the mechanism

all banks compared in 4 minutes. the result is a number, not an opinion.

one single online application. you find out how much you qualify for, with no credit bureau inquiry and 0 fees for you.

ask on WhatsApp

the offer you takethe offer that was there

where do we start?

4 minutes · no documents uploaded · no credit bureau inquiry · 0 fees

14+

banks compared automatically for you in one single application.

4 min

the time it takes to find out your prequalification without leaving your home.

0 lei

total cost for you. the broker's commission is paid by the lending bank.

38%

of Romanians choose the first offer they stumble upon without comparing the market.

coverage

connected to the entire market,
not just one offer.

a bank shows you its product. an application at credit republic goes through all banks and NBFIs in the market, under AVBS brokerage conditions.

Banca TransilvaniaINGBCRBRDUniCreditRaiffeisen BankGaranti BBVALibra Internet BankIntesa SanpaoloPatria BankProCredit BankExim Banca RomâneascăNexent Bankand the rest of the marketBanca TransilvaniaINGBCRBRDUniCreditRaiffeisen BankGaranti BBVALibra Internet BankIntesa SanpaoloPatria BankProCredit BankExim Banca RomâneascăNexent Bankand the rest of the market

the process

from click to approval,
in three steps.

01 — digital

prequalification in 4 minutes

you answer a few questions in our interface. the software analyzes your profile, prequalifies you and gives you offers. no paperwork, no trips to the counter.

02 — algorithm

we compare all banks

the algorithm checks offers from all banks, calculates your debt-to-income ratio, and sorts scenarios by total cost, not by monthly rate.

03 — broker

florența takes the file further

together you choose the bank and the product. she prepares the documents, keeps the relationship with the bank and assists you until signing at the notary.

products

mortgage. refinancing.
personal needs.

mortgage
and the new home

from 15% advance. we compare the total cost at all banks and go first to where your profile fits.

refinancing

we replace the current mortgage with a new one, at today's market conditions. same amount, different rate.

personal needs

variable income, PFA or liberal profession: the algorithm knows the specific grids, not a salary average.

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.

market alert

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.

your rate

your interest rate exists.
a reference point, no.

put it on the scale. next to today's market average and next to what can be obtained through the AVBS network.

what is your current mortgage interest rate?

7,20% ·

optimal offer
from the AVBS network

market average

7,20%

estimated savings: ~320 lei/month

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.

market average

network offer

what it is notthe network offer is not a personalized offer. what conditions you qualify for depends on the file.

along the way

live status, in your pocket.

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.

florența nistoroiu · broker09:14

prequalification is ready. i compared your profile at all banks — the offers are in the dashboard.

florența nistoroiu · broker15:02

the bank approved the mortgage, without additional documents. we move to the final step.

florența nistoroiu · broker17:40

i scheduled the contract signing. tomorrow, 14:00, at the branch.

comparison

three ways to get a mortgage.
only one shows you all of them.

	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	4 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

← swipe to see the entire table →

Camelia Florența Nistoroiu — mortgage broker

the person behind

behind the numbers are people.

my name is camelia florența nistoroiu, AVBS authorized broker. i started credit republic because a mortgage file is pointlessly complicated. i remove the jargon and the useless trips — the decision remains.

"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

authorizationANPC authorized credit intermediary

networkAVBS Credite România partner

experiencecomplete counseling until the notary

cost0 fees for you

verified reviews

real stories.

"i understood what i'm signing before signing."

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 merged two mortgages into a single, smaller rate."

i had two old mortgages taken at different times. i replaced them with a single one, at current conditions, without going to any bank.

Mihai P.refinancing

"zero hidden commissions, stated upfront."

i knew exactly how much it cost me in total before signing. the human support made the difference when i had a legal uncertainty.

Cristina V.personal needs mortgage

frequently asked questions

what you need to know.

is the commission really 0 fees for me?

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.

does the prequalification affect my credit score?

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.

what is a mortgage broker?

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.

am i obligated to move forward?

no. the prequalification is free and made to inform you. the decision remains yours, at every step.

what data do i need to enter?

general information about income and current obligations. no documents uploaded, no access to the bank account. the data is secured.

we compare once.
you choose.

4 minutes, all banks, 0 fees. no credit bureau inquiry.