# HoraCredit > HoraCredit (operated by Hora Credit IFN S.A., registered with the National Bank of Romania under no. RG-PJR-41-110313/09.09.2023) provides fully digital non-bank personal loans of 100–5,000 RON for individuals in Romania, with funds disbursed within 30 minutes of approval. Available to Romanian residents aged 18+ with a stable, verifiable income and an active bank account in Romania. Identity verification requires an uploaded photo ID and a selfie with the ID. ## Loans by Amount - [1,000 RON Loan](https://horacredit.ro/imprumut-1000-lei): How to get a fast 1,000 RON loan online, with approval and funds in about 30 minutes. - [2,000 RON Loan](https://horacredit.ro/credit-2000-lei): Fast 2,000 RON loan with a simple, fully online application process. - [3,000 RON Loan](https://horacredit.ro/credit-3000-lei): How to qualify for and receive a 3,000 RON loan, approved in minutes. - [4,000 RON Loan](https://horacredit.ro/credit-4000-lei): Requirements and documents needed to apply for a 4,000 RON loan. - [5,000 RON Loan](https://horacredit.ro/credit-5000-lei): HoraCredit's maximum loan amount (5,000 RON) and how to obtain it. ## Loan Types & Features - [Instant Card Loan](https://horacredit.ro/credit-instant-pe-card): Fast loan disbursed directly to a debit/credit card, no branch visit required. - [Loan by Phone](https://horacredit.ro/credit-nebancar-prin-telefon): Non-bank loan requested and processed by phone, funds within minutes of approval. - [Microloans](https://horacredit.ro/microcredite): Small non-bank loans (IFN microcredite) up to 5,000 RON, fully online. - [Loan with ID Card Only](https://horacredit.ro/credit-cu-buletinul-online): Loan requiring only an ID card (buletin) for verification, no extra paperwork. - [Long-Term Non-Bank Loan](https://horacredit.ro/credite-nebancare-pe-termen-lung): Longer-maturity non-bank loan option (up to ~98 days) for larger repayment flexibility. - [Short-Term Loan](https://horacredit.ro/credite-pe-termen-scurt): Short-maturity loan (1– 30 days) with advantages, disadvantages, and eligibility explained. - [Urgent Loan](https://horacredit.ro/credit-online-urgent): Expedited loan option approved and disbursed within minutes for urgent financial needs. - [No-Documents Loan](https://horacredit.ro/credit-rapid-online-fara-acte): Loan requiring minimal documentation, with a 0% promotional rate for new clients. - [Interest-Free Loan](https://horacredit.ro/credit-fara-dobanda): Promotional 0% (0.0001%/day) interest loan for new clients repaying on schedule. - [IFN Loan](https://horacredit.ro/credit-ifn-online): General information on HoraCredit as a non-bank financial institution (IFN) loan provider. ## Tools - [Loan Calculator](https://horacredit.ro/credit-calculator): Free calculator to estimate interest, DAE, and total repayment amount before applying. ## Support & Information - [Apply for a Loan (Home)](https://horacredit.ro/): Main application page — loans from 100 to 5,000 RON, promotional 0.0001%/day rate for new clients (first 7 days or a 1–30 day short-term loan), standard rate 1%/day, repayment extendable up to 100 days. - [Frequently Asked Questions](https://horacredit.ro/faq): Eligibility requirements, application process, loan amounts, and how quickly funds are disbursed. - [How to Repay](https://horacredit.ro/repayment): Available repayment methods and loan management options. - [About the Loan](https://horacredit.ro/about-loan): Details on how to obtain and use a HoraCredit loan. - [DAE / APR Information](https://horacredit.ro/dae): Explanation of the annual percentage rate (DAE) with worked interest examples. - [Contact Us](https://horacredit.ro/contacts): Customer support phone numbers, email, and office hours. ## Blog - [Blog](https://horacredit.ro/blog/): Educational articles on personal finance, budgeting, and non-bank lending in Romania — background reading, not part of the core loan application flow. ## Legal & Compliance - [Terms and Conditions](https://horacredit.ro/terms-and-conditions): Binding loan agreement and platform usage terms. - [Privacy Policy](https://horacredit.ro/privacy-policy): How personal data is collected, checked against ANAF and Biroul de Credit, and protected under GDPR. - [Cookie Policy](https://horacredit.ro/cookies-policy): Cookie usage and preferences. - [Accessibility Statement](https://horacredit.ro/eaa): Web accessibility compliance. - [Whistleblowing / Reporting Channel](https://horacredit.ro/canal-de-raportare): Confidential channel for reporting irregularities. - [Complaints & Requests](https://horacredit.ro/solicitari-si-reclamatii): How to file a complaint and expected response times. - [Personal Insolvency Procedure](https://horacredit.ro/insolventa-persoanelor-fizice): Information on the personal insolvency procedure for borrowers in financial difficulty. ## Optional - [Client Area](https://horacredit.ro/login): Client login for managing an existing loan and uploading identity documents — authenticated account access, not general informational content.