Românii și creditele nebancare: cine apelează la IFN-uri și de ce

The non-banking credit market in Romania has seen steady growth, with more individuals opting for loans from non-banking financial institutions (IFNs) due to quicker access and less stringent conditions. IFNs are authorized entities that provide loans without collecting deposits, regulated by Romanian law. They cater to a broader audience, including those with variable incomes or limited credit history. The demand for IFNs has increased, with a reported 28% rise in loans granted in 2025. Borrowers include freelancers, young individuals seeking their first credit, and those needing urgent liquidity. However, potential borrowers should verify the institution's authorization, read contracts carefully, and assess repayment capacity before applying. Regulatory measures are in place to protect consumers, including interest rate caps starting in 2024.