Kredity.at review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Kredity.at suits Austrian borrowers with regular income who want a broker to place personal, consolidation, car or business finance. The rate to weigh is 9.1%, below the site median of 12%, and there is no upfront cost, though a success commission can be agreed. Balances move on variable rates.

Key facts

Best for
Austrian adults with regular income who want a broker to place a loan with no upfront fee.
APR
9.1% (Source, checked September 26, 2026)
Loan amount
€1,000 to €225,000 (Source, checked September 26, 2026)
Term
12 to 240 months (Source, checked September 26, 2026)
Arrangement fee
No upfront costs (0 EUR); a success commission may be agreed if the financing wish is implemented (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Partly within 24 hours after positive review and complete documents (Source, checked September 26, 2026)
Representative example
50% of all customers receive a nominal rate of 8.6% variable, effective 9.1% (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Main residence in Austria with regular income; adult applicants (age is a required field in the credit check) (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Business (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Omid Kafaji, trading as Kredity (sole proprietorship) (Source, checked September 26, 2026)
Headquarters
Austria (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
kredity.at

Apps and profiles

Elsewhere
LinkedInmaps.app.goo.gl

Pros and cons

Pros

  • No upfront cost, with a success commission only if the financing is implemented
  • 9.1% sits below the site median of 12%
  • Soft prequalification credit check rather than a full search
  • Loan amounts of €1,000 to €225,000 and terms of 12 to 240

Cons

  • variable rates mean the balance and the rate you keep can move
  • A success commission may be added once the financing wish is implemented
Kredity.at

Ready to try Kredity.at?

Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Austrian residents with regular income wanting personal, debt consolidation, car or business finance placed by a broker
  • Borrowers whose credit history suits a soft prequalification route
  • Home improvement projects funded on a fixed rate basis

Who should look elsewhere

  • Monzo Flex, if you want a direct app based credit line rather than a broker placement
  • Cashspace ES, if the borrowing cost matters more to you than the loan itself
  • Applicants based outside Austria, because the broker works for a home address in Austria with an income there

Safety and regulation

Kredity.at is a broker, broker, so a lender holds the loan once a request is placed rather than Kredity itself. The representative example gives a nominal variable rate with 9.1% as the effective rate, which is the figure to weigh. The business is registered with the Austrian Gewerbeinformationssystem (GISA) for commercial investment advisory and credit broking, licence 37495107. No protection scheme is stated.

Who runs it

Kredity.at is run by Omid Kafaji, trading as Kredity (sole proprietorship), a sole proprietorship based in Austria, trading since 2014. Its registration for commercial investment advisory and credit broking sits with the Austrian Gewerbeinformationssystem (GISA), recorded as 37495107. Contact runs through email and phone, so questions go by email or phone rather than through an app.

How Kredity.at compares

Where Kredity.at is available

Available
Austria
Licence in Austria
Magistratisches Bezirksamt fuer den 3. Bezirk, Gewerbeinformationssystem Austria (GISA) - commercial investment advisory and credit broking (37495107), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to arrange a loan through Kredity.at?+

There is no upfront cost, so the arrangement fee is free. The representative example shows customers on a nominal variable rate, with 9.1% as the effective rate, which is the figure to compare. A success commission may be agreed separately if the financing wish is implemented, so ask for it in writing first.

Is Kredity.at a lender or a broker?+

It is a broker, broker, which means a lender sets the terms your application receives, such as 9.1% and 12 to 240. You apply once and the case is placed with a lender. Support runs on email and phone if you want the current offer in writing.

How is Kredity.at regulated?+

The business is registered for commercial investment advisory and credit broking with the Austrian Gewerbeinformationssystem (GISA), under licence 37495107. That registration covers the broking activity, and no protection scheme is stated for money placed with a lender.

How much can I borrow and for how long?+

Loan amounts run €1,000 to €225,000, covering everything from a small bridging sum to a larger renovation or vehicle purchase. Terms run 12 to 240, so a short repayment is possible as well as a long one. The rate type is variable, which means the balance can move over time.

What credit check do I need to pass?+

The credit check is a soft prequalification, soft prequal, rather than a full search at the first step, and the stated credit needed is poor. You need a home address in Austria and a regular income there, and the credit check also asks for your age, so a minimum age applies.

How quickly would money arrive?+

Funding is partly within the same day, after a positive review and once your documents are complete, and same day funding and credit line lists same day funding and a credit line among the features. Getting documents ready early is the part you can control, since the review and the paperwork both have to clear first.

What kinds of loan can Kredity.at place?+

The broker covers personal, debt consolidation and car, and home improvement names home improvement. That makes it usable for renovation, vehicle, business or consolidation needs through one application. The model is fixed rate, which suits borrowers who prefer predictable payments over a moving rate.

Sources

  • kredity.at checked September 26, 2026

    Backs: APR, Credit check, Credit needed, Funding time, Loan types, Arrangement fee, Rate type, Representative example, Use cases

    “Representative calculation example: 50% of all customers receive a nominal rate of 8.6% variable, effective 9.1%.”

  • kredity.at/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels, Licences

    “Address: Lechnerstrasse 1, 1030 Vienna, Austria; place of trade authorisation: Vienna”

  • kredity.at/kreditanbieter checked September 26, 2026

    Backs: Loan amount, Eligibility, Term

    “der faire Credit: private financing needs between 1,000 and 75,000 euros; WSK Bank: financing needs between 5,000 and 225,000 euros”

  • kredity.at/minikredit checked September 26, 2026

    Backs: Features, Founded, Pricing model

    “Cashper names up to five working days for a basic loan and one working day for the optional Super-Deal; cashpresso works with a flexible framework credit up to 7,000 euros according to the provider”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Kredity.at

Kredity.at

Austrian adults with regular income who want a broker to place a loan with no upfront fee.

8.8/10See alternatives

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