Instant funds, just when you need them
Cover unexpected expenses or bridge the gap until your next income with a Credins Overdraft. Enjoy quick access to extra funds directly from your personal account — flexible, secure, and tailored personally for you.
How your Credins Overdraft works
Your overdraft is directly linked to your Credins current account, giving you instant access to additional funds whenever you need them. It’s a simple, flexible solution designed to help you stay in control of your finances — personally for you.
Get your limit approved
Apply for an overdraft linked to your salary or personal account. Based on your income, Credins sets a personalized limit — so you always know exactly how much extra you can use.
Use it when you need it
Whenever your balance drops below zero, the overdraft automatically covers your expenses. You pay interest only on the amount you actually use.
Repay automatically
Each time new funds arrive in your account, your overdraft balance adjusts automatically — restoring your available limit and keeping your finances running smoothly.
Understand your overdraft before you apply
From how it can help you, to what you’ll need for approval — here’s a quick overview of everything that makes Credins Overdraft simple, transparent, and personally for you.
Cover what matters, right when it matters
A Credins Overdraft helps you manage short-term gaps in your finances — whether it’s unexpected bills, travel plans, or personal purchases before payday. The funds are instantly available from your account, giving you freedom and peace of mind whenever you need it.
Who can apply for an overdraft
You can apply if you hold a Credins current account and receive a regular income, such as a salary or pension. For clients subscribed to the Paga Plus package, preferential conditions apply — including lower interest rates and simplified approval.
What you’ll need to apply
Bring a valid ID and proof of income (such as your last salary statement or employment certificate). Our advisors may request additional documents depending on your employment type, but most applications are approved within one working day.
Key conditions at a glance
The Credins Overdraft offers a credit limit of up to 500% of your net monthly salary, depending on your income assessment. It can be approved for a period of up to 24 months, with the possibility of renewal. Interest rates start from 14% in ALL and 12% in EUR or USD, while clients with the Paga Plus package benefit from preferential rates. There are no administration fees, and repayment happens automatically with each salary deposit — you pay interest only on the amount you use.
Apply online or at your nearest branch
Submit your application directly through our online form or visit any Credins branch. Our team will guide you through the process and help define a personalized limit based on your income and needs. Approval is typically completed within one business day.
FAQs
Here are some of the most common questions about Credins Overdraft — so you know exactly how it works before you apply.
An overdraft lets you spend more than the balance available in your current account, up to an approved limit. It acts as a financial buffer — automatically covering payments when your balance is low, and adjusting itself once new funds arrive.
Any individual with a Credins current account and a regular income, such as a salary or pension, can apply. Clients with the Paga Plus package enjoy simpler approval and more favorable rates.
The limit depends on your income and can reach up to five times your net monthly salary. The exact amount is defined after an income and account activity assessment by Credins.
Repayment happens automatically whenever your salary or other funds are deposited into your account. You pay interest only on the amount you’ve used and only for the period it was used.
Approval is typically completed within one working day for individuals with regular income and an active account. You can apply directly online or by visiting your nearest Credins branch.
Still have questions about overdrafts?
Our team is ready to guide you through every detail — from eligibility to application. Get personalized support and find the overdraft option that fits your lifestyle personally for you.
Apply for a Credins product
Fill out the form below and a Credins representative will contact you to complete your application.
