{"id":8549,"date":"2021-01-06T14:08:08","date_gmt":"2021-01-06T12:08:08","guid":{"rendered":"https:\/\/newcredit.ro\/intrebari-frecvente\/"},"modified":"2025-10-10T13:20:40","modified_gmt":"2025-10-10T10:20:40","slug":"frequent-questions","status":"publish","type":"page","link":"https:\/\/newcredit.ro\/en\/frequent-questions\/","title":{"rendered":"Frequent questions"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row fullwidth=&#8221;true&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1760091523437{margin-bottom: 0px !important;}&#8221;]\n\t\t\t\t<p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t\t<sr7-module data-alias=\"que-en\" data-id=\"30\" id=\"SR7_30_1\" data-version=\"7.0.4\">\n\t\t\t\t\t<sr7-adjuster><\/sr7-adjuster>\n\t\t\t\t\t<sr7-content>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_30_1-25\" data-key=\"25\">\n\t\t\t\t\t\t\t<sr7-bg id=\"SR7_30_1-25-6\" class=\"sr7-layer\"><noscript><img decoding=\"async\" src=\"https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/que.jpg\" alt=\"\" title=\"que\"><\/noscript><\/sr7-bg>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_30_1-25-2\" class=\"sr7-layer\">Your reliable specialist in obtaining bank loans!<\/sr7-txt>\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_30_1-52\" data-key=\"52\">\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t<\/sr7-content>\n\t\t\t\t\t<image_lists style=\"display:none\">\n\t\t\t\t\t\t<img data-src=\"\/\/newcredit.ro\/wp-content\/uploads\/2021\/09\/logo-bb-en.png\" data-libid=\"8471\" title=\"logo-bb-en\" width=\"0\" height=\"0\" data-dbsrc=\"Ly9uZXdjcmVkaXQucm8vd3AtY29udGVudC91cGxvYWRzLzIwMjEvMDkvbG9nby1iYi1lbi5wbmc=\"\/>\n\t\t\t\t\t\t<img data-src=\"\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/que.jpg\" data-libid=\"7961\" data-lib=\"medialibrary\" title=\"que\" width=\"0\" height=\"0\" data-dbsrc=\"Ly9uZXdjcmVkaXQucm8vd3AtY29udGVudC91cGxvYWRzLzIwMjEvMDEvcXVlLmpwZw==\"\/>\n\t\t\t\t\t<\/image_lists>\n\t\t\t\t<\/sr7-module>\n\t\t\t\t<script>\n\t\t\t\t\twindow.SR7??={}; SR7.PMH ??={}; SR7.PMH[\"SR7_30_1\"] = {cn:100,state:false,fn: function() { if (window._tpt!==undefined && window._tpt.prepareModuleHeight !== undefined) {  _tpt.prepareModuleHeight({id:\"SR7_30_1\",el:[500,500,768,960,720],type:'standard',shdw:'1',gh:[500,500,\"#a\",\"#a\",\"#a\"],gw:[1920,1920,\"#a\",\"#a\",\"#a\"],vpt:['-200px'],size:{fullWidth:true, fullHeight:false},mh:',,,,',onh:0,onw:0,bg:{color:'{\"orig\":\"transparent\",\"type\":\"solid\",\"string\":\"transparent\"}'},plType:'0',plColor:'#FFFFFF'});   SR7.PMH[\"SR7_30_1\"].state=true;} else if(SR7.PMH[\"SR7_30_1\"].cn-->0)\tsetTimeout( SR7.PMH[\"SR7_30_1\"].fn,19);}};SR7.PMH[\"SR7_30_1\" ].fn();\n\t\t\t\t<\/script>\n[\/vc_column_text][mk_padding_divider size=&#8221;30&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][mk_padding_divider size=&#8221;30&#8243;][vc_accordions container_bg_color=&#8221;#ededf1&#8243;][vc_accordion_tab icon=&#8221;mk-moon-question-5&#8243; title=&#8221;What documents are required to obtain a personal loan?&#8221;][vc_column_text css=&#8221;.vc_custom_1760091562752{margin-bottom: 0px !important;}&#8221;]\n<div class=\"wpb_row vc_row vc_row-fluid jupiter-donut- mk-fullwidth-false attched-false js-master-row mk-grid mpc-row mk-in-viewport\" data-mk-stretch-content=\"true\">\n<div class=\"vc_col-sm-12 wpb_column column_container jupiter-donut- _ jupiter-donut-height-full mpc-column\" data-column-id=\"mpc_column-5868e822c83a110\">\n<div id=\"mk-accordion-780\" class=\"mk-accordion mobile-false fancy-style \" data-style=\"accordion-style\" data-initialindex=\"0\">\n<div class=\"wpb_accordion_wrapper\">\n<div id=\"\" class=\"mk-accordion-single current\">\n<div class=\"mk-accordion-pane\">\n<div class=\" vc_custom_1729854302123\">\n<div id=\"text-block-782\" class=\"mk-text-block jupiter-donut- \">\n<p style=\"text-align: justify;\">In most cases only the identity card is needed. In exceptional cases an income certificate is also required. This will be completed by the employer depending on the profile of the client or employer.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab icon=&#8221;mk-moon-question-5&#8243; title=&#8221;What are the disadvantages if we go from bank to bank to ask for credit offers?