Clear information about credit, before you sign anything.

Who we are

Kredua is a free content site about credit cards, personal loans and everyday money. In the Canadian edition we review products from banks, credit unions and fintechs that operate in the country, explain the conditions they publish (annual fee, interest rate, rewards, income and credit requirements) and send you to each institution’s official website so that you make the application yourself, directly and with the full picture. We publish in English and, for Quebec, in French. We are not a bank, a credit union or a lender: we do not issue cards and we do not grant loans.

What we do

We read the disclosure box, the cardholder agreement and the fee table that every Canadian institution is required to publish, and we translate them into plain language. Each review says what the product offers, what it costs under each way of using it and which profile it suits, with an honest opinion from the editorial team. When a figure is not public, we say so; when it changes, we update the page and show the date.

We also publish guides written for Canada: how Equifax and TransUnion score you, whether to fund a TFSA or an RRSP first, what a payday loan really costs, how a newcomer gets a first card. And we offer free quizzes that, in four questions, point you toward the type of product that best fits your situation.

How we make money

Reading Kredua is free and will stay free. We do not charge a subscription, we do not charge for the quizzes and we will never ask you for a payment or a deposit for any reason.

To keep the site running we display advertising and, in some cases, we may receive a commission from an institution or an affiliate network when you apply for a product through one of our links. That commission does not change what you pay or what we write: the analysis and the opinion are the same whether or not a commercial agreement exists, and we always tell you that the link leads to the institution’s official site. Approval, the rate and the limit are decided by the institution alone.

Who operates Kredua

Kredua is a brand of RR Digital (CNPJ ), a company based in Brazil that publishes this site in Portuguese, Spanish, English and French. The Canadian edition is written by the Kredua editorial team, with every text reviewed before publication and a visible last-updated date. Our privacy practices follow PIPEDA and, for Quebec residents, the Act respecting the protection of personal information in the private sector (Law 25). If you spot an error or an outdated figure, write to us: we correct it and we are grateful.