one single online application. you find out how much you qualify for, with no credit bureau inquiry and 0 fees for you.
7 minutes · no documents uploaded · no credit bureau inquiry · 0 fees
credit republic exists for the mechanism behind this sentence: we put the numbers face to face.
With credit republic you compare them all and choose what benefits you.
and the rest of the marketand the rest of the marketyou answer a few questions in our interface. the software analyzes your profile, prequalifies you and gives you offers. zero paperwork, zero trips to the counter.
the algorithm checks offers from all banks and calculates your debt-to-income ratio. scenarios are sorted by total cost — not by monthly rate.
together you choose the bank and the product. she prepares the documents and keeps the relationship with the bank. she assists you until signing.
from 15% advance. we compare the total cost at all banks and go first to where your profile fits.
we replace the current mortgage with a new one, at today's market conditions. lower your monthly rate, keep the same amount.
variable income, PFA or liberal profession: the algorithm knows the specific grids, not a salary average.
my name is Camelia Florența Nistoroiu, AVBS authorized broker. i started credit republic because a mortgage file is pointlessly complicated. i explain the banking terms and handle the bureaucracy — you just choose the offer.
"i don't give you an opinion. i give you the comparison, then i negotiate on it."
Camelia Florența Nistoroiubroker · Nistoroiu Financial Solutions SRL, AVBS partner
your bank won't call you when a better offer appears.
it's not ill will. it's simply that nobody is paid to tell you. that's why there is a comparison step between you and the signature.
we notify you when the market changes
a WhatsApp message only when the reference rate drops or promotional offers below the current average appear. 0 spam.
alert is activated.
we will send you a WhatsApp message as soon as the banking market offers more advantageous conditions.
put it on the scale. next to today's market average and next to what can be obtained through the AVBS network.
we notify you when the market changes
a WhatsApp message only when the market average or the optimal offer drops below your interest rate. that's it. no other messages.
the alert is active.
we will write to you on WhatsApp when new offers appear below your current interest rate.
no documents uploaded · no credit bureau inquiry · 0 fees for you
the interest rate does not include commissions. that's why, at prequalification, we compare the total cost of each offer — not the monthly rate.
you follow the file through messages from your dedicated broker, from the first analysis to signing. no email ping-pong, no waiting on hold.
the blue moment of the page is higher up, in the "your rate" section — where the result belongs to the visitor, not illustrative.
prequalification is ready. i compared your profile at all banks — the offers are in the dashboard.
the bank approved the mortgage, without additional documents. we move to the final step.
i scheduled the contract signing. tomorrow, 14:00, at the branch.
| credit republicAI + authorized broker | the bankone single offer | classic brokerphysical bureaucracy | |
|---|---|---|---|
| analyzed banks | all banks | only their offer | partially, a few banks |
| affects credit score | no, at prequalification | yes, at each application | yes, at each simulation |
| debt-to-income (DTI) | automatic, instant | manual, at the counter | manual, on paper |
| time to result | 7 minutes | days / weeks | 1–3 days |
| file status | live, on WhatsApp | recurrent calls | phone / physical meetings |
| dedicated broker until signing | yes, plus algorithm | counter consultant | yes, no algorithm |
| cost for you | 0 fees | variable commissions | brokerage commission |
credit republic operates under the license of AVBS Credite Romania, one of the oldest and most solid credit brokers in the country.
i thought bank bureaucracy takes weeks. i received the comparison in an afternoon and i could compare the offers side by side, in the same numbers.
Andrei & Ioana M.mortgage and the new home
i knew exactly how much it cost me in total before signing. when i had a question about a clause, Florența called me and explained it on the spot.
Cristina V.personal needs mortgage
yes. the brokerage service is free for you. according to the current legislation, we are remunerated by the financial institution for the volume of mediated credits. no analysis fee, no honorarium.
no. the algorithm works independently. the first official inquiry to the credit bureau takes place only at the end, with your agreement, when you submit the file to the bank.
an authorized credit intermediary. they work with all banks, know the grid of each one and take the file where your profile fits. the approval decision remains with the bank. they are paid by the bank, not by you.
no. the prequalification is free and made to inform you. the decision remains yours, at every step.
general information about income and current obligations. no documents uploaded, no access to the bank account. the data is secured.
7 minutes, all banks, 0 fees. no credit bureau inquiry.
after click: three questions about income and current obligations. we don't ask for documents, we don't access your bank account, we don't inquire the credit bureau.