{"id":8549,"date":"2021-01-06T14:08:08","date_gmt":"2021-01-06T12:08:08","guid":{"rendered":"https:\/\/newcredit.ro\/intrebari-frecvente\/"},"modified":"2026-09-09T09:47:32","modified_gmt":"2026-09-09T06:47:32","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><\/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 is the difference between an unsecured personal loan and one with real estate collateral?&#8221;][vc_column_text css=&#8221;.vc_custom_1788936083878{margin-bottom: 0px !important;}&#8221;]\n<p style=\"text-align: justify;\">An unsecured loan is faster to obtain (approval, on average, within 24 hours) and does not require mortgaging an asset, but the available amounts are smaller, determined based on the applicant&#8217;s income.<\/p>\n<p style=\"text-align: justify;\">A loan with real estate collateral allows access to much larger amounts, up to 500,000 lei, with the value determined by both income and the appraisal of the property provided as collateral. It is a suitable solution when you need a significant amount and own a property that you can use as guarantee.<\/p>\n[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab icon=&#8221;mk-moon-question-5&#8243; title=&#8221;How long does it take to get the money after applying for a loan?&#8221;][vc_column_text css=&#8221;.vc_custom_1788936115100{margin-bottom: 0px !important;}&#8221;]\n<p style=\"text-align: justify;\">The approval time varies depending on the client&#8217;s profile and the chosen bank, but it takes 24 hours on average for an unsecured loan. For clients with a very good financial profile, the money can be available on the very same day the contract is signed. Loans with real estate collateral typically require more time due to the appraisal of the property used as collateral.<\/p>\n[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab icon=&#8221;mk-moon-question-5&#8243; title=&#8221;What happens if I am late on a payment?&#8221;][vc_column_text css=&#8221;.vc_custom_1788936138280{margin-bottom: 0px !important;}&#8221;]\n<p style=\"text-align: justify;\">A late payment is reported to the Credit Bureau and can affect your credit score in the medium and long term, making it harder to obtain future loans. We recommend contacting the financing bank or a New Credit consultant early on if you anticipate a payment issue; often, solutions can be found (rescheduling, restructuring) before the delay is reported.<\/p>\n[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab icon=&#8221;mk-moon-question-5&#8243; title=&#8221;Can I repay the loan earlier than the contracted period?&#8221;][vc_column_text css=&#8221;.vc_custom_1788936160239{margin-bottom: 0px !important;}&#8221;]\n<p style=\"text-align: justify;\">Yes. Early repayment, whether partial or full, is a right provided by law for any consumer credit contract. Depending on the bank, this may involve a small early repayment penalty, applicable only under certain conditions stipulated in the contract. New Credit consultants can help you understand the exact applicable costs before making this decision.<\/p>\n[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab icon=&#8221;mk-moon-question-5&#8243; title=&#8221;Can I get a loan if I have a negative history with the Credit Bureau?&#8221;][vc_column_text css=&#8221;.vc_custom_1788936180479{margin-bottom: 0px !important;}&#8221;]\n<p style=\"text-align: justify;\">It depends on the severity and age of the negative history. New Credit analyzes each situation individually and identifies the banks or lending solutions compatible with your profile, including options for clients with an impacted credit score. It is recommended to speak directly with a consultant, who can realistically tell you what your chances are and what steps you can take to improve your credit profile.<\/p>\n[\/vc_column_text][\/vc_accordion_tab][vc_accordion_tab icon=&#8221;mk-moon-question-5&#8243; title=&#8221;What exactly is New Credit&#8217;s role, are you a bank?&#8221;][vc_column_text css=&#8221;.vc_custom_1788936201846{margin-bottom: 0px !important;}&#8221;]\n<p style=\"text-align: justify;\">No, New Credit is not a bank. We research the banking market on your behalf, analyze existing offers, and identify the best lending solutions available for your financial profile, ensuring you obtain the lowest interest rate and the most advantageous conditions possible.<\/p>\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.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.<\/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. 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