Understand your borrowing position and unlock better finance in three simple steps.
Connect your account in under 5 minutes. We securely analyse your income, expenses, assets, and liabilities to understand your complete financial picture. Your data is encrypted and never shared without your permission.
Receive your personalised Kreddi Score out of 1,000 instantly. We analyse 5 key categories to determine your borrowing strength and show you exactly where you stand compared to other Australians. Get your tier badge from Bronze to Diamond.
Get personalised recommendations to improve your score and borrowing power. Our expert brokers review your profile and provide tailored guidance on refinancing, debt consolidation, or new lending opportunities. Track your progress over time.
Your Kreddi Score is calculated from 5 key financial categories, each weighted by importance to lenders.
Credit score, defaults, repayment history
Debt-to-income ratio, interest rates, loan structure
Net assets, property, savings, investments
Income stability, surplus, spending patterns
Serviceability, LVR headroom, unused capacity
Your final score is a weighted combination of all 5 categories. The higher your score, the stronger your borrowing position and the better rates you can access.
Find out where you stand and unlock personalised recommendations to improve your borrowing power.