Ocean Credit is a non-banking financial institution founded in 2015. Ocean Credit has a strong technological component and the desire to change the way Romanians think about classic credit institutions, offering in this sense 100% transparency and fair interest rates without hidden costs.

 

Product Information:

- Loans from 500 to 12,000 lei

- Maximum terms up to 24 months

- Interest 0.05% per day (the lowest interest rate compared to other microfinance organizations)

- Minimum age 18 years, maximum 60 years

- Minimum monthly income 700 lei

- Instant credit bureau rating check

- Instant loan approval using your Facebook account or phone number

- Possibility of early repayment

- 100% automated process - from submitting an application to transferring money to the account, everything happens without human intervention, very quickly

- Limited number of documents: Ocean Credit only requires a copy of your ID

 

Requirements for clients:

- Age from 18 to 60 years

- Be a Romanian citizen and provide a photograph according to a valid ID

- Have a stable monthly income, which can come from several sources: salary, rent, dividends, royalties, etc.

- Have a bank account with an attached card, to which the client can receive his income and where the money will be transferred

- Have a mobile phone number and email address

- Have a fairly favorable history with the Credit Bureau

 

Ocean Credit offers clients three types of products:

Coral
Online loan for personal needs with instant approval
Receive instantly, directly to the card, up to 12,000 lei
Term 6-24 months with installment payment
The client pays ONLY a fixed total interest amount starting from 0.055% per day. No other fees or commissions.

Pinguin
Online loan for personal needs with instant approval
Receive instantly, directly to the card, up to 4500 lei
Term 6 months with installment payment
The client pays ONLY a fixed total amount of interest, starting at 0.195% per day. No other fees or commissions.

Delfin
Credit limit up to 9000 lei for 12 months
The client pays ONLY for those days when the money was used
Interest from 20.2% per annum - no hidden fees or charges.

 

GEO: Romania

PDL-Profit