01
Choose an amount and term
Use the calculator to explore a repayment schedule that matches your needs and monthly budget.
How it works
A clear path from estimate to repayment
Credofy breaks the process into simple steps, gives you time to review the details, and keeps the key numbers visible throughout.
Step by step
What to expect
You stay in control from the first estimate through the final decision.
02
Share your details securely
Complete the application with your contact, employment, income, and banking information.
03
Identity and income review
Information may be verified to confirm eligibility and support a responsible lending decision.
04
Review your personalized offer
See the APR, fees, monthly payment, term, and total repayment before accepting anything.
05
Accept electronically
Read and sign your agreement online if the offer works for you. You are free to decline.
06
Receive and manage funds
Approved funds are sent to your bank, and account tools help you track upcoming payments.
Prepare before applying
Have a few basics ready
Providing accurate information helps the review move smoothly.
Personal identification
Legal name, date of birth, home address, and contact details.
Income information
Employment or other verifiable income details and payment frequency.
Active checking account
An account in your name that can receive funds and make payments.
Questions
Process FAQs
How long does the application take?
Most people can complete the online form in several minutes when their information is ready. Verification time can vary.
Am I required to accept an offer?
No. Review the complete terms and accept only if the loan is appropriate for your needs and budget.
Why might more documents be requested?
Additional information may be needed to verify identity, income, residence, or bank account ownership.
Start with a simple estimate
Explore your payment before completing the application.