Frequently asked questions

Kreditex is a direct financier. We provide financing to individuals and businesses ourselves; we are not a comparison website or a referral service. Availability depends on your state.

Individuals who are at least 18 years old (or the age of majority where they live) and businesses registered in a U.S. state, who live or operate in a state where the product is available. Each product page lists its requirements.

Lending is regulated state by state. We only open a product in a state after our compliance team has confirmed that we are legally authorized to offer it there. If a product is not available for your state yet, you cannot apply for it.

Create an account, choose a financing option and complete the steps. You can save a draft at any time and continue later. After you submit, you receive a reference number in the format KDX-YYYY-NNNNNN.

It depends on the product. Typical documents are a government-issued photo ID, recent pay stubs or bank statements, and for businesses formation documents and tax returns. The application lists exactly what is required. Files can be PDF, JPG or PNG up to 8 MB.

With your written authorization given when you submit, we may obtain consumer or business credit reports where permitted by law. Requests can affect your credit. If a report is used in a decision against you, we tell you which agency provided it and explain your rights.

Only when we have a legal reason to, for example to verify identity or obtain a credit report you authorized. These numbers are stored encrypted, are masked in our systems, and can be viewed by authorized staff only, with each view logged.

It depends on the product and on how quickly you provide the requested information. You can follow the status in your portal and by email. If we cannot approve your application, we notify you in writing with the principal reasons within the time the law allows.

Submitting an application is free. Any fee, if one applies, is requested only after your application has been submitted, is shown clearly, and never guarantees approval. Paying a fee does not change the decision.

It is a separate, optional program that may allow certain additional review items to be waived. Legal checks such as identity verification and sanctions screening can never be waived. It does not guarantee approval. This program may not be available.

Rates and fees depend on the product, the amount, the term, your state and your application. Any offer discloses the finance charge, the annual percentage rate (APR) where required, the payment schedule and the total of payments before you accept.

Documents are encrypted at rest, our systems are protected by access controls and activity logging, and sensitive numbers are encrypted. See our Privacy Notice for details about what we collect and how we use and share it.

Yes. In your profile you can download your data and submit a deletion request. We may need to keep certain records for legal and regulatory reasons, and some states give additional rights; see the Privacy Notice.

No. We do not sell personal information and we do not share it with third parties for their own marketing.