123Credit.ro

What 123Credit.ro does

123Credit.ro, legally 123 Credit Opportunity Solutions S.R.L., is a Romanian digital credit broker and comparison marketplace founded in 2020 and headquartered in Bucharest. The platform aggregates 150+ credit products from 20+ partner banks and non-bank financial institutions (IFN), enabling individual consumers to compare mortgage, personal loan, refinancing, Prima Casă/Noua Casă government program, and IFN offers in a single interface. Underlying technology includes calculators and simulators for borrowing capacity (CPI), debt-to-income analysis under BNR limits, and automated income verification through integration with ANAF, plus credit-bureau lookups through Biroul de Credit for FICO eligibility checks.

The company operates a hybrid distribution model combining a fully digital self-service application flow with a nationwide physical broker network across 41 Romanian cities, where consultants assist with documentation and bank liaison. The platform is structured around product-specific calculators and simulation tools for each credit category, a broker portal for partner productivity, and brand-extended surfaces covering SME credit (123Companii.ro) and auto/equipment leasing (123Leasing.ro). Compliance with Romanian broker regulation OUG 52/2016, GDPR, and CCPA is maintained, with a documented DPO function and consent-based data processing.

Revenue is generated exclusively through commissions from partner financial institutions, as the consumer-facing service is free by law. Lead-generation and affiliate-referral mechanics drive monetization, supplemented by ancillary paid services such as a 20-lei Biroul de Credit inquiry. The company is privately held, with no disclosed external funding rounds, parent entity, or M&A activity, and reports 33 employees.

Name

123Credit.ro

Legal name

123 Credit Opportunity Solutions S.R.L.

Website

https://123credit.ro

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

123Credit.ro is a Romanian digital credit broker and comparison marketplace aggregating 150+ offers from 20+ banks and IFNs, serving individual borrowers nationwide through a digital platform and a 41-city physical broker network.

Ownership category

akta.pro rank

Product category

Credit Brokerage & Loan Comparison Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Credit broker services
• Loan comparison platform
• Mortgage aggregator
• Financial marketplace
• Credit intermediary

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Commission from Financial Institutions: 123Credit acts as a credit broker and receives commissions exclusively from partner banks and IFN institutions (Entitățile Creditoare). The service is completely free for consumers per OUG 52/2016 regulation. Commissions are regulated by service contracts with each financial institution partner.
2. Lead Generation Fees: Generates revenue by sending qualified credit applications to partner banks and IFN institutions. Each completed application submission represents a lead monetized through referral commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

123Credit.ro is an online credit broker and loan aggregator that operates a marketplace platform aggregating 150+ credit offers from 20+ partner banks and non-bank financial institutions (IFN-uri) across Romania. The platform enables consumers to compare, simulate, and apply for mortgage loans, personal loans, Prima Casă/Noua Casă government first-home program loans, IFN loans, refinancing products, auto and equipment leasing, and specialized credit such as medical and vacation loans. Services are delivered through a digital self-service platform complemented by a nationwide network of physical credit brokers in 41 Romanian cities.

