De la creditul cu o singură scadență la limita care se reîncarcă: cum și-a rescris SafeCredit modelul de produs

Credit Online IFN SA has introduced a new credit line product, allowing customers to access up to 10,000 lei over 36 months, fully managed via a mobile app. This shift from traditional short-term loans to a reusable credit line reflects a broader trend in Romania's non-banking sector, focusing on customer retention rather than speed. The product features a fixed daily interest rate applied only to withdrawn amounts, with repayments making the principal available again for future use. Customers can manage their credit limits digitally, with automated income verification through ANAF, simplifying the application process. The absence of fees and a clear interest structure aim to promote responsible borrowing, while the mobile app serves as a central management tool for users, enhancing their engagement with the service.