FAQ

We are a platform that allows you to compare and choose a loan service. With our website, you can save time and money by finding the best loan deal for you from multiple lenders. You can easily compare interest rates, repayment terms, fees and other factors.

The most common reasons for loan refusal are: Incorrect completion of the application form Enter your first name, surname and surname as it appears in your passport Complete all fields in the personal area. Providing additional information will increase the likelihood of a positive decision. Change the loan amount to a lower amount or extend the loan period. Make sure you enter the information correctly. Contact the Credit History Bureau Check your credit history. Find out if information on previously closed loans has been updated. You may have closed loans, but the information was not updated on time. Wait a few days after receiving a loan rejection. It is possible that the system will be updated and the decision on your application will be positive.

You can submit a loan application 24 hours a day and receive a decision. Please note that some applications may require additional operator review and will be processed during business hours.

Yes. You can pay off the loan early and thus reduce the cost of using the credit. In this case, you will only pay interest for the days you actually use the credit. You can see the details and cost of the loan in your personal customer office.

If you deliberately evade your obligations, the credit company can start the debt recovery process through the courts. In addition, information about your debts will be passed on to credit bureaus, which will have a negative impact on future attempts to obtain credit from banks or credit companies.

When you apply for the first time to each lending institution, you must fill in all the details on the application form. On subsequent applications, you must log in to your personal space, select the amount required and the duration of the loan.

Durează între 5 și 20 de minute pentru a decide asupra împrumutului și a credita cardul bancar.
Ocazional, cererile vor fi analizate de un specialist dedicat, dar acest lucru este mai neobișnuit, și chiar și atunci procesarea este, de asemenea, rapidă. Clientul nu petrece timp suplimentar așteptând.
Puteți obține informații mai detaliate despre procedura de creditare a conturilor de card prin transfer fără numerar de la banca dumneavoastră.

No need to go to a surgery. You can apply online. The contract is signed electronically. Funds are transferred to the bank card you specify.

Money is available for any purpose. You are absolutely free to choose what you spend the borrowed money on.

This is a three-digit code on the back of your card. It is used to verify the authenticity of your card for all online transactions.

In most cases, you can repay your loan in several ways: by setting up an automatic repayment, from your personal account on the lending company’s website, at BCR branches and by bank transfer to the lending company’s details.

Yes. Repayment is made in instalments that suit you. The fine and penalty interest (if applicable), the interest accrued on the credit agreement and the amount of credit will be repaid first from the payment you have made. Thereafter, interest will only accrue on the balance of the loan amount. The entire amount with interest must be repaid by the end of the loan period at the latest.

Yes, it is possible if you pay your loans on time and have no arrears.

Most companies offer an extension service (extending the term of the loan agreement). You can choose the loan extension period in my Altar app and calculate the mandatory prepayment amount (extension interest rate) based on the extension period.

This is a loan extension service that allows you to reschedule your loan repayment date without incurring penalties and fines and without a negative change in your credit history.

Yes, another person can pay the loan instead of the customer if they agree to do so.