Making finance simple, transparent, and accessible for all Australians.
Kreddi was founded by Amir Nik, an experienced finance broker who witnessed firsthand how many Australians were overpaying on loans simply because they didn't understand their borrowing position.
After years of working with clients who were shocked to discover they were paying thousands more than necessary, Amir realised the problem wasn't just about finding better rates — it was about giving people clarity on where they stood financially before they even applied.
That insight led to the creation of Kreddi Score, a tool that empowers Australians to understand their complete financial picture, see exactly how lenders view them, and receive personalised recommendations to improve their borrowing power.
Today, Kreddi combines cutting-edge technology with expert human guidance to help hundreds of Australians secure better finance outcomes. We've settled over $10 million in loans and we're just getting started.
We're not your typical finance broker. Here's what makes us different.
Most brokers work with 10-20 lenders. We work with over 60. More lenders means more options, better rates, and higher approval chances — especially if you've been knocked back elsewhere.
You don't pay us. The lenders do. That means you get expert advice, personal service, and access to our entire panel without a single dollar coming out of your pocket.
We are a Corporate Authorised Representative operating under Australian Credit Licence 384704. Your data is protected, your interests come first, and we're accountable to the highest industry standards.
Get a clear picture of your borrowing position with your Kreddi Score out of 1,000. Understand exactly where you stand and receive personalised recommendations to improve your financial health.
Corporate Authorised Representative: NIK Finance Pty Ltd is a Corporate Authorised Representative authorised under Australian Credit Licence 384704 to engage in credit activities in Australia.
We operate under the National Consumer Credit Protection Act 2009 and are regulated by the Australian Securities and Investments Commission (ASIC).
As a licensed credit representative, we're committed to responsible lending practices, transparency, and putting our clients' interests first.
Amir is a licensed finance broker with a passion for helping Australians understand and improve their financial position. With years of experience in the finance industry, he founded Kreddi to bridge the gap between complex lending criteria and everyday borrowers.
His approach combines data-driven insights with personalised service, ensuring every client gets the clarity and support they need to make confident financial decisions.
Join hundreds of Australians who've found better rates and faster approvals with Kreddi.