Fintech · Lending Portal

Mobilo Credit

Since 2019 we have designed, built and continuously evolved the customer portal of Mobilo Credit, a Romanian non-bank lender. Every step of the loan, from identity check to e-signature, repayment and repeat offers, happens online and stays in sync with the company’s CRM in real time.

Client: Mobilo Credit · non-bank lender, Romania
Industry: Fintech · Consumer credit
Year: 2019 – present
Services: Product design, Web development, Integrations, Ongoing support

The challenge

What needed to change

Mobilo Credit offers short-term loans and revolving credit lines to individuals across Romania. The business model only works if a customer can apply, be verified, sign and receive money without ever visiting an office — and if the risk and compliance team keeps full control over every decision.

One portal had to cover remote identity verification, consent-based checks with the Credit Bureau and the tax authority (ANAF), legally valid electronic signatures, card enrollment and payments, and a self-service area for existing customers. All of it had to run against a Salesforce CRM that remains the single source of truth for offers, contracts and risk rules.

Our approach

How we solved it

The portal is a Laravel application that talks to Salesforce through a REST integration layer with token management and retries. Offers, pricing and eligibility live in the CRM; the portal renders what the CRM decides, so the business can change rules without a deployment.

Around it we connected the specialist services a digital lender needs, and designed every screen — including the camera-based identity check and the payment flow — for the phone first, because most applications start on a phone, often straight from an ad.

Five-step digital onboarding — personal data, financial data, identity, consents and offer — saved at every step
ID document capture with automatic data extraction, plus video selfie and liveness check through Onfido
Phone and email verification by one-time codes
Credit Bureau and ANAF income checks pulled with the customer’s electronic consent
Legally valid e-signature, signed PDF documents, timestamped consents and a full audit trail
Self-service account: available limit, withdrawals, due dates, history, documents and card payments
Term extensions, payment-promise reminders, co-borrower invitations and refinancing flows
The Mobilo Score (2026): an animated 1–5 score that rewards good payers with interest-free due dates, driven entirely by the CRM