Product overview

123Credit.ro is an online credit broker and comparator platform operating as a marketplace that aggregates credit products from 20+ financial institution partners into a unified digital platform. The core offering centers on comparison and application tools for mortgage loans (Calculator Credit Ipotecar, Simulare Credit Ipotecar, Refinanțare Credit Ipotecar), personal loans (Calculator Credit Nevoi Personale, Simulare Credit Nevoi Personale, Refinanțare Credit Nevoi Personale), government first-home programs (Calculator Credit Prima Casă / Noua Casă, Simulare Credit Prima Casă, Refinanțare Credit Prima Casă), and non-bank lending (Credit IFN, Refinanțare Credit IFN). Additional tools include a borrowing capacity calculator (Calculator CPI), credit bureau score inquiry (Interogare Scor FICO), and specialized products such as mortgages with foreign income, medical loans, auto loans, and vacation loans. The platform also extends to business financing via the sub-brand 123Companii.ro and equipment/auto leasing through 123Leasing.ro. Users compare offers and submit applications entirely online, while a network of physical credit brokers provides in-person support across 41 Romanian cities.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Credit Comparison & Application (Credite Ipotecare) Mortgage loan comparison and application service aggregating real-time offers from 20+ partner banks. Covers loans up to €1,000,000 over 5-35 years with fixed or variable rates. Customers can calculate monthly payments, compare rates side-by-side, switch between fixed and variable, and apply digitally with optional broker support for residential purchase and refinancing.
• Personal Loan Comparison & Application (Credite Nevoi Personale) Unsecured personal loan comparison and application service aggregating 150+ offers from banks and IFN providers. Supports loans from 200 to 125,000 lei over 6-84 months with optional co-borrower and life insurance features. Customers can simulate rates, compare total costs, and apply 100% online with same-day decisions from select institutions.
• Prima Casă / Noua Casă Government First-Home Program Government-subsidized first-home loan service for the Prima Casă/Noua Casă program. Features 5% minimum down payment, state guarantee of up to 50%, and maximum values of €70,000 for apartments and €140,000 for houses. Comparison across 20+ partner banks with refinancing options delivering up to 30% monthly savings.
• IFN Non-Bank Credit Service (Credit IFN) Non-banking financial institution (IFN) credit service offering fast loans from 200 to 60,000 lei without real estate collateral. Includes revolving credit lines, same-day card disbursement, and loan options for applicants with prior payment issues (excluding active defaults).
• Foreign Income Mortgage Service (Credit Ipotecar cu Venituri din Străinătate) Specialized mortgage product for Romanian residents earning income abroad (EU, SEE, Switzerland, UK, USA, Canada). Accepts 70-100% of net foreign income with loans up to 2,000,000 RON over 35 years and digital application process requiring limited physical presence.
• FICO Score Inquiry Service (Interogare Scor FICO / Biroul de Credit) Credit bureau inquiry service enabling users to check their Romanian credit history and FICO score through 123Credit without visiting a branch. Costs 20 lei per inquiry and does not affect the FICO score, allowing users to assess eligibility before formal application.
• Medical Loan Service (Credit Medical) Specialized personal loan product for medical procedures including dental work, plastic surgery, and general surgery. Offers amounts from 100 to 900,000 lei with approval timelines under 48 hours, allowing patients to finance healthcare expenses.
• Auto Loan Service (Credit Auto) Vehicle purchase financing comparison service aggregating auto loan offers from banks and IFN providers. Covers amounts from 200 to 125,000 lei for unsecured loans and larger secured options, with comparison across multiple partner institutions.
• Vacation Loan Service (Credit Vacanță) Personal loan product for travel and lifestyle financing. Offers 15,000-250,000 lei without collateral plus a higher-value secured option backed by residential property mortgage up to €150,000 equivalent in lei for larger lifestyle investments.
• Auto Leasing Service (Leasing Auto) Auto and equipment leasing comparison platform offering financial and operational leasing for vehicles and equipment to businesses and individuals. Holds a 4.8/5 customer rating across 171 Google Reviews.
• Equipment Leasing Service (Leasing Echipamente) Equipment leasing service for production machinery, agricultural tractors, medical equipment, and photovoltaic panels. Offers both financial leasing and operational leasing structures for business customers.
• Business Credit Service (Credit Firmă / 123Companii.ro) Business credit services accessible through the affiliated brand 123Companii.ro, offering SME financing solutions separate from the consumer credit platform. Provides Romanian small and medium businesses with access to business credit products aggregated from partner banks.
• National Credit Broker Network Service Physical credit broker consultation service available across 41 Romanian cities including București, Cluj, Iași, Timișoara, Constanța, Craiova, and others. Provides in-person consultation, document handling, application assistance, and bank liaison services for customers preferring face-to-face support over digital self-service.

Quantifiable outcome

• Apply for credit in under 5 minutes
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

30 partnerships are on record, tiered core and minor.

