| PLMD

Online Loan from UniCredit Consumer Financing IFN S.A

Online Credit from UniCredit Consumer Financing IFN S.A.

Select the desired number of installments and the 100% Online Partner Credit offer.
You will be redirected to the UniCredit Consumer Financing platform for online identification.
Complete the information required for the credit assessment and sign the documents remotely using a qualified electronic signature.
If the credit is approved, the selected goods will be delivered to the address in Romania specified by you.

Everything is online – no need to visit the bank!

What documents are required?

Original ID card
Email address
Phone number

You can apply for an online loan granted by UniCredit Consumer Financing if:

You are between 18 and 75 years old (the loan must be fully repaid by the age of 75).
You are a Romanian citizen, born and residing in Romania.
Your income can be verified through the ANAF database*.

* Applicable to income categories (for example, salaries) that can be verified through the databases of the National Agency for Fiscal Administration (ANAF), based on your consent for consultation and processing of information from ANAF databases.

The following sources of income are accepted:

✓ Salary income
✓ Pension income

Product Financing Details

Financial Product	Amount	Annual Interest Rate (Fixed)	Credit Analysis Fee*	Monthly Administration Fee	Loan Term	APR**
Low APR 1	1,000 – 2,999.99 RON	25%	0 RON	10 RON	12–36 months	37.92%
Low APR 2	3,000 – 4,999.99 RON	22%	0 RON	10 RON	12–48 months	30.09%
Low APR 3	5,000 – 50,000 RON	11%	0 RON	10 RON	12–60 months	12.44%

Representative Example (without life insurance)

For a Low APR 1 / 2 / 3 loan (subject to meeting eligibility criteria) with a total loan value of 1,500 / 2,500 / 7,500 RON over 36 / 48 / 60 months:

Fixed annual interest rate: 25% / 22% / 11%
Credit analysis fee: 0 RON
Monthly administration fee: 10 RON
Monthly installment (equal payments): 70.82 / 90.14 / 174.50 RON
Total amount payable: 2,549.34 / 4,326.43 / 10,470.00 RON
APR: 46.01% / 34.60% / 14.93%

No Credit Analysis Fee

Receive an immediate response**, provided that the eligibility conditions according to our internal regulations are met and the credit documentation is complete.

*Exceptions apply where a lending decision cannot be made immediately for reasons beyond the control of UniCredit Consumer Financing IFN S.A., or where additional analysis of the application is required. The creditor reserves the right to assess and approve or reject the consumer credit application in accordance with internal regulations and legal requirements.

Where and How Do You Pay the Installments?

You can pay installments related to the 100% Online Partner Credit:

In cash at any UniCredit Bank S.A. branch
Online via Online Banking or Mobile Banking (if you have these services with UniCredit Bank S.A.)
At locations displaying the PayPoint and SelfPay logos

Contact Details for UniCredit Consumer Financing

Email: support-online@unicredit.ro
Phone: +40 21 200 97 11 (standard-rate call within the Orange Romania Communications fixed network)
Working Hours: Monday–Friday, 09:00–21:00

UniCredit Consumer Financing IFN S.A. processes personal data in accordance with applicable legal provisions. Detailed information regarding data processing and the exercise of data subject rights is available upon request.

Buy on credit