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info@kredelity.com -
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Gable House 239 Regents Park Road, Finchley, London, N3 3LF
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+13127582531
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Turn Your Goals Into Reality with Flexible, Hassle-Free Loans
Get StartedAbout Kredelity
Empowering Financial Freedom and Trusted Solutions
We are committed to helping you achieve your financial goals and dreams. Our loan services are built to give you the support and resources you need to take control of your finances and move confidently toward prosperity. Our experienced team of financial experts is focused on understanding your unique needs and finding the loan solutions that align perfectly with your goals. Whether you’re starting a new business, consolidating debt, buying a home, or handling unexpected expenses — we’re here for you.
About Us
Built for real people and real needs — no complexity, no surprises.
Key Features of Our Loan Services
We believe in transparency, and that's why we offer competitive interest rates and flexible repayment options. Our user-friendly loan management platform makes it easy for you to monitor your loan status, make payments, and stay on top of your financial journey.
- Flexible Repayment: Customize your loan with easy payment plans.
- Low-Interest Rates: Enjoy competitive rates for affordable borrowing.
- Quick Approval Process: Get funds swiftly with fast approvals.
- No Hidden Fees: Transparent loan terms, no surprises or extras.
- Loan Assistance: Our team is here to guide and support you.
24/7 Support
Our dedicated team is always available to assist you whenever you need help.
Low Cost
Enjoy competitive interest rates designed to make borrowing affordable for everyone.
Pick a Loan Plan That Works Best for You
Get the Money You Need, When You Need It
Business Loan
Growth Capital For Verifid Businesses10%
Interest Rate- Take Minimum $500,000.00 USD
- Take Maximum $5,000,000.00 USD
- Per Installment 10%
- Installment Interval 60 Days
- Total Installment 11
Personal Loan
Quick Cash for Everyday Needs10%
Interest Rate- Take Minimum $100,000.00 USD
- Take Maximum $1,000,000.00 USD
- Per Installment 10%
- Installment Interval 30 Days
- Total Installment 11
110+
Country Wide
1K+
Happy Client
195
Winning Awards
$8M+
Total Loan
FAQ
Frequently Asked Questions
Find quick answers to common questions about our services, support, and what you can expect with Kredelity .
At Kredelity , we eliminate traditional roadblocks like collateral, long wait times, and complex paperwork. Our process is transparent, human-verified, and blockchain-secured, giving you fast, fair access to funding—no gatekeeping, no hidden surprises.
No. We believe in total transparency. All fees are disclosed upfront during the application process. There are no hidden charges—what you see is what you pay, with every repayment tracked via smart contract.
Blog Post
Our Latest Blog
03
Aug
Helped by a Loan: Finding the Perfect Summer Internship
Gaining work experience during the summer can be a game-changer for students and recent graduates. A summer internship not only boosts your resume but also helps you discover your career path. Here’s how taking a loan helped one student land the perfect internship opportunity: 1. Using online platforms With the help of a loan to cover living expenses, the student was able to focus on searching internship opportunities through platforms like LinkedIn and CyHire without the stress of working part-time jobs. 2. Attending networking events They used part of the loan to travel to career fairs and networking events where they met recruiters and secured interviews that led to offers. 3. Reaching out to companies The freedom that came with financial support allowed them to send out applications and connect with companies they admired, even when positions weren’t advertised. 4. Making the internship work Though the internship was unpaid, the loan helped cover transport and daily needs, making it possible to gain experience that eventually led to a full-time job.
