For customers in our country, Ocean Credit Romania is an affordable alternative to the non-bank loan market, which gives them the opportunity to quickly access a loan of between RON 100 and 1500. Operated by Ocean Credit IFN SA, this digital credit granting platform is registered in the General Register of the National Bank of Romania under number RG-PJR-41-110300 / 28.08.2015 and has over 15 employees (according to the balance sheet for 2016) . In terms of financial results, the company has fixed assets of ROL 243,782 at the level of 2016. The Ocean Credit institution was set up by 2 associates and is managed by 3 administrators, the value of the share capital being RON 1,000,000.
Regarding the activity, it is carried out at the headquarters located in Bucharest, Calea Floreasca Nr. 112, et. 2 sector 1, where departments for credit analysis, verification and granting are also stationed. The work schedule is between 9-18, Monday to Friday, and the weekend is not a program with the public. The Fast Loan Service Provider’s website is optimized for mobile phones and tablets, even if there is no dedicated mobile application.
Because customer interaction is the main way in which the service can successfully operate, Oceancredit offers them some quick ways to get in touch and get a loan at maximum speed:
For those who prefer to stay in touch with or follow the company’s activity, it offers dedicated pages on two major social media channels: Facebook (the community counts over 10,666 people) and Instagram (where there are 77 followers).
It is important to know that this company will not lend loans with a value between 100 and 1500 Ron for a minimum of 7 days and a maximum of 30 days. Because the amount of credit allows for a wide range of financial expenses (repairs, payment of bills, payment of an advance for a last minute trip, etc.) and is obtained very quickly, this type of loan is to the liking of many of the Romanians who have need money. In addition, the credit conditions imposed by ocean credit online are very clear and are folded at the financial level of many of the Romanian customers:
When the applicant uploads a copy of the identification document, a copy of the most recent bank statement and bank account details, the application procedure is considered to be initiated. From the time of approval, as a result of analyzing the file, the money is transferred to the card or bank account within 30 minutes; it should be noted that for the maximum amount that can be borrowed in the first stage (500 Ron) for a maximum repayment period (30 days), the DAE value is 2450,32%, which means an interest cost of 152, 50 Ron. Here are the types of quick credits offered by
As regards the amount of interest applicable to such a loan, this non-bank ifn company does not calculate such interest based on the 365-day period but calculates it according to the period of the loan and in relation to the amount is borrowing.
Ocean Credit allows existing customers to obtain a new credit from this company, provided they are at this ifn institution and only after the first loan has been returned. There is a possibility to extend the payment term in the event of difficulties in repayment of the loan, and if a customer proves to be bad-payer, the amount of the penalty interest that is applied for each day of delay is in the amount of 1.5%. The customer may repay any loan received from this non-bank service provider through the following methods of returning money:
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