We at Kreditech provide micro loans and micro credits through our subsidiaries Kredito24 and Zaimo. Our subsidiaries in Poland, Spain, Czech Republic and Russia operate like a microfinance bank offering short term micro loans / credits.

Customers can apply for micro loans / credits trough one of our subsidiaries. There is no unnecessary paperwork to do, documents to fax or annoying hold music, since we provide our services 100% online. Using our sliders to decide exactly how much money the customer wants to borrow and for how long they want to take the micro loans / credits.

We are always transparent about the full cost of repayment and once our customers have chosen how much they want to lend, they just click to apply. We’ll then ask for some personal details and banking information and run our fully automatized scoring technology to check their credit worthiness like any other microfinance bank would do.

We usually provide our decision in a few seconds and if the application is approved, we send the cash to the bank account within 15 minutes. That makes us the fastest 24/7 microfinance bank/lender in each of the countries we operate in. Our customers are always free to make an early repayment of micro loans / credits with no hidden fees. There are no catches or hidden extra costs. We operate as a responsible microfinance bank and provide micro loans / credits only to people we are sure can pay back and won’t fall into a debt trap.