Start with your Kreddi Score

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.

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.

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.

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.

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.