Three steps to yes.
We read your whole financial picture and surface only the lenders who will actually approve you — no guesswork, no hard checks.
Tell us about you
Two minutes. We ask about your income, employment, and what you need the credit for. No documents required at this stage — just the basics.
- Monthly net income & employment type
- Existing debts and any missed payments
- Loan purpose, amount, and preferred term
We analyse your picture
Our matching model reads far more than a score. It weighs your full credit history, thin-file signals, income stability, and market-specific lender rules across all 14 markets.
- Soft check only — never visible to lenders
- Thin-file profiles treated fairly, not penalised
- Country-level affordability rules applied automatically
See your real offers
Your personalised offer shelf appears within seconds. Every offer shown is one you pre-qualify for — ranked by match strength, not by which lender pays us most.
- Real APRs, not teaser rates
- Ranked by true fit, not commission
- Compare monthly repayments side-by-side
Pick one and apply
Choose your offer, confirm a few final details, and submit. Most applications complete inside the app in under five minutes. Lenders respond fast — often in minutes.
- One-tap application inside the app
- Lender decisions often within minutes
- Funds to your account in 1–3 business days
Your full picture,
not just a number.
Traditional lenders see a single score. We see everything that score misses.
Credit rating
We read your bureau score as one signal among many — not the deciding factor. A lower score doesn't close the door.
Past debts & repayments
Patterns matter more than individual events. A few late payments years ago weigh far less than consistent recent behaviour.
Thin-file profiles
New to credit or recently relocated? We have lenders who specialise in thin files and international credit histories.
Income & stability
Freelance, salaried, or part-time — we model income stability across contract types and map it to each lender's affordability rules.
Existing obligations
Your current monthly debt load tells us your real capacity. We only show you offers where the maths works for your budget.
Market-specific rules
Lending regulation varies across our 14 markets. Our model applies country-level caps and criteria automatically — you never need to know them.
Checking your offers will never affect your credit score.
Creditly uses a soft credit enquiry — the kind that is completely invisible to lenders and has zero impact on your score. Only when you choose a lender and formally apply does a hard check occur, and only the lender you chose will see it.
Find out what you qualify for — free, in two minutes.