03
Aug
Agri-loan, key to farming success
Starting today's article with statistics provided by the Bangladesh Bank.According to IFPRI, 19 percent of farmers take loans from relatives. 15 percent from the landowner, 11.4 percent come from moneylenders and 3.6 percent from various associations and cooperatives. Farmers get the largest share of the loan from the Krishi Bank, which is about 15 percent. Large, medium and small farmers together get 36 percent of the total loan while marginal farmers get about 5 percent. The total percentage of loan all the farmers get is 36 percent. Sharecroppers, the farmers who cultivate other people's land on lease, do not get this loan. As a result, they have to rely on loans from other sources, including NGOs.Small NGOs and associations began to form in the districts and upazilas from the 80s to the early 90s of the last century. Along with other developmental activities, these institutions started a micro-credit programme. Institutions thrive mainly on interest earned from loans. But there is no such change in the farmer I have witnessed. The farmer falls into a debt trap and sometimes carry the burden of prolonged loans that they take from NGOs and local moneylenders. Farmer Rafiqul Islam from Natore, at one of the open-air discussion among farmers and policymakers, popularly known as 'Krishi Budget Krishoker Budget' (Farmers' Voices in Budget, aired on Channel i), said he has never seen any political person become poor while doing politics, but the farmers are not well off doing their profession, which is farming. "We don't have capital, no one thinks about our market, no one talks about us," Rafiqul angrily said. Such anger doesn't only come from Rafiqul, but almost every farmer bears the same agony. Most importantly, the moneylenders expanded their business by capitalizing on the poor state of the farmers and they never want them to get out of this vicious circle of borrowing money from the locally-rich and powerful people.
03
Aug
Dealing with Delinquent Business Loans: Protecting Your Finances and Credit
Closing on a business loan often brings a sense of relief and excitement as you secure the funds to grow your business. However, it’s not uncommon to find yourself overwhelmed after a few months or years, realizing that you’ve taken on more than you can handle. With over one-third of Americans struggling with delinquent debt and the risk of loan defaults, taking immediate action is crucial when you fall behind on loan payments. This article provides essential information on delinquent loans, defaults, and practical strategies to protect yourself and minimize the associated damage.Understanding Delinquent LoansA loan becomes delinquent when you miss a payment, even in just one day. If you miss payments or cannot make them for an extended period (typically 90 to 120 days), the lender may classify the loan as default and initiate collection procedures. Both delinquent loans and defaults have negative implications for your credit. It’s important to note that the timing of your delinquency rarely matters. For example, if your payment is due on February 1 and the lender doesn’t receive it that day, the loan becomes delinquent on February 2.Consequences of Delinquent LoansThe consequences of a delinquent loan depend on your lender’s policies and the terms outlined in the loan agreement. However, there are three typical outcomes:Penalty Rates & Late Fees: Loan agreements often permit lenders to charge late fees after a few days grace period. Some agreements also permit the lender to increase the interest rate on overdue amounts, known as a “penalty rate” or “default rate.” Late fee structures vary among lenders, so it’s essential to understand their specific policies to avoid surprises.Negative Impact on Credit Score: Once you are 30 days late on payments, lenders can report the late payment to credit bureaus. Beyond this period, a late payment can decrease your credit score by nearly 100 points. In addition, poor credit score makes qualifying for future business loans more challenging. Late payments can remain on your credit report for up to seven years, even if you pay the lender after the item is reported.It’s worth noting that this 30-day rule does not apply to business credit reports, as lenders can report late payments to commercial credit bureaus even if you are just one day late.Increased Contact from LendersWhen you have a delinquent loan, expect frequent calls and emails from your lender urging you to make payments. Lenders prioritize collection efforts while the deadline is fresh in your mind. As delinquency continues, it becomes more challenging for lenders to collect the debt.Delinquent Loans vs. Defaulted LoansA loan transitions from delinquency to default when you have an outstanding balance for an extended period specified in the loan agreement. Typically, lenders wait 90 to 120 days before considering a loan as default.How to Identify Defaulted LoansWhen a loan goes into default, the lender will send you a written notice stating that you have breached the loan agreement and must immediately repay the entire loan balance. The lender might also sell or transfer the debt to a collection agency, escalating collection efforts to recover the outstanding balance. If the lender believes they won’t recover the money, they can charge off the loan, removing it from their books. However, you remain responsible for paying the debt.Actions After DefaultThe lender’s subsequent actions depend on whether the loan is secured or unsecured. Secured loans have collateral or personal guarantees backing them, while unsecured loans do not.
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