Credit that says yes.
We built Creditly because the system was designed to say no. We're changing that — one real approval at a time, across two continents.
Good people get the wrong answer every day.
Banks and lenders run on credit scores built for yesterday's borrower — someone with a 10-year history, a single employer, a mortgage. A student finishing a degree in Madrid, a freelancer in São Paulo, a family new to Lisbon: the model sees a thin file and stops reading. The answer is no before the conversation starts.
We saw the same pattern across Europe and Latin America. People who pay their rent on time, who manage money carefully, who simply haven't had the chance to build the kind of history legacy systems reward. They weren't bad credit risks. They were invisible to a system that wasn't built for them.
Creditly was built to fix that. Our matching engine reads a wider picture — income patterns, declared history, life context — and routes each person to the lenders whose products genuinely fit them. The result is a real offer, from a real lender, at a rate that reflects who you actually are.
Four principles we won't negotiate on.
Fair by design
Our model is trained to surface better matches, not to optimise for lender revenue. We audit for bias across every market we operate in — including the ones that are hardest to measure.
Real offers, not ads
Every offer you see is a genuine pre-qualified result from a lender who has already assessed your profile. We never sell placement. We never rank by who pays us more.
Your data is yours
Consent is yours to give and yours to withdraw. We transfer data only to lenders you've explicitly approved, under GDPR in Europe and equivalent frameworks in Latin America.
Built for two continents
We operate across Europe and Latin America because financial exclusion looks the same on both sides of the Atlantic. One platform, one standard of fairness, fourteen markets.
From the Iberian Peninsula to the Southern Cone.
Our teams and lender networks are active in Madrid, Barcelona, Lisbon, Mexico City, São Paulo, and Bogotá — with new markets launching as the network grows.
We're building the yes.
If the problem matters to you, we'd like to talk.