Eligibility
You may use Creditly if you are at least 18 years of age (or the legal age of majority in your jurisdiction, if higher), resident in a market where Creditly operates, and have the legal capacity to enter into binding financial agreements. By creating an account you represent that all information you provide is accurate, current, and complete.
Creditly is a credit-matching service, not a lender. We do not issue credit, set interest rates, or make credit decisions. All credit decisions are made solely by the partner lenders to whom your profile is referred.
The service
Our service allows you to submit a profile containing financial and personal information and receive indicative offers from our lender network. An indicative offer is not a binding commitment by any lender to extend credit. All offers are subject to the lender's own full underwriting, verification, and regulatory processes.
We make commercially reasonable efforts to maintain platform availability but do not guarantee uninterrupted service. We may suspend access for maintenance, security reasons, or regulatory compliance without prior notice.
Credit searches and data accuracy
By using the matching service you authorise Creditly to perform a soft credit search on your behalf with licensed credit reference agencies. This search does not affect your credit score. However, if you proceed with a full application through a partner lender, that lender will perform its own hard search under its own terms, which may affect your credit file.
You are responsible for ensuring that the information you provide is accurate. Providing false or misleading information may constitute fraud under applicable law and may result in immediate termination of your account and referral to relevant authorities.
No guarantee of approval
Creditly does not guarantee that any lender will extend credit to you, that any indicative offer will be confirmed on full application, or that the terms of any confirmed offer will match the indicative terms. Credit decisions depend on each lender's proprietary criteria and on information retrieved during their own underwriting process.
We are not liable for any loss, cost, or inconvenience arising from a lender's decision to decline an application, withdraw an offer, or modify the terms of an offer after full underwriting.
Acceptable use
You agree not to: use the platform for any unlawful purpose; attempt to access accounts or data belonging to other users; interfere with the platform's security, availability, or integrity; scrape, copy, or redistribute any content from the platform without our written consent; or use the platform to launder money or finance prohibited activities.
We reserve the right to suspend or permanently terminate accounts that violate these terms. Creditly may also report suspected fraudulent activity to law enforcement and regulatory bodies.
Liability and governing law
To the fullest extent permitted by applicable law, Creditly's aggregate liability to you for any claim arising out of or related to these terms or your use of the service is limited to the greater of (a) the total fees, if any, paid by you to Creditly in the twelve months preceding the claim and (b) EUR 100 / BRL 600 / MXN 2,000 (as applicable to your jurisdiction). Nothing in these terms limits liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be limited by law.
These terms are governed by the laws of Spain (for European users) or the laws of Mexico (for Latin American users), without regard to conflict-of-law principles. Disputes that cannot be resolved amicably shall be referred to the courts of Madrid (Europe) or Mexico City (Latin America), unless mandatory consumer-protection law in your country of residence requires otherwise.