Overview
Click Credit is a Romanian loan brokerage that compares offers from eight partner banks — covering mortgages, refinancing, personal loans, auto loans, land purchases, and construction loans — without charging borrowers a fee. The whole value proposition lives or dies on trust. We built both sides of that trust: the public marketing site that explains the process and previews the offers, and the application platform where borrowers photograph their ID, get their data auto-populated from the national trade registry, compare real bank offers side by side, and receive updates via SMS and WhatsApp as they move through the workflow. Two properties, one end-to-end ecosystem.
The Challenge
Fintech trust is brittle. Romanian borrowers have been burned by enough shady "credit consultants" to default to skepticism. Click Credit is actually different — zero fees for borrowers, ANPC authorised, direct bank partnerships — but none of that matters if the website feels like every other intermediary. The marketing site needed to do something the competition doesn't: make the process transparent enough that a borrower could see every step before committing to anything.
The application platform had an even higher bar. Applicants are submitting sensitive personal and financial data. They need to trust the upload flow. They need to see why the platform is extracting data from their ID card automatically (instead of typing it). They need to understand why it's looking up their employer in the national trade registry (instead of asking them). They need to see the multi-bank offer engine return real comparable offers. Every convenience had to be explained in the flow, because in fintech, silent magic looks suspicious.
The Approach
We built two connected properties with clearly differentiated roles, engineered for the different jobs they do.
Public marketing site (clickcredit.ro): Strip everything that isn't earning trust. Lead with the process. Show the banks. Show the zero-fee promise. Show the simulator that lets visitors model their loan before they even start an application. Make every step of the process a visual with a time estimate — "Registration (5 minutes)," "Consultation (1 business day)," "Offer Presentation (3 business days)," "Disbursement (upon acceptance)." A borrower who lands on the homepage can understand the entire funnel in under 60 seconds.
Application platform (client.clickcredit.ro): Make it as frictionless as possible without hiding what's happening. Every convenience feature — OCR ID capture, ONRC employer lookup, digital signature, SMS notifications — is explained in-flow. No mystery. The borrower always knows what the platform is doing on their behalf and why.
The Solution
On the public marketing site
- Four-stage visual process explainer — Registration → Consultation → Offer Presentation → Disbursement, each with a time estimate
- Loan simulators that let users adjust loan amount, repayment period, and interest type (fixed / variable) with live rate recalculation
- Side-by-side bank offer comparison table showing BCR, BT, BRD and others with monthly payment, interest rate, and fees
- 8 partner bank logos displayed in grayscale — professional without shouting
- ANPC authorisation display — legal credentials visible on every page
- Structured SVG icon library — custom flat icons for every loan type and process stage
- Modern fintech aesthetic — white backgrounds, teal / blue CTA accents, contemporary without being stuffy
- Facebook Conversion API + TikTok Pixel for measured-funnel tracking
- SSL, GDPR compliant, privacy policy prominently linked
On the application platform
- OCR-powered ID extraction — applicants photograph their Romanian ID card and the platform extracts the data, auto-populating the application form. Name, CNP, address, date of birth — all captured in seconds. No more typing error-prone fields on a phone keyboard.
- ONRC (trade registry) integration — applicants enter their employer name and the platform queries the Romanian national trade registry in real time, pulling live employer data (CUI, legal status, registered address) and auto-populating the employment section of the application
- Multi-bank offer engine — applications are submitted to all partner banks simultaneously, and results come back as comparable offers the borrower can rank side by side
- Digital signature where the partner banks support it — for fully paperless applications
- SMS + WhatsApp status notifications — borrowers get real-time updates on where their application stands in the workflow
- Document upload flow with client-side validation and drag-and-drop
- Status tracking dashboard with visible progress indicators and expected timelines at each stage
- Consultant routing — each application is assigned to a consultant, and the borrower can see who is handling their case
Key Moments
The process explainer as a first-impression tool
Most loan brokerage sites open with a generic "Apply Now" button and hide the process. We opened with the entire process, visible above the fold — all four stages, each with an estimated time — so a borrower can see exactly what they're signing up for before they commit. This is the kind of honesty that usually scares conversion specialists. In fintech, it's the thing that wins trust.
OCR that saves real time
On the application platform, a borrower photographs their ID card with their phone camera. The system extracts the name, CNP, address, and date of birth automatically. The applicant reviews, confirms, and moves on. This is the feature that converts the form from "seven minutes of typing" to "thirty seconds of photographing." It's not magic — it's OCR applied at the exact point in the flow where friction matters most.
ONRC integration
When an applicant types their employer name, the system queries the Romanian trade registry (ONRC) in real time, pulls the official company details (CUI, legal status, registered address), and auto-populates the employment section of the application. This cuts the "tell us about your job" step from several minutes of typing to a one-field lookup. Not magic, just a clever use of a public API at exactly the right moment in the user flow.
The funnel as a single engineered system
The real craft here is that the marketing site and the application platform work as one funnel. A borrower lands on clickcredit.ro from Google, reads the process, clicks through to start an application, and is immediately inside the application platform — no context loss, no new login, no "create account then come back" interruption. We engineered the handoff between the two properties so the user experience feels like a single product.
The Stack
Marketing site:
Custom build · Structured SVG iconography
Loan simulator (live JavaScript calculation)
Bank comparison table (dynamic updates)
Facebook Conversion API · TikTok Pixel
GDPR compliant · ANPC authorised
Application platform:
Authenticated borrower dashboard
OCR for ID document extraction
ONRC trade registry API integration
Multi-bank offer engine
SMS + WhatsApp notification delivery
Document upload with client-side validation
Digital signature integration (where supported)
Consultant routing and assignment
The Result
A live, operational fintech ecosystem serving Romanian borrowers nationally. ANPC authorised. Zero-fee model for users. Eight partner bank integrations active. The marketing site converts cold visitors at rates the client is happy with. The application platform reduces borrower friction dramatically — from typing-heavy forms to photograph-and-confirm flows. Both sides work together as one funnel, from cold visitor to approved applicant, with no dead ends between them.
Not just a marketing site, not just an application — a complete digital credit brokerage engineered to work as one system.
