Microcredits in Moldova: Who’s Top on Google?

Top 25 most visited sites in the niche “microcredits” in Moldova.

The purpose of the analysis: to show the potential of key queries, the dynamics of organic traffic, to identify leaders, to determine the seasonality and capacity of the market.

The ranking includes sites from Google search engine that offer services in the field of microcredit in Moldova.

Local banks, which are also present in this segment but do not belong to the category of microfinance organizations, were excluded from the analysis.

The table reflects traffic that has been received in the last 30 days. (October 2025)

*Methodology and assumptions. For evaluation we use Ahrefs analytics service – one of the most accurate tools on the market. However, its Organic Traffic metric is a model assessment based on positions and clickability, so it is often lower than the actual traffic. For our projects, the difference is usually 3-5 times, which we regularly check with GSC/GA4.
So if the Ahrefs report shows a notional 1,000 visits, the real volume may be 3,000+. This is not a “tweak” but the limitations of the model: the tool does not see part of the “long tail”, brand variations, local and fresh queries, Discover, etc.
Please keep this assumption in mind when reading the figures: Ahrefs is rather conservative.

For clarity, let’s display the traffic volume data in a pie-shaped pie chart to see who is taking a big bite out of it.

*Diagram #1 shows the distribution of traffic between players in the niche: “Microcredits”

Comparison of traffic from Google for the years 2024-2025

In this section, we compare the total search traffic of all 20 players for 2024 and 2025.

“Total traffic” is all conversions from Google for any search query: both branded (e.g., “credit 365”, “iute credit”) and general (“online credit”, “credit pe card”, “ credit online moldova”,“coredit chisinau“, “credit nebancar “, etc.).
The indicator reflects the overall scale of a site’s visibility in search and covers all key destinations and pages for which users find the clinic on Google.

Unbranded traffic

The table reflects the % of non-branded traffic comparing 2024 – 2025.

Non-branded traffic is queries that do not include “brand name”, but are related to the services that the company offers. For example, queries “credit Moldova”, “credit online moldova”, “credit fara refuz moldova” and other key queries that users use in Google.

For clarity, let’s display the data on the volume of organic traffic in a pie chart to clearly see who takes a big bite. Example of queries: credit pe card, refinantare credit, loans in moldova, credite pentru afaceri, credit ipotecar, credit cu gaj auto, online loan without refusal moldova, loan without credit history check moldova, interest-free loan in moldova, etc.

Branded traffic

Branded traffic is search queries that mention the name of a company, brand or domain.

For example: “iute credit moldova”, “easy credit chisinau”,

Queries contain the name of a brand. The user heard somewhere, saw an advertisement, noticed a sign or a recommendation, and then decided to clarify the details in Google search.

100% branded traffic to the site – indicates that the site is ranking poorly in Google search and is hardly visible, the site is not getting traffic on users’ “key queries”.

The ratio of “branded – of non-branded” traffic in %

This is a bar chart by sites in the Microcredit niche for 2025.

Each column = 100% of a particular site’s traffic, broken down into two shares:

• purple – non-branded traffic (conversions from searches on general queries like credite chisinau, credite online, credite fara gaj, etc.);
• blue – branded traffic (requests with the company name).

How to read

• Compare the height of the purple part: the bigger it is, the stronger the site grows due to SEO on general queries.
• The bigger the blue part, the higher the brand/offline/advertising dependency.

The diagram shows which sites in the “microcredit” niche are gaining audience through SEO, and which sites are gaining audience through brand awareness.

Traffic to the site by top queries

The table demonstrates by which queries the site gets the most visitors.

Top 5 sites hijacking traffic on “commercial queries”

How much is organic traffic worth?

Organic Traffic Value is an estimate of what the current volume of free visits would cost if a company were to buy those clicks through Google Ads.

Simply put – it is the market price of a site’s visibility in search.

If a site gets 8000 visits per month and the average click price for such queries is $0.30
then its organic traffic is valued at about $2.4k per month

Seasonality analysis

*Diagram No. 2, reflects the dynamics of search demand for the query “credit online” in Moldova for 2023-2025. Each point is the total number of requests per month.

This confirms that Moldovans actively use Google to search for information about microcredit, users – read the description of services, compare conditions, read reviews, look for a nearby address.

Financial performance

Conclusions:

General dynamics by monetary indicators

Aggregate market data shows strong growth in key financial metrics:

• The sector’s turnover increased from 3.019 billion lei to 3.147 billion lei (+4.2%)
• Total profit from 885.9 million to 948.1 million lei (+7%)
• Total number of employees from 1,344 to 1,425 (+6.0%)

This suggests balanced niche growth: companies are increasing profits faster than turnover, reflecting cost optimization and digitalization of lending processes.

Microinvest.md controls about 39% of the sector’s total turnover of 1.21 billion lei in 2025, showing that the market remains concentrated in the hands of large players.

Overall dynamics in terms of traffic growth

There is a positive trend, 16 out of 25 sites showed growth in 2025 in terms of traffic to the site. The average growth for the niche was about +24%.

Some players recorded a decrease in organic traffic, indicating a lack of SEO support:

Market leaders

In the online space in terms of share of online traffic are

microinvest.md (14.9%), ecredit.md (11.8%), iute. md (10.6%), credit365.md (10.4%), creditprim. md (8.4%)

Seasonality

According to Ahrefs data, the overall search demand for credit topics (using the query “credit online” as an example) remains stable, the last 3 years the peak is in March around 1200 queries per month.

Non-branded traffic is the main indicator of SEO results

Showing how much a site is able to attract new audiences from Google searches, not just bring back existing customers by company name. In 2025, 12 out of 25 companies in the niche receive organic traffic.

The leaders are: microinvest.md – 2007 transitions, credit365.md – 942, mogo.m d – 592.

About 17 sites in the microcredit niche attract most of their traffic – more than 90% of transitions are made using branded queries (“yute credit”, “easy credit”, “credit praim”, “credit sebo”, “forza credit”, etc.).
Their growth is largely due to brand recognition rather than the results of systematic SEO optimization.

The online loan market in Moldova remains highly concentrated:
three companies(Microinvest.md, Ecredit365.md, mogo .md) control more than half of all organic traffic (≈58%).

Competition on “commercial keys”

Request “Сeredit online ” – the banking sector confidently holds the first position.
Micb.md (600, 36.6%), maib.md (300, 16.7%) microfinance organizations follow with a noticeable lag. The total share of banks exceeds 60% of traffic on this key.

“Credit pecard ” – Micb.md (37.7%) is the undisputed leader.

“Credit Chisinau ” – credit.md is the clear leader here, holding a share of (33%)

“Coredit doar cu buletinul ” – banks are back at the top, intercepting (71.6%), creditprime.md retains (10.5%), the remaining (17.9%) is shared by other microfinance organizations.

“Loan“ bank Micb.md – 33.3% confident leader, Maib.md – 10.9% the second most visible bank that actively develops the “loans” section Despite the smaller share, Maib stably holds in the top 5 SERPs.

Experts’ Opinion

FAQ – Questions and Answers

0 0 голоса

Рейтинг поста

Подписаться

Уведомить

о новых комментах новых ответах на мои комментарии

Label

{} [+]

Имя*

Email*

Веб-сайт

Label

{} [+]

Имя*

Email*

Веб-сайт

0 Комментариев

Старые

Новые Популярные

Межтекстовые Отзывы

Посмотреть все комментарии