Your FICO score, explained clearly and checked securely.

Find out your credit score instantly, we compare all offers from partner banks and non-bank lenders, and you can access the loan you want or savings, investment, and insurance options, all online and in one place.

Biroul de Credit

Participants in the Credit Bureau network in Romania

BRDBanca Comercială RomânăBanca TransilvaniaRaiffeisen BankING BankAlpha Bank RomâniaCEC BankUniCredit BankGaranti BankFirst BankBNP Paribas Personal FinanceIntesa Sanpaolo Bank RomâniaNexent BankCreditcoopSalt BankVista BankPatria BankCredex BankBCR Banca pentru LocuințeLibra Internet BankTechVentures BankBanca Română de Credite și InvestițiiProCredit BankUniCredit Consumer FinancingProvidentTBI MoneyRCI LeasingBT DirectEasy Asset ManagementBCR Social FinancePatria CreditCrediusMogoViva CreditAXI FinanceSimplu CreditVitasMK KreditEasy CreditMozipoMarck LeasingOcean CreditBCR LeasingHora CreditROCapitalBest CreditCredexEcoFinanceBT MicrofinanțareMobilo FinanceBSG CreditOmroFlex FinancialBusiness MicrocreditOney BankMultitude BankRevo TechnologiesHumanik CreditViaConto MinicreditRevolut BankMaiMaiCreditOntopayOkCreditExim Banca RomâneascăTBI BankPorsche LeasingTarfinPayPoLeanpayGarantare și CreditareHeyBluSfera CreditAvinto FinanceSun CreditPlus CreditAddiko BankCredit Online
BRDBanca Comercială RomânăBanca TransilvaniaRaiffeisen BankING BankAlpha Bank RomâniaCEC BankUniCredit BankGaranti BankFirst BankBNP Paribas Personal FinanceIntesa Sanpaolo Bank RomâniaNexent BankCreditcoopSalt BankVista BankPatria BankCredex BankBCR Banca pentru LocuințeLibra Internet BankTechVentures BankBanca Română de Credite și InvestițiiProCredit BankUniCredit Consumer FinancingProvidentTBI MoneyRCI LeasingBT DirectEasy Asset ManagementBCR Social FinancePatria CreditCrediusMogoViva CreditAXI FinanceSimplu CreditVitasMK KreditEasy CreditMozipoMarck LeasingOcean CreditBCR LeasingHora CreditROCapitalBest CreditCredexEcoFinanceBT MicrofinanțareMobilo FinanceBSG CreditOmroFlex FinancialBusiness MicrocreditOney BankMultitude BankRevo TechnologiesHumanik CreditViaConto MinicreditRevolut BankMaiMaiCreditOntopayOkCreditExim Banca RomâneascăTBI BankPorsche LeasingTarfinPayPoLeanpayGarantare și CreditareHeyBluSfera CreditAvinto FinanceSun CreditPlus CreditAddiko BankCredit Online

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Protection
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Secure payments

Features

Everything you need for smart financial decisions.

FICO score
60scheck time

Your credit score, updated in real time

Continuous FICO score monitoring with instant notifications for every change. Know exactly where you stand.

Offers
Networkfinancial partner network

Credit offers compared and filtered for you

Our algorithm analyzes the financial partner network and shows only the offers you qualify for.

Analysis
24/7permanent access

Understand your complete financial profile

Detailed reports, trends, and personalized recommendations to improve your financial health.

Security
AES-256end-to-end encryption

Your data, protected

Your data is transmitted securely, confidentially, and with GDPR protection. Your FICO score is not affected.

How it works

From zero to financial clarity
in three simple steps.

01

Create account

Fast registration with your email. No bureaucracy, no documents.

02

Check your FICO score

Access your score and Credit Bureau registration status with no contractual obligations.

03

Compare and choose

Receive personalized offers from our partner network. You choose at your own pace.

Testimonials

Join the many
users in Romania.

Average rating4.85 out of 5
A

Andrei M.

Software engineer, Bucharest

I got a mortgage loan with 0.75% less than my bank's offer. Finovo helped me negotiate with confidence.

E

Elena D.

Entrepreneur, Cluj-Napoca

I use Finovo weekly to track my financial situation. The interface is polished, and I saved significantly.

M

Mihai P.

Logistics manager, Timisoara

Before requesting refinancing, I clearly saw my debt level and available options. I knew what I could negotiate with the bank.

Explore the platform

More than a credit score.
A complete financial ecosystem.

Loans

Mortgage, auto, and personal loans. Compare offers from our partner network.

Savings

Find the best interest rates for deposits and savings accounts.

Investments

Opportunities adapted to your risk profile, from funds to stocks.

Insurance

Auto, home, life, and health. Complete protection at the best price.

Daily operations

Full visibility into your everyday transactions and payments.

Reports

Detailed financial reports and personalized recommendations.

Financial education, explained clearly

Helpful articles about FICO scores, refinancing, and personal loans, written simply for better-informed decisions.

View all articles

Credite online cu aprobare rapida

Creditele online cu aprobare rapida sunt o solutie pentru nevoile financiare urgente. Afla cum un broker de credite te poate ajuta sa obtii rapid un imprumut personal avantajos.

Echipa FinovoRead article

Imprumut online fara garantii

Un imprumut online fara garantii ofera acces rapid la bani fara a necesita o ipoteca. Afla cum un broker de credite te poate ajuta sa gasesti cea mai buna oferta.

Echipa FinovoRead article

Credite personale cu dobanda mica

Ghid pentru creditele personale cu dobândă mică - ce înseamnă, cum alegi varianta potrivită și cum un broker de credite îți maximizează șansele de aprobare.

Echipa FinovoRead article

Imprumut personal rapid aprobat

Totul despre împrumuturile personale rapide aprobate - cum funcționează, cum alegi cea mai bună ofertă și cum un broker de credite îți simplifică procesul.

Echipa FinovoRead article

Finantare nevoi personale urgente

Un credit pentru nevoi personale poate fi solutia ideala pentru a acoperi cheltuieli neprevazute. Afla cum functioneaza, cand sa optezi pentru el si cum te poate ajuta un broker de credite.

Echipa FinovoRead article

Finovo in the press

A selection of published materials about credit, Finovo and the IPS financial group it belongs to, refinancing, and the financial context behind our analysis.

External articles from partner and general-interest publications.

Contzilla

10 public sources checked by the bank for your credit

Contzilla

ROL.ro

How access to personal loans has grown over the last 5 years

ROL.ro

Ziare.com

Paying credit installments that are too high? Refinancing may be the solution

Ziare.com

Libertatea

Advantageous credit for you or for the bank?

Libertatea

Need help?

Talk directly with the Finovo team.

Choose the right channel for questions about your score, report, or credit readiness.

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