What's Your
Kreddi Score?
Find out where you rank against thousands of Australians. Get a free personalised financial health check in minutes.
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Get My Free ScoreWhat We Finance
From cars to equipment to property, we connect you with the right lender for any finance need.
Your Financial Power Score
More than a credit check. A complete picture of your financial position.
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How It Works
Your journey to financial mastery starts here. Four simple steps to unlock your Kreddi Score and level up your finances.
Create Your Profile
Sign up in 30 seconds. Just your name, email, and a password.
Complete Your Fact Find
Securely connect your finances through our banking-grade portal. We analyse income, debts, assets, and spending.
Get Your Kreddi Score
Our AI analyses your financial position across 5 categories and generates your personalised Kreddi Score out of 1,000.
Level Up
Get personalised recommendations to boost your score. Refinance, consolidate, or unlock new borrowing power — each action earns you points.
Ready to See Where You Rank?
Join thousands of Australians who've checked their Kreddi Score. It's free, takes 5 minutes, and gives you a personalised roadmap to better finance.
Frequently Asked Questions
Everything you need to know about getting financed with Kreddi
Kreddi is an Australian finance brokerage that compares 60+ lenders to find you the best rate and terms for car loans, equipment finance, home loans, and more. Simply submit your application online, and our expert brokers will search across our entire lender panel to secure you competitive financing. Best of all, our service is completely free - we're paid by the lenders, not you.
Kreddi charges $0 in broker fees to customers. We're paid a commission by the lenders when we successfully arrange your finance, which means you get expert advice and access to 60+ lenders without any cost to you. There are no hidden fees, upfront costs, or application charges.
The approval timeline varies depending on the lender and complexity of your application, but many of our customers receive conditional approval within 24-48 hours. In some cases, same-day approval is possible. Once you submit your application, we work quickly to compare offers and present you with the best options.
Yes! Kreddi works with specialist lenders who cater to customers with less-than-perfect credit histories. While bad credit may affect your interest rate and loan terms, we have access to lenders who focus on your current financial situation rather than just your credit score. We'll work to find you an approval even if you've been declined elsewhere.
Kreddi arranges finance for car loans (new, used, electric, bad credit), equipment finance (chattel mortgage, hire purchase), home loans (first home buyer, refinancing, investment), personal loans, business loans, and asset finance (trucks, boats, caravans, motorcycles). If it can be financed, we can help.
Yes, Kreddi holds an Australian Credit Licence (ACL XXXXXX) and operates under the regulations set by the Australian Securities and Investments Commission (ASIC). We're required to act in your best interests and maintain strict professional standards. Your privacy and data security are protected under Australian privacy laws.
No! The entire application process can be completed online from anywhere in Australia. Simply fill out our 2-minute application form, upload any required documents, and our team will handle the rest. If you prefer to speak with someone, you can always call us for personalised assistance.
Typical documents include proof of identity (driver's licence, passport), proof of income (recent payslips, tax returns for self-employed), bank statements (last 3 months), and details of the asset you're financing (if applicable). The exact requirements vary by lender and loan type - we'll guide you through what's needed for your specific situation.