&#8221;][vc_column_text css=&#8221;.vc_custom_1760091588969{margin-bottom: 0px !important;}&#8221;]\n<div class=\"wpb_row vc_row vc_row-fluid jupiter-donut- mk-fullwidth-false attched-false js-master-row mk-grid mpc-row mk-in-viewport\" data-mk-stretch-content=\"true\">\n<div class=\"vc_col-sm-12 wpb_column column_container jupiter-donut- _ jupiter-donut-height-full mpc-column\" data-column-id=\"mpc_column-5868e822c83a110\">\n<div id=\"mk-accordion-780\" class=\"mk-accordion mobile-false fancy-style \" data-style=\"accordion-style\" data-initialindex=\"0\">\n<div class=\"wpb_accordion_wrapper\">\n<div id=\"\" class=\"mk-accordion-single current\">\n<div class=\"mk-accordion-pane\">\n<div class=\" vc_custom_1729854369517\">\n<div id=\"text-block-783\" class=\"mk-text-block jupiter-donut- \">\n<p>After searching for the best credit offer, each bank will query your credit history. These queries can seriously decrease your chances of obtaining a loan. This happens due to the drop in each client\u2019s FICO score. Our consultants will analyze your profile after this. They will guide you to the bank with the most suitable offer for you. This process helps avoid a decrease in your FICO score.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab icon=&#8221;mk-moon-question-5&#8243; title=&#8221;Why choose a collaboration with New Credit?&#8221;][vc_column_text css=&#8221;.vc_custom_1760091618035{margin-bottom: 0px !important;}&#8221;]\n<div class=\"wpb_row vc_row vc_row-fluid jupiter-donut- mk-fullwidth-false attched-false js-master-row mk-grid mpc-row mk-in-viewport\" data-mk-stretch-content=\"true\">\n<div class=\"vc_col-sm-12 wpb_column column_container jupiter-donut- _ jupiter-donut-height-full mpc-column\" data-column-id=\"mpc_column-5868e822c83a110\">\n<div id=\"mk-accordion-780\" class=\"mk-accordion mobile-false fancy-style \" data-style=\"accordion-style\" data-initialindex=\"0\">\n<div class=\"wpb_accordion_wrapper\">\n<div id=\"\" class=\"mk-accordion-single current\">\n<div class=\"mk-accordion-pane\">\n<div class=\" vc_custom_1630994876361\">\n<div id=\"text-block-784\" class=\"mk-text-block jupiter-donut- \">\n<p>The experience of over 10 years in the banking financial field has helped us to learn in detail the ins and outs of the banking system, managing to make the best choices for our clients and at the same time to avoid the hidden clauses existing in credit agreements.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_accordion_tab][\/vc_accordions][mk_padding_divider size=&#8221;30&#8243;][\/vc_column][\/vc_row][mk_page_section vertical_align=&#8221;center&#8221; bg_image=&#8221;https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/backg-scaled.jpg&#8221; bg_color=&#8221;#fec419&#8243; border_color=&#8221;#103045&#8243; bg_position=&#8221;center center&#8221; bg_repeat=&#8221;no-repeat&#8221; bg_stretch=&#8221;true&#8221; enable_3d=&#8221;true&#8221; full_width=&#8221;true&#8221; js_vertical_centered=&#8221;true&#8221; sidebar=&#8221;sidebar-1&#8243;][vc_column][vc_row_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/12&#8243;][mk_padding_divider size=&#8221;30&#8243;][vc_column_text css=&#8221;.vc_custom_1713082224249{margin-bottom: 0px !important;}&#8221;]<a href=\"https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a.png\"><img decoding=\"async\" class=\"size-medium wp-image-7937 aligncenter\" src=\"https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-248x300.png\" alt=\"Credit nevoi personale\" width=\"248\" height=\"300\" srcset=\"https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-248x300.png 248w, https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-20x24.png 20w, https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-30x36.png 30w, https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a-40x48.png 40w, https:\/\/newcredit.ro\/wp-content\/uploads\/2021\/01\/phone600a.png 600w\" sizes=\"(max-width: 248px) 100vw, 248px\" \/><\/a>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1751544546968{margin-bottom: 0px !important;}&#8221;]\n<p style=\"text-align: