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Colendi review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Colendi suits anyone who needs a small personal loan arranged fast and would rather skip a credit check. It is a marketplace, so offers come from several lenders, and applying costs 0 - no application fee with credit decisioning in Credit in less than 30 seconds.

Key facts

Best for
A small personal loan you need arranged and funded quickly, with no credit check.
Term
1 month↗
Arrangement fee
0 - no application fee↗
Credit check
None↗
Funding time
Credit in less than 30 seconds↗
Lender type
Marketplace↗
Loan types
Personal, BNPL, Business↗
Support channels
Email↗
Features
Same-day funding
Official website
colendi.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Application fee of 0 - no application fee on personal loans
  • No credit check, so a thin credit file does not rule you out
  • same day funding, with Credit in less than 30 seconds
  • A marketplace, so personal, bnpl and business are all available through one application

Cons

  • Support runs on email only
  • Repayment terms of 1 suit short borrowing, not longer loans
  • As a marketplace, the lender you deal with is chosen for you rather than by you
Colendi

Ready to try Colendi?

Scored 8.1 / 10 by SumCue.

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Who it suits

  • Adults needing a small personal loan for an everyday expense
  • Borrowers with limited credit history who want to avoid a credit check
  • People who want money in hand the same day

Who should look elsewhere

  • Anyone wanting a long fixed repayment term, since terms run 1
  • Borrowers who want to speak to a person on the phone, as support is email only
  • Shoppers wanting to pick a named lender up front rather than accept a marketplace match

How Colendi compares

Frequently asked questions

Does Colendi charge a fee to apply?+

There is no upfront charge on a personal loan, and the origination fee is listed as 0 - no application fee. Borrowing costs come from the lender that funds the loan, not from an arrangement fee paid upfront. You can compare the offer against other lenders before you accept it.

Will Colendi check my credit?+

No. The credit check is listed as none, so applying does not add a hard search to your file. That makes Colendi reachable for borrowers with a thin or damaged credit history. Approval still depends on the lender that funds the loan, which sets its own criteria.

How long does it take to get the money?+

Same day funding is listed as a feature, and the stated timing is Credit in less than 30 seconds. That speed suits an urgent expense such as a repair bill. Approval speed and payout speed are separate things, so a slow response from a lender can still delay things.

What size loan does Colendi offer?+

Colendi covers personal, bnpl and business. The term is listed as 1, so this is arranged as a short personal loan rather than a long personal loan. If you need to spread a cost over a longer period, that is the main limitation here.

Does Colendi lend to me or to lenders?+

Colendi is a marketplace, so it matches your application to a lender rather than lending to you directly. That structure widens the offers you can be given. The trade-off is that you do not choose the lender yourself, so terms can differ between borrowers.

How do I get help from Colendi?+

Support is listed as email, so email is the route for questions. Email suits application queries and account records rather than urgent same day funding questions. Keep your application reference handy so the reply can be tied to the right case.

Sources

  • colendi.com checked September 26, 2026

    Backs: Term

    “Interest free micro credits for daily needs; options of paying 30 days later or in installments.”

  • colendi.com/business checked September 26, 2026

    Backs: Loan types

    “Colendi offers short-term, interest free loans with Buy Now Pay Later, delay, defer, and installment options.”

  • colendi.com/company checked September 26, 2026

    Backs: Lender type, Support channels

    “Colendi brings together the authorized and licensed financial institutions (such as payment institutions and e-money institutions, banks, financing companies, investment firms, crypto exchanges,...”

  • colendi.com/personal checked September 26, 2026

    Backs: Credit check, Features, Funding time, Arrangement fee

    “No bank account, no credit history.”

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

Not confirmed yet: APR, Loan amount, Representative example.

Colendi

Colendi

A small personal loan you need arranged and funded quickly, with no credit check.

8.1/10See alternatives