• Unicredit Consumer FinancingcoreChannel Partner/ Reseller/ DistributorMajor Romanian banking group providing consumer financing products distributed through 123Credit platform. One of 20+ financial institution partners offering mortgage and personal loan products.
• TBI BankcoreChannel Partner/ Reseller/ DistributorBulgarian-rooted bank operating in Romania offering personal loans and credit products through the 123Credit comparison platform.
• BCR (Banca Comercială Română)coreChannel Partner/ Reseller/ DistributorRomania's largest banking group by assets, providing mortgage loans, personal loans, and Prima Casă/Noua Casă program products through 123Credit platform.
• ING Bank RomâniacoreChannel Partner/ Reseller/ DistributorDutch multinational bank offering mortgage and personal loan products in Romania through 123Credit's digital distribution channel.
• BRD Groupe Société GénéralecoreChannel Partner/ Reseller/ DistributorFrench banking group's Romanian subsidiary offering credit products through the 123Credit comparison marketplace.
• Banca TransilvaniacoreChannel Partner/ Reseller/ DistributorRomania's second-largest bank by assets, providing mortgage loans, personal loans, and business credit through 123Credit's platform.
• UniCreditcoreChannel Partner/ Reseller/ DistributorItalian banking group operating in Romania, providing credit products through 123Credit's distribution network.
• ProCredit BankcoreChannel Partner/ Reseller/ DistributorGerman development bank focusing on SME and green financing, offering credit products through 123Credit platform.
• Raiffeisen BankcoreChannel Partner/ Reseller/ DistributorAustrian banking group's Romanian operation, providing mortgage and personal loan products via 123Credit.
• Garanti BBVAcoreChannel Partner/ Reseller/ DistributorTurkish-Spanish banking group's Romanian subsidiary offering credit products through 123Credit's comparison platform.
• Patria BankminorChannel Partner/ Reseller/ DistributorRomanian retail bank offering credit products through 123Credit's distribution channel.
• NEXENT BANKminorChannel Partner/ Reseller/ DistributorDigital-focused bank partner providing credit products through 123Credit's online platform.
• Libra Internet BankminorChannel Partner/ Reseller/ DistributorRomanian bank focused on internet and tech-savvy customers, providing credit products via 123Credit.
• Exim Banca RomaneascaminorChannel Partner/ Reseller/ DistributorRomanian export-import bank offering credit products through 123Credit platform.
• iCreditcoreChannel Partner/ Reseller/ DistributorIFN (non-bank financial institution) providing personal loans and credit products, specializing in serving customers who may not qualify for traditional bank loans.
• Mogo IFNcoreChannel Partner/ Reseller/ DistributorNon-bank financial institution specializing in car loans and personal credit, available through 123Credit's comparison platform.
• CrediusminorChannel Partner/ Reseller/ DistributorRomanian IFN providing personal loans and credit solutions available through 123Credit platform.
• Speed FinanciarminorChannel Partner/ Reseller/ DistributorRomanian non-bank financial institution providing fast credit solutions through 123Credit.
• Axi CardminorChannel Partner/ Reseller/ DistributorCredit card and financing products provider available through 123Credit comparison platform.
• CreditPrimeminorChannel Partner/ Reseller/ DistributorNon-bank credit provider offering personal loans and refinancing options through 123Credit.
• Ocean CreditminorChannel Partner/ Reseller/ DistributorRomanian IFN providing credit products available through 123Credit's digital platform.
• Viva CreditminorChannel Partner/ Reseller/ DistributorNon-bank financial institution offering credit solutions available on 123Credit.
• Happy CreditminorChannel Partner/ Reseller/ DistributorIFN providing consumer credit products available through 123Credit platform.
• CredexminorChannel Partner/ Reseller/ DistributorRomanian non-bank credit provider available on 123Credit comparison marketplace.
• Claret CreditminorChannel Partner/ Reseller/ DistributorNon-bank credit institution available through 123Credit's partner network.
• Simplu CreditminorChannel Partner/ Reseller/ DistributorRomanian IFN specializing in simplified credit solutions available on 123Credit.
• Leasing Companies (Unnamed)coreChannel Partner/ Reseller/ DistributorPartnership with major Romanian leasing companies for auto and equipment leasing products, providing both financial and operational leasing options for businesses.
• ANAF (Agenția Națională de Administrare Fiscală)coreTechnology or IntegrationRomanian National Agency for Fiscal Administration. 123Credit integrates with ANAF database for automatic income verification, enabling paperless credit applications for customers with declared income.
• Biroul de Credit (Credit Bureau)coreTechnology or IntegrationRomanian credit bureau providing FICO scoring and credit history data. 123Credit enables customers to check their credit bureau status for 20 lei without affecting their actual credit score.
• Insurance Partners (Brokers)minorChannel Partner/ Reseller/ DistributorPartnership with insurance brokers for mandatory property insurance required for mortgage loans, integrated into the credit application process.

Scale indicators5 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• Finzoom.ro: Romanian financial product comparison site covering credits, deposits and banking products. Comparable as another Romanian aggregator competing for the same borrower-lender matching demand.
• Money.ro: Romanian online financial product comparison platform offering credit, loan and banking product comparisons. Directly comparable as a competing credit marketplace targeting Romanian consumers with similar bank and IFN partnerships.
• ComparaCredite.ro: Romanian credit comparison and brokerage platform aggregating personal loan and mortgage offers from Romanian banks and IFNs. Directly comparable as a head-to-head competitor in the Romanian online credit broker space.
• Conso.ro: Romanian credit and banking comparison site covering personal loans, mortgages and bank products. Directly comparable as it operates the same credit brokerage marketplace model in Romania with affiliate commission economics.
• eCredit.ro: Romanian online credit comparison and brokerage service focused on consumer loan offers. Directly comparable as a competing Romanian credit marketplace with similar affiliate commission model.

Others

• Credius IFN: Romanian non-bank financial institution (IFN) offering personal loans. Comparable as one of 123Credit's distribution partners but also a potential vertical competitor if it scaled its own direct-to-consumer acquisition channels.

Broad incumbents

• LendingTree: US-headquartered online loan marketplace connecting borrowers with multiple lenders across mortgages, personal and business credit. Comparable as the global reference model for online credit aggregation and lender-paid commission economics.
• Check24 (Germany): Largest German comparison portal covering credit, insurance, banking and telecom products. Comparable as a much broader incumbent in the same credit comparison and brokerage category, with similar affiliate-revenue model across multiple lending verticals.
• Verivox (Germany): German comparison platform with strong credit and banking product offering, including loan brokerage. Comparable as an established comparison marketplace monetizing via lender commissions across European financial products.

Regional players

• Lendo (Spain): Spanish online credit comparison platform operated by Nordic Auto-Bank group, matching borrowers with banks on personal loans and refinancing. Comparable as a European credit marketplace with similar broker economics, though serving Iberia rather than Romania.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/123Credit.ro
• LinkedInlinkedin.com/company/123credit-ro

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 123Credit.ro