center;\">Find out more\u00a0<a href=\"https:\/\/newcredit.ro\/en\/about-us\/\"><strong>ABOUT US<\/strong><\/a><\/p>\n[\/vc_column_text][mk_padding_divider size=&#8221;30&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;7\/12&#8243;][mk_padding_divider size=&#8221;30&#8243;][mk_fancy_title color=&#8221;#103045&#8243; size=&#8221;48&#8243; force_font_size=&#8221;true&#8221; size_tablet=&#8221;40&#8243; size_phone=&#8221;25&#8243; font_weight=&#8221;300&#8243; txt_transform=&#8221;none&#8221; letter_spacing=&#8221;2&#8243; font_family=&#8221;none&#8221; align=&#8221;center&#8221;]Personalised financial solutions[\/mk_fancy_title][vc_column_text align=&#8221;center&#8221; css=&#8221;.vc_custom_1751544566851{margin-bottom: 0px !important;}&#8221;]\n<div class=\" vc_custom_1729844936339\">\n<div id=\"text-block-51\" class=\"mk-text-block jupiter-donut- \">\n<p style=\"text-align: center;\"><strong>New Credit<\/strong>\u00a0offers consultancy in order to obtain credit solutions, offering all types of loans\u2014from unsecured personal loans, consumer loans, and secured loans to refinancing, \u2018Noua Cas\u0103,\u2019 and credit cards\u2014designed to meet diverse financing needs.<\/p>\n<\/div>\n<\/div>\n[\/vc_column_text][mk_padding_divider size=&#8221;15&#8243;][vc_column_text css=&#8221;.vc_custom_1751544579938{margin-bottom: 0px !important;}&#8221;]\n<h3 style=\"text-align: center;\"><strong style=\"font-size: 16px;\">NewCredit \u2013 Personal loan, mortgage loan, refinancing, car loan \u2013<\/strong><\/h3>\n[\/vc_column_text][mk_padding_divider size=&#8221;15&#8243;][vc_column_text css=&#8221;.vc_custom_1751544593970{margin-bottom: 0px !important;}&#8221;]\n<div class=\" vc_custom_1610405731999\">\n<div id=\"text-block-8\" class=\"mk-text-block jupiter-donut- \">\n<p style=\"text-align: center;\">With over 10 years of experience in finance, especially in personal loans, we have over ten thousand satisfied clients who turn to us whenever they need a banking product or financial advice.<\/p>\n<p style=\"text-align: center;\">We\u2019re here to help you with a personal loan, a mortgage loan, a car loan, a credit card, or refinancing an existing loan.<\/p>\n<p style=\"text-align: center;\">We assess your situation and provide the best loan options for you and your family. We partner with major banks, working together to find the best offer tailored to your needs.\u201d<\/p>\n<\/div>\n<\/div>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1751544604298{margin-bottom: 0px !important;}&#8221;]\n<div class=\" vc_custom_1729845477808\">\n<div id=\"text-block-56\" class=\"mk-text-block jupiter-donut- \">\n<p style=\"text-align: center;\"><strong>Visit our\u00a0<a href=\"https:\/\/www.facebook.com\/vreaunewcredit\/\">Facebook<\/a>\u00a0page in order to get the whole NewCredit experience.<\/strong><\/p>\n<\/div>\n<\/div>\n[\/vc_column_text][mk_padding_divider size=&#8221;30&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/mk_page_section]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row fullwidth=&#8221;true&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1760091523437{margin-bottom: 0px !important;}&#8221;][\/vc_column_text][mk_padding_divider size=&#8221;30&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][mk_padding_divider size=&#8221;30&#8243;][vc_accordions container_bg_color=&#8221;#ededf1&#8243;][vc_accordion_tab icon=&#8221;mk-moon-question-5&#8243; title=&#8221;What documents are required to obtain a personal loan?&#8221;][vc_column_text css=&#8221;.vc_custom_1760091562752{margin-bottom: 0px !important;}&#8221;] In most cases only the identity card is needed. In exceptional cases an income certificate is also required. This will be completed by the employer depending on the profile of the client or employer. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-8549","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best Personal Loan Deals \u2013 NewCredit Finance Solutions<\/title>\n<meta name=\"description\" content=\"Personal loan made easy \u2013 NewCredit offers competitive rates and quick approvals. New Credit is your solution. 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