Loan Application and Approval Policy

By submitting a loan request through Kredelity , you authorize us to evaluate your eligibility based on the information provided, including employment status, income proof, and bank verification. Applications are processed promptly and transparently — you’ll receive clear communication on approval status, required steps, and estimated timelines. The requested loan amount and approval decision may vary based on risk assessments and internal policy.

Interest Rate and Fee Policy

Kredelity applies interest rates based on the loan type, applicant profile, and prevailing market conditions. All applicable fees — such as processing charges, administrative fees, and early or late payment penalties — are clearly disclosed during application and before final agreement. We are committed to providing real examples and total cost breakdowns to help you make informed financial decisions.

Repayment and Default Policy

Loan repayments are to be made in line with the agreed schedule. Flexible repayment methods are supported, including bank transfer, debit mandates, or manual payments. In the event of missed payments, we will notify you and attempt to reach you via phone, SMS, or WhatsApp. Late repayment may incur additional charges or negatively impact your credit eligibility. Persistent default may result in legal action or third-party recovery engagement.

Consent and Communication Policy

By applying for a loan, you consent to be contacted by Kredelity and its partners via phone, SMS, WhatsApp, or email for the purposes of application processing, repayment reminders, and service updates. You agree to provide accurate information and understand that incomplete or misleading information may affect loan approval or result in legal liability.

Privacy and Data Security Policy

Kredelity takes your data seriously. We store your information securely, using encryption and regular audits to ensure protection. Data is collected for loan processing and service improvement purposes and will not be shared without your consent. We comply with international data protection laws, including the GDPR and CCPA. You may access, update, or request deletion of your personal information at any time.

Customer Service and Dispute Resolution Policy

Our support team is available to assist with inquiries, application help, and issue resolution. If you have a complaint or dispute, we have a clear resolution process in place, with timelines for investigation and response. You can reach us via phone, email, or WhatsApp, and we aim to resolve all concerns promptly and professionally.