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Kredity.at review

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

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Our verdict

Kredity.at suits adults in Austria with regular income who want a broker to place a loan with a bank and a soft prequalification before they commit. Terms run 12 to 240 and amounts run €1,000 to €225,000, so a home improvement plan and a car purchase both fit.

Key facts

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

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInmaps.app.goo.gl

Pros and cons

Pros

  • Credit checking runs as a soft prequal style, so you learn roughly where you stand before a full application.
  • Terms run 12 to 240 and amounts run €1,000 to €225,000, wide enough for a home improvement job or a car purchase.
  • Funding is partly within a short window, once a review comes back positive and your documents are complete.

Cons

  • Kredity.at is a broker, rather than the lender itself, so the rate you are finally offered comes from the bank that takes the case.
  • Arrangement costs are free up front, and a success commission may be agreed if your financing wish is implemented.
  • The rate type is variable, so payments can move if the underlying rate changes over the term.
Kredity.at

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults living in Austria with regular income who want to know where they stand before applying in full.
  • People with a thinner credit file, since the credit needed is poor, and households funding home improvement.

Who should look elsewhere

  • Cashspace, if you are in the Philippines, because PHP 12 to PHP 36 is quoted in Philippine pesos rather than euros.
  • Sofkredit, if the rate you are quoted lands above 9.1%.
  • Creduma ES, if from €12,000 fits your project better than Kredity's €1,000 to €225,000.

Safety of your money

Kredity.at is a broker, so it places your request with a bank rather than lending the money itself. The representative example shows a nominal variable rate that many customers receive, with 9.1% as the effective rate. It is listed in the Austrian Gewerbeinformationssystem (GISA) for commercial investment advisory and credit broking, licence 37495107.

Who runs it

Kredity.at is run by Omid Kafaji, trading as Kredity (sole proprietorship) and is based in Austria. Trading began in 2014, and support runs on email and phone for anyone who would rather talk than type. The credit broking licence is registered in the Austrian Gewerbeinformationssystem (GISA) under 37495107.

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 will a Kredity.at loan cost me?+

The effective rate shown is 9.1%, and the representative example says many customers receive a nominal variable rate at that effective level. The rate type is variable, so your payments can move if the underlying rate changes over the term.

Is there an arrangement fee?+

Arrangement costs are free up front, so applying on its own costs nothing. A success commission may be agreed if your financing wish is implemented, and because Kredity.at is a broker, the final rate comes from the bank that takes the case.

How much can I borrow, and for how long?+

Amounts run €1,000 to €225,000 and terms run 12 to 240, wide enough for a home improvement budget or a longer car purchase. The loan types cover personal, debt consolidation and car, so the same route works for a debt consolidation loan.

How quickly would I get the money?+

Funding is partly within a short window, but only after a positive review and complete documents. The listed features include same day funding and credit line, so a credit line and fast payout are both part of what the site puts forward.

What credit check will I go through?+

The check is a soft prequal style, and the credit needed here is poor, so a thinner credit file still counts. You must live in Austria with regular income, and the credit check asks for your age as a required field.

Is Kredity.at regulated?+

Kredity.at works as a broker, so it passes your request to a bank rather than lending the money itself. It is registered in the Austrian Gewerbeinformationssystem (GISA) for commercial investment advisory and credit broking under licence 37495107.

How do I reach Kredity.at?+

Support runs on email and phone, so a phone call or an email reaches the team directly. The business behind the brand is Omid Kafaji, trading as Kredity (sole proprietorship), based in Austria, and has traded since 2014.

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

A soft credit prequalification in Austria with free upfront arrangement costs.

8.9/10See alternatives