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Oney Credit Solutions (3xOney and 4xOney) are provided by Oney Bank to eligible individuals for insignificant costs (maximum 0.5% of the total value of the loan), being repayable within a maximum of 60 days (for 3xOney) or 90 days, but no more than 3 months (for 4xOney).

Representative example for 3xOney with insignificant costs:

For a credit of 900 lei granted through 3x Oney for purchases on https://efabrik.ro/ the customer will pay the following amounts:
• an initial rate of 304.50 lei, then
• 2 monthly installments of 300 lei each, which are repaid every 30 days from the payment of the initial installment.

For a loan repaid within 60 days, the fixed interest rate is 6.08%, and the effective annual interest rate (APR) is 6.2993%. The cost for the customer is 4.50 lei, representing 0.5% of the total value of the loan, and the total value of the loan is 904.5 lei.
Representative example for 4xOney with insignificant costs:
For a credit of 1,600 lei granted through 4x Oney for purchases on https://efabrik.ro/ the customer will pay the following amounts:
• an initial rate of 408 lei, then
• 3 monthly installments of 400 lei each, which are repaid every 30 days from the payment of the initial installment.

For a loan repaid within 90 days (and no more than 3 months), the fixed interest rate is 4.06% and the annual effective interest (APR) is 4.1554%. The cost for the customer is 8 lei, representing 0.5% of the total value of the loan, and the total value of the loan is 1,608 lei.

This is an indicative example of a credit solution. Final information will be indicated in the confirmation email including the final repayment schedule. The information presented in the credit simulator is indicative and does not represent a contractual obligation of Oney Bank to provide a Oney Credit Solution. The maximum amount of credit you can receive will be determined based on the information you provide and will be subject to Oney Bank's internal evaluation. The provisions of GEO no. 50/2010 on consumer credit contracts, as amended, does not apply to Oney Credit Solutions, which remain subject to general consumer protection legislation, including but not limited to Government Ordinance no. 85/2004 on consumer protection when concluding and executing distance contracts regarding financial services ("EOG no. 85/2004").

According to GEO no. 85/2004, you have a period of 14 calendar days to withdraw from the c