Fast credit, 100% digital

The fastest, simplest credit application: fill in one online application, and we connect you with the right offer for you.

See how it works

Want to know where you stand before applying? Your official Credit Bureau report, with FICO score — only 10 RON.

Credit application through Finovo

We send the application to the right bank.

0FICO scoreVery good

Credit profile

Indicative preview

Indicative estimate

FICO protected: no Credit Bureau inquiry affects your score.
Biroul de Credit

Participants in the Credit Bureau network in Romania

BRDBanca Comercială RomânăBanca TransilvaniaRaiffeisen BankING BankAlpha Bank RomâniaCEC BankUniCredit BankGaranti BankFirst BankBNP Paribas Personal FinanceIntesa Sanpaolo Bank RomâniaNexent BankCreditcoopSalt BankVista BankPatria BankCredex BankBCR Banca pentru LocuințeLibra Internet BankTechVentures BankBanca Română de Credite și InvestițiiProCredit BankUniCredit Consumer FinancingProvidentTBI MoneyRCI LeasingBT DirectEasy Asset ManagementBCR Social FinancePatria CreditCrediusMogoViva CreditAXI FinanceSimplu CreditVitasMK KreditEasy CreditMozipoMarck LeasingOcean CreditBCR LeasingHora CreditROCapitalBest CreditCredexEcoFinanceBT MicrofinanțareMobilo FinanceBSG CreditOmroFlex FinancialBusiness MicrocreditOney BankMultitude BankRevo TechnologiesHumanik CreditViaConto MinicreditRevolut BankMaiMaiCreditOntopayOkCreditExim Banca RomâneascăTBI BankPorsche LeasingTarfinPayPoLeanpayGarantare și CreditareHeyBluSfera CreditAvinto FinanceSun CreditPlus CreditAddiko BankCredit Online
BRDBanca Comercială RomânăBanca TransilvaniaRaiffeisen BankING BankAlpha Bank RomâniaCEC BankUniCredit BankGaranti BankFirst BankBNP Paribas Personal FinanceIntesa Sanpaolo Bank RomâniaNexent BankCreditcoopSalt BankVista BankPatria BankCredex BankBCR Banca pentru LocuințeLibra Internet BankTechVentures BankBanca Română de Credite și InvestițiiProCredit BankUniCredit Consumer FinancingProvidentTBI MoneyRCI LeasingBT DirectEasy Asset ManagementBCR Social FinancePatria CreditCrediusMogoViva CreditAXI FinanceSimplu CreditVitasMK KreditEasy CreditMozipoMarck LeasingOcean CreditBCR LeasingHora CreditROCapitalBest CreditCredexEcoFinanceBT MicrofinanțareMobilo FinanceBSG CreditOmroFlex FinancialBusiness MicrocreditOney BankMultitude BankRevo TechnologiesHumanik CreditViaConto MinicreditRevolut BankMaiMaiCreditOntopayOkCreditExim Banca RomâneascăTBI BankPorsche LeasingTarfinPayPoLeanpayGarantare și CreditareHeyBluSfera CreditAvinto FinanceSun CreditPlus CreditAddiko BankCredit Online

Guaranteed security

AJPIS authorized
Education
OPCSB registered
Prevention
ANSPNDP registered
Privacy
ISO 9001, 4001, 27001
Standardization
ANPC authorized
Protection
Credit Bureau
Credit Bureau
FNGCIMM
First Home
EuPlatesc
Secure payments
ASF insurance
Supervision
ADR digitalization
Digitalization

Features

Everything you need for smart financial decisions.

Credit application
100%digital

The fastest credit application

Apply fully digitally, and we connect you with the right offer for you.

FICO score
60sto your score

Your real FICO score

Official Credit Bureau report with FICO score, at a transparent price — only 10 RON. Track your progress over time.

Analysis
24/7permanent access

Understand your complete financial profile

Detailed reports, trends, and personalized recommendations to improve your financial health.

Security
AES-256end-to-end encryption

Your data, protected

Your data is transmitted securely, confidentially, and with GDPR protection. Your FICO score is not affected.

How it works

Three steps to
the right credit for you.

01

Create your account

Takes under a minute. You only need your email and phone number.

02

Apply 100% digitally

Complete your credit application online, in minutes, right from your phone.

03

Get the right offer

We connect you with the right offer for you — no bank visits, no paper files.

Testimonials

Join the many
users in Romania.

Average rating4.85 out of 5
A

Andrei M.

Software engineer, Bucharest

I got a mortgage loan with 0.75% less than my bank's offer. Finovo helped me negotiate with confidence.

E

Elena D.

Entrepreneur, Cluj-Napoca

I use Finovo weekly to track my financial situation. The interface is polished, and I saved significantly.

M

Mihai P.

Logistics manager, Timisoara

Before requesting refinancing, I clearly saw my debt level and available options. I knew what I could negotiate with the bank.

Explore the platform

More than a credit score.
A complete financial ecosystem.

Loans

Mortgage, auto, and personal loans. Compare offers from our partner network.

Savings

Find the best interest rates for deposits and savings accounts.

Investments

Opportunities adapted to your risk profile, from funds to stocks.

Insurance

Auto, home, life, and health. Complete protection at the best price.

Daily operations

Full visibility into your everyday transactions and payments.

Reports

Full Credit Bureau report with FICO score — only 10 RON, transparent pricing, whenever you want an update.

Financial education, explained clearly

Helpful articles about FICO scores, refinancing, and personal loans, written simply for better-informed decisions.

View all articles

Finovo in the press

A selection of published materials about credit, refinancing, and the financial context behind our analysis.

External links. The type of each material is labeled on the About us page.

Ziarul Financiar

ZF IT Generation. Finovo's founders on their digital credit broker

Ziarul Financiar

A1.ro

What banks review before approving your credit

A1.ro

Contzilla

10 public sources checked by the bank for your credit

Contzilla

ROL.ro

How access to personal loans has grown over the last 5 years

ROL.ro

Ziare.com

Paying credit installments that are too high? Refinancing may be the solution

Ziare.com

Libertatea

Advantageous credit for you or for the bank?

Libertatea

Need help?

Talk directly with the Finovo team.

Choose the right channel for questions about your score, report, or credit readiness.

Start now.
Your finances, in one place.