eCredit 1.0.5

The "eCredit" mobile application enables users to effectively manage existing loans from O.C.N. "Easy Credit" S.R.L. and to conveniently apply for new credit remotely via their mobile devices. Accessing the application requires an IDNP and a password, which may be obtained through email or SMS.

Main features of the eCredit application include:

• Secure access to loan information with N.C.O. “Easy Credit” LLC;
• Ability to make monthly payments or settle loans entirely via bank card, available 24/7;
• Choice of interaction language during the session;
• Receipt of important client notifications;
• Submission of remote credit applications under favorable terms;
• Access to the locations and contact details of secondary offices and partners through an integrated map.

It is essential to have an active or settled credit with O.C.N. “Easy Credit” S.R.L. to gain access to the eCredit application.

Conditions for obtaining credit are as follows:

• Loan amount ranges from 2,000 lei to 99,000 lei;
• Repayment periods vary from 6 to 36 months;
• No fees for early repayment; borrowers are entitled to reduce the total cost of the loan if obligations are fulfilled earlier than the agreed date;
• Interest rates range from 22.08% to 29.88% annually based on the loan amount;
• Administration fee of 25 lei per month;
• No charge for credit file analysis;
• No fee for credit issuance;
• Maximum Annual Percentage Rate (APR) stands at 112%;

For example, securing a loan of 50,000 lei with a repayment period of 12 months would entail paying 12 monthly installments of 5,112 lei each, resulting in a total repayment amount of 61,344 lei. The total cost of the loan would culminate in 11,344 lei, inclusive of interest and administrative fees. The effective annual interest rate for this scenario is calculated at 44.42%.

Regarding privacy policy, all personal information provided is safeguarded by O.C.N. “Easy Credit” S.R.L. in compliance with the Law on personal data protection No. 133 dated August 8, 2011. The complete text of this law is accessible through the National Center for Personal Data Protection website at www.datepersonale.md/md/legi/. O.C.N. Easy Credit S.R.L. operates as a registered data operator under numbers 0000446, 0000446-001, and 0000446-002. The full privacy policy can be reviewed at https://ecredit.md/cadrul-normativ/regulament-privind-utilizare-a-aplicatiei-software-ecredit/.

Your consideration is appreciated.