How applying through Finovo works, step by step

The application steps, from explanation to the lender's decision

1. 1

   Step 1 of 8

   Understand Finovo’s role before sharing personal data

   Read what a broker does, what it cannot promise and which commercial details remain unverified. No account is needed to read this explanation.

2. 2

   Step 2 of 8

   Describe the financing you are looking for

   Indicate the desired amount and provide the contact or location details needed to prepare the process. These details are not approval and do not oblige a lender to offer a particular amount.

3. 3

   Step 3 of 8

   Read the notices and decide whether to consent

   The secure link opens the dedicated onboarding process. Check the privacy notices and applicable agreements before signing or submitting anything.

4. 4

   Step 4 of 8

   Provide only the documents requested

   Documents vary by product, circumstances and institution. Onboarding must show the exact list, recipients and retention period; stop and ask for clarification if anything is unclear.

5. 5

   Step 5 of 8

   Your application may be matched with available institutions

   Matching depends on your profile, product and current coverage. Finovo does not promise to cover every lender and does not make the lender’s decision.

6. 6

   Step 6 of 8

   Compare the offers that become available

   Each offer has its own conditions and remains subject to the financial institution’s assessment. Compare APR (DAE), total cost, term, fees and insurance, as well as the monthly payment.

7. 7

   Step 7 of 8

   Ask for human assistance

   Email contact@finovo.ro with questions about Finovo’s role or the process. Assistance cannot guarantee the outcome of a lender’s assessment.

8. 8

   Step 8 of 8

   Decide whether to proceed

   Signing during onboarding does not oblige you to take a loan. If you choose an offer, the financial institution completes its assessment and documentation; Finovo does not guarantee a deadline.

The external onboarding flow

After a request is prepared, it continues outside Finovo. Check every notice shown there.

Not publicly confirmed

Lender coverage is not publicly verified

Finovo currently has no verified public list of covered lenders. Coverage may vary and may not include every lender. Confirm the institution behind an offer before submitting your application.

Alternatives to the Finovo flow

The Finovo flow is not the only route. Compare it with the options below before you prepare a request.

• Apply directly to a lender

  Request pre-contractual information and apply through your chosen financial institution’s official channel without using Finovo.

  When it helps you

  Useful if you already know which institution and product you want or prefer to manage communication and documents yourself.

• Compare lenders outside the available coverage

  Finovo’s coverage is not confirmed to include the whole market. Request offers from other lenders and compare the same amount and term.

  When it helps you

  Useful for a wider comparison or when your preferred institution is not among the options presented.

• Check your Biroul de Credit data directly

  Use Biroul de Credit’s official channel to access your data and request corrections under the applicable procedure. A report is not loan approval.

  When it helps you

  Useful before applying if you want to understand or verify the data reported about you.

  Open the official channel

• Seek independent help

  You can consult an independent financial or legal adviser who is not paid by Finovo or the lender being considered.

  When it helps you

  Useful for complex costs, collateral, multiple debts, payment difficulties or significant legal consequences.

Frequently asked questions

• Is Finovo a lender?

  Finovo is an untied credit intermediary listed in the ANPC register. Brokerage is free for the client. We help prepare and submit applications and understand available offers. Finovo is not a lender and does not make the final decision.

• How do I apply through Finovo?

  Read what a broker does, what it cannot promise and which commercial details remain unverified. No account is needed to read this explanation. Indicate the desired amount and provide the contact or location details needed to prepare the process. These details are not approval and do not oblige a lender to offer a particular amount. The secure link opens the dedicated onboarding process. Check the privacy notices and applicable agreements before signing or submitting anything. Documents vary by product, circumstances and institution. Onboarding must show the exact list, recipients and retention period; stop and ask for clarification if anything is unclear. Matching depends on your profile, product and current coverage. Finovo does not promise to cover every lender and does not make the lender’s decision. Each offer has its own conditions and remains subject to the financial institution’s assessment. Compare APR (DAE), total cost, term, fees and insurance, as well as the monthly payment. Email contact@finovo.ro with questions about Finovo’s role or the process. Assistance cannot guarantee the outcome of a lender’s assessment. Signing during onboarding does not oblige you to take a loan. If you choose an offer, the financial institution completes its assessment and documentation; Finovo does not guarantee a deadline.

• Who decides whether I receive a loan?

  The financial institution receiving the application makes the final decision using its own criteria.

• Does Finovo guarantee approval or specific terms?

  Finovo does not guarantee approval, an interest rate, amount or assessment time and cannot change the financial institution’s decision.

• Does Finovo compare all banks and non-bank lenders?

  Finovo currently has no verified public list of covered lenders. Coverage may vary and may not include every lender. Confirm the institution behind an offer before submitting your application.

• How is Finovo paid for intermediation?

  Finovo brokerage is free for the client. This does not establish whether or how financial institutions pay Finovo; remuneration disclosures remain separate. The exact way Finovo is paid for intermediation is not confirmed in the sources verified for this page. Request a written explanation at contact@finovo.ro before proceeding if this affects your decision. It is not publicly confirmed whether Finovo’s remuneration varies by lender, product or application outcome. Request an explanation before comparing recommendations.

• Do I pay Finovo a brokerage fee?

  No. Finovo brokerage is free for the client. You should still review the loan costs and the financial institution’s pre-contractual information before submitting your application.

• Which documents and agreements must I provide?

  The document types, recipients and retention periods for brokerage are not confirmed by the repository. Follow the requirements and notices shown during onboarding and ask for clarification before uploading. The exact agreements for the external process are not specified in this public description. They must be shown and read during onboarding before signing. Do not proceed if purposes, recipients or rights are unclear. The authorization at this address concerns the separate Biroul de Credit data access service. It is not a general mandatory agreement for every brokerage application.

• Can I apply directly to a financial institution?

  Request pre-contractual information and apply through your chosen financial institution’s official channel without using Finovo.

• How do I get help from a person?

  Email contact@finovo.ro with questions about Finovo’s role or the process. Assistance cannot guarantee the outcome of a lender’s assessment. You can consult an independent financial or legal adviser who is not paid by Finovo or the lender being considered.