About us
Clear answers about credit, before you sign anything.
Who we are
Kredua is an independent website that explains credit cards, personal loans and everyday money topics in plain English. We read the fine print, the fee schedules and the eligibility rules published by banks and lenders, and we turn them into short reviews and guides you can act on. We are not a bank, a lender or a broker. We do not issue cards, do not lend money and do not make credit decisions.
Every product page ends with a button to the issuer’s official website. That is where the application happens, on the company’s own terms and with its own security. Kredua never asks for your Social Security Number, bank login or card details.
How we make money
Reading Kredua is free and always will be. To keep the site running we display advertising, and some of the companies we review pay us a referral fee when you apply through a link on our pages. That compensation may influence which products we choose to cover and where they appear, but it does not change what we say about them: the fees, APRs and requirements come from the issuer’s own disclosures, and the drawbacks are listed next to the advantages.
Kredua is an independent, free information and comparison website. We are not a lender, a bank or a loan broker; we do not take applications, make credit decisions or charge you anything to use the site. Loan terms are set by each lender. The personal loans described on Kredua have repayment periods from a minimum of 12 months to a maximum of 60 months and annual percentage rates (APRs) from 3% to 36%, depending on the lender, your credit profile and the laws of your state. Representative example: a $10,000 personal loan repaid over 36 months at a 12% APR has 36 monthly payments of about $332.14 and a total cost of about $11,957, of which about $1,957 is interest. Kredua does not promote loans with repayment periods of 60 days or less. We may receive compensation from some of the companies whose products we describe; this never affects what we write.
How we review a product
We start from the official page and the cardholder or loan agreement, note the annual fee, the APR range, the origination or transfer fees, the credit profile the issuer says it targets and how the application works. We add a numerical example so you can see what the product costs in dollars, not just in percentages. Numbers are dated in the text and rechecked when the issuer updates them; if you spot something out of date, tell us and we will fix it.
Our commitment
No promises of approval, no “pre-approved” claims, no fake countdowns. We will tell you who a product is for, who it is not for and what it costs, and we will send you to the official site to decide for yourself.
Talk to us
Found an error, have a question or want to propose a partnership? We read every message.
Who operates Kredua
Kredua is operated by RR Digital, a company registered in Brazil (tax ID/CNPJ ), Rua Balbino Bento da Silva, 02, União dos Palmares/AL, 57800-000, Brazil. Email: [email protected]. Privacy requests: [email protected].