Credit Fix IFN

Name

Credit Fix IFN

Legal name

CREDIT FIX IFN S.A.

Website

https://creditfix.ro

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Online consumer lending
• Non-bank financial services
• Revolving credit lines
• Instant personal loans
• Digital microcredit

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, Operations, Marketing or Sales

Revenue model

1. Revolving Line of Credit Interest: Interest accrues daily only on the amount drawn from the credit line, for the number of days the funds are used. No interest is charged if no funds are drawn. First 10 days on the initial draw are interest-free for new customers. Subsequent draws carry interest between 0.8% and 1.0% per day.
2. Penalty Interest: Penalty interest of 1.2% per day is applied for late payments beyond the due date, generating additional revenue from defaulted accounts.
3. No Commission Revenue Model: The company explicitly states zero commitment fees, zero administration fees, zero analysis fees, and zero early repayment penalties. Revenue is derived entirely from interest on drawn amounts and penalty interest.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Credit Fix IFN provides 100% online revolving credit lines of up to 10,000 lei with 5-year validity to Romanian consumers and SMEs. The product requires no physical documents, no credit bureau verification, and no guarantor, with approval in minutes and instant fund disbursement to any bank card or IBAN. First 10 days on the initial draw are interest-free for new customers; subsequent draws are charged 0.8%-1.0% daily interest on the amount used.

Product overview

Credit Fix IFN is a non-banking financial institution (IFN) regulated by BNR, offering a digital-first credit platform centered on a revolving credit line product. The core offering is the Linie de Credit (Credit Line) providing up to 10,000 lei with 5-year validity and 0% interest for the first 10 days. This is complemented by 24/7 Instant Credit availability, SME Credit for business customers (launched 2023), and Product Financing Credit (launched 2026). Multiple payment methods are supported including RoPay, PayPoint, MobilPay, and Visa/Mastercard. The company operates entirely online without physical branch service, with services accessible through web platform and client account.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Line (Linie de Credit) Revolving credit line of up to 10,000 lei valid for 5 years, with 0% interest for the first 10 days on the initial draw for new customers. Subsequent draws are charged 0.8%-1.0% daily interest on the amount used. No commitment, administration, analysis, or early repayment fees apply. Funds are transferred directly to the customer's bank card or IBAN.
• 24/7 Instant Credit Round-the-clock instant credit access available any day and hour, enabling immediate funding for emergencies without branch visits. Available to both new and existing customers via the online platform.
• SME Credit Business credit product launched in 2023, providing financial support for small and medium enterprises needing rapid working capital or cash flow bridging.
• Product Financing Credit Credit for products and services launched in 2026, allowing customers to finance purchases of products and services through partner merchants.

Quantifiable outcome

• Approval takes minutes rather than days compared to traditional banks
• +3 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• RoPaycoreTechnology or IntegrationRoPay is a 100% Romanian instant payment solution. CreditFix became the first IFN in Romania to integrate RoPay in 2025, enabling clients to make instant transfers to any bank 24/7. This is described as a national first and a core differentiator.
• Fundatia Grigore AlexandrescuminorOthersSocial responsibility partnership supporting community development and access to quality medical services.
• Asociatia Inima CopiilorminorOthersSocial responsibility partnership supporting children's health initiatives.
• Daruieste ViataminorOthersSocial responsibility partnership supporting cancer patients and related healthcare causes.
• Fundatia Romanian Business LeadersminorOthersPartnership supporting entrepreneurial education and business leadership development programs.
• Centrul de Solutionare Alternativa a Litigiilor din Domeniul Bancar (CSALB)minorOthersCreditFix is registered with CSALB for the alternative resolution of financial disputes, as required for consumer protection compliance.
• InsideMedia SRLminorOthersInsideMedia SRL hosts and stores CreditFix customer data in Romania, as stated in the privacy notice.
• SendmachineminorOthersSendmachine acts as the email service provider for CreditFix's newsletter distribution. Customer data is uploaded to Sendmachine for newsletter delivery purposes.
• Biroul Istoriilor de Credit Infodebit SRLminorOthersCreditFix transmits customer credit behavior and history data to Infodebit for credit risk evaluation purposes, as required by law for responsible lending assessment.

Scale indicators6 records

Recent moves12 records

Expansion highlights5 records

Direct peers

• Provident (Romania): Provident is one of Romania's largest IFNs and direct competitors to CreditFix in personal consumer credit, offering home-collected and online loans to similar segments including salaried employees and pensioners.
• Cetelem (BNP Paribas Personal Finance Romania): Cetelem operates as a Romanian-licensed lender under BNP Paribas Personal Finance, offering consumer credit and store financing that directly compete with CreditFix's revolving and product financing products.
• TBI Credit: TBI Credit is a Romanian non-bank lender active in consumer credit, retailer financing, and digital lending, with overlapping product categories in revolving and installment credit.
• Easy Credit (IFN): Easy Credit is a Romanian IFN providing online consumer loans up to similar ticket sizes as CreditFix, targeting the same underbanked segments through a fully digital funnel.
• Hora Credit: Hora Credit is a Romanian online IFN serving consumers seeking fast, small-ticket personal loans, directly competing with CreditFix on ticket size, speed of approval, and digital UX.
• Ferratum Money (Romania): Ferratum is a European digital consumer lender operating in Romania, offering small-ticket online loans with similar speed and online disbursement mechanics to CreditFix.
• Viva Credit (IFN): Viva Credit is a Romanian IFN offering small-ticket online consumer loans to salaried and pensioned individuals with similar speed and online onboarding to CreditFix.
• CreditPrime (IFN): CreditPrime is a Romanian IFN offering online personal loans to similar customer segments, with comparable product structure to CreditFix's revolving credit line.

Regional players

• Kiwi Finance: Kiwi Finance is a Romanian credit broker and comparison platform that intermediates loans from multiple lenders, competing indirectly with CreditFix for the underbanked consumer borrower seeking small-ticket loans.

Broad incumbents

• BRD (Société Générale) Consumer Credit Romania: BRD, part of Société Générale, is one of Romania's largest banks and a major provider of consumer credit, competing broadly with CreditFix in the personal loan space through both branch and digital channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCzrF8xsoon0wH7hgCf1GP-g
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/creditfix-ifn

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Credit Fix IFN