership category

akta.pro rank

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Revolving Credit Interest: The primary revenue stream comes from daily interest charges (0.4%-1% per day) on used credit amounts. Interest is calculated only on withdrawn sums, not on the total credit limit. For a 1,500 lei withdrawal, the representative example shows 1,500 lei interest over 12 months, totaling 3,000 lei payable.
2. Late Payment Penalties: Penalty interest at the same rate as standard interest (0.4% per day) applied to outstanding amounts from the day after due date, generating additional revenue from delinquent accounts.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Viva Credit IFN SA is a Romanian non-banking financial institution that provides a fully online revolving credit line (Creditul Viva / Linia de Credit) ranging from 100 to 20,000 lei, with 15-minute approval, instant 24/7 disbursement to the customer's card, and interest charged only on amounts actually withdrawn. The product is available 100% online via website and iOS/Android/Huawei mobile apps, requires only an ID document, and targets Romanian adults with stable income who need quick access to funds for unexpected expenses.

Product overview

Viva Credit IFN SA is a non-bank financial institution (IFN) offering a unified revolving credit line product called Creditul Viva (also marketed as Creditul Până la Salariu and Linia de Credit). The core product provides credit limits ranging from 100 to 20,000 lei with a 60-month revolving period, fixed daily interest rates (0.4%-1%), and 0% interest for new customers in the first 7 days (up to 5,000 lei limit). The offering is distributed through multiple product variants including online, rapid, urgent, installment, and ID-only credit products. The product portfolio is accessible 100% online via web and mobile applications (iOS, Android, Huawei), with instant fund transfers available 24/7 including weekends.

Differentiator

Problem solved

Functional benefit

Brands

• Creditul Viva: A revolving credit line product allowing customers to withdraw funds up to 20,000 lei with daily interest only on amounts used.
• Credit Până la Salariu

Products and services

• Creditul Viva (revolving credit line) A revolving line of credit (also marketed as Creditul Până la Salariu and Linia de Credit) for Romanian adults aged 18+ with stable income. Credit limits range from 100 to 20,000 lei, available for up to 60 months, with fixed daily interest between 0.4% and 1%. New customers receive 0% interest for the first 7 days on limits up to 5,000 lei. Customers pay interest only on withdrawn amounts; the available credit replenishes after repayment.
• Cardul Viva Credit Physical or virtual card linked to the Viva Credit credit line that enables fund withdrawals and repayments.
• Aplicația mobilă Viva Credit Mobile application for iOS, Android, and Huawei devices that lets Viva Credit customers make payments, withdraw funds, view their credit status, and manage their account 24/7.

Quantifiable outcome

• 9 out of 10 customers satisfied with services and would recommend to friends (internal study)

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• UniCredit BankcoreOthersBank partner for payment processing. Customers can make payments to Viva Credit accounts at UniCredit Bank (RO13 BACX 0000 0005 2669 3011) and make cash deposits at UniCredit branches.
• BCR (Banca Comercială Română)coreOthersBank partner for payment processing and cash deposits. Viva Credit accounts at BCR (RO68 RNCB 0072 1195 1733 0001) and cash deposit option at BCR branches.
• BRD (Groupe Société Générale)minorOthersBank partner for payment processing via bank transfer to Viva Credit account (RO25 BRDE 410S V010 4788 4100).
• Raiffeisen BankminorOthersBank partner for payment processing via bank transfer to Viva Credit account (RO17 RZBR 0000 0600 1327 5798).
• Banca TransilvaniaminorOthersBank partner for payment processing via bank transfer to Viva Credit account (RO19 BTRL 0430 1202 6724 27xx).
• ING BankminorOthersBank partner for payment processing via bank transfer to Viva Credit account (RO56 INGB 0000 9999 0459 2950).
• Garanti BankminorOthersBank partner for payment processing via bank transfer to Viva Credit account (RO08 UGBI 0000 0220 2029 2RON).
• CEC BankcoreOthersBank partner for payment processing and cash deposits. Viva Credit accounts at CEC Bank (RO29 CECE B309 30RON 3699983) and cash deposit option at CEC branches.
• SelfPay / StartPayminorOthersPayment terminal partners allowing customers to make credit repayments at SelfPay and StartPay terminals nationwide using their Viva Credit client code.
• Asociația Climb AgainminorOthersCSR partnership supporting children with disabilities through climbing therapy. Viva Credit provides financial support for the Climb Again Center that helps approximately 2000 children annually.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Provident (International Personal Finance): One of the largest home credit and consumer lending operators in Romania and Eastern Europe, directly competing with Viva Credit in unsecured short-term consumer loans distributed digitally and via agents.
• TBI Bank: Bulgarian-headquartered challenger bank with a large Romanian consumer lending business, offering unsecured personal loans and credit lines through both digital and branch channels.
• Multitude SE (formerly Ferratum): Helsinki-listed digital lender offering revolving credit lines and single-payment consumer loans across multiple European markets including Romania, with a comparable product-led, online-only model.

Emerging players

• Revolut: Global digital fintech rolling out consumer lending and BNPL products across Europe including Romania, threatening Viva Credit's positioning in the digital, instant-decision consumer credit segment.

Broad incumbents

• Alpha Bank Romania: Greek-owned commercial bank operating in Romania offering personal loans and overdraft credit lines to retail customers, competing with Viva Credit for unsecured consumer credit demand.
• Cetelem Romania (BNP Paribas Personal Finance): BNP Paribas Personal Finance's Romanian consumer lending arm offering personal loans and credit lines — a larger, well-capitalized incumbent competing in the same Romanian unsecured consumer credit market.
• OTP Bank Romania: Large Hungarian-owned commercial bank in Romania with a developed consumer lending franchise (Cash Credit, personal loans) overlapping with Viva Credit's target use cases and customer segment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/vivacredit
• YouTubeyoutube.com/user/VivaCredit
• Facebookfacebook.com/vivacredit.ro
• LinkedInlinkedin.com/company/viva-credit-ifn-sa
• Instagraminstagram.com/vivacredit.ro
• TikToktiktok.com/@vivacredit.ro

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Viva Credit IFN SA