Get an estimate
Choose an amount and term to see an indicative payment.
Local mutual financial institution
CAR member loans. A local partner.
Straightforward financial solutions for our community members, with fixed interest, clearly explained terms and no hidden fees.
No hidden fees
Early repayment without penalties
2,000+active members
4local branches
Local recognition1st place in Covasna · 2023
A member-owned institution
Here, you are more than a customer. You are a member.
C.A.R. FOKKUS is built around local solidarity. Members’ funds return to the community through responsible loans, direct guidance and long-term relationships.
3counties served
10,000+loans granted
4local communities
Simple from the start
From estimate to answer in three clear steps
We explain every cost and document before you make a decision.
Prepare your documents
We show you exactly what is needed for your chosen loan.
Receive an answer
In most cases, a complete review takes 24–48 hours.
Secure members portal
Your financial position, close at hand.
View loans, social fund and history in one place, with protected access and daily updates.
Member voices
Trust is built through every conversation.
“Very satisfied: a good rate, excellent staff, detailed explanations and options that work for you as a member. I recommend them with confidence.”
Useful information
Frequently asked questions
Can’t find the answer? Our team can help directly.
Contact the teamContact one of our four offices in Târgu Secuiesc, Miercurea Ciuc, Brețcu or Codlea, serving Covasna, Harghita and Brașov counties. Each office page includes its address, phone number and opening hours.
Complete the membership form and submit your documents at one of our offices. Our team guides you step by step.
Identity card, income certificate, bank statement and additional documents depending on the loan type.
Rates vary by loan type and repayment period. The online calculator provides an estimate for your circumstances.
In most cases, 24–48 hours after all documents have been submitted.
Yes, at any time, without penalties or additional fees.
The first step takes only a few minutes
Find the payment that fits your plan.
Covasna · Harghita · Brașov
CAR member loans in your community
Choose an office for its address, opening hours and information about membership and loans.