Question 1

Why should I check my Kreddi Score first?

Accepted Answer

Your Kreddi Score gives us (and you) a complete picture of your financial position across 5 categories. This means we can match you with lenders who specialise in your exact situation, increasing your chances of approval and getting you better rates. It takes 5 minutes and has no impact on your credit score.

Question 2

Will checking my score affect my credit?

Accepted Answer

No. Checking your Kreddi Score does not impact your credit score at all. We analyse your financial position across income, assets, debts, cash flow, and borrowing power, but we don't run a credit check until you choose a lender and proceed with a formal application.

Question 3

What if I just want to apply directly?

Accepted Answer

You can skip straight to our application portal if you prefer, but we recommend checking your Kreddi Score first. It helps us find you better matches and gives you personalised recommendations to improve your position before applying. Most customers who check their score first get better offers.

Question 4

How long does the whole process take?

Accepted Answer

Checking your Kreddi Score takes about 5 minutes. After reviewing your score and recommendations, you can proceed to a full application which takes another 5-10 minutes. Most customers receive conditional approval within 2 hours during business hours.

Question 5

What if I have bad credit?

Accepted Answer

Your Kreddi Score looks at more than just credit history. We assess your complete financial position including assets, income, cash flow, and borrowing capacity. Many customers with poor credit scores still achieve good Kreddi Scores and get approved through our specialist lenders who focus on your current situation.

Start with your Kreddi Score

From score to settlement

Check your Kreddi Score

Review your score and recommendations

We match you with the right lenders

Get approved and save

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