Skip to content
Creditonline logo
Book a demo

One platform for every stage of lending.

Loan management and origination platform used by banks, fintechs and brokers across 19 countries. Configure new credit products, automate approvals and servicing, and plug into the systems you already use.

Book a free demo Explore the platform

Zentra · In development

Your next move is already in your data. You just can't see it yet.

Zentra is a decision layer on top of CreditOnline, in development now. Early access is open to lenders who want a say in what it decides first.

Read about Zentra

The infrastructure powering modern lenders.

19
Countries actively running CreditOnline in production
190 +
Lending products launched worldwide since 2007
19
Years building lending software, since 2007

Why CreditOnline

A platform engineered around how lending actually works.

Four product principles that make CreditOnline the choice for teams who need to stay compliant and grow without switching systems. The defaults are sensible, the boundaries are clear and every layer is yours to customise.

Configurable, not fixed

Configurable scoring rules, custom borrower journeys and optional modules - turn on what you need, leave out the rest.

Configure your build

Automated end-to-end

Auto-approve applications, trigger SMS or email at every status change, and let collections run on rules - not on operators.

See the playbooks

Secure by certification

GDPR compliant, ISO 27001 and ISO 9001 accredited, hosted on Microsoft Azure with controlled access at every layer.

Read the security brief

A partnership, not a licence

Every customer gets a dedicated relationship manager and full staff training. You're live faster because you're never figuring it out alone.

Meet the team

Lending products

One platform, every flavour of credit.

Twelve lending types across three categories - configure a new lending product, connect it to the systems you already use, and launch.

Digital lending

Buy now, pay later

Configurable instalment plans with merchant onboarding, scoring at checkout and automated settlement.

3-pay · 6-pay · 12-pay
Core API
Originate a loan
POST /api/loans
{
  "amount": 4500.00,
  "currency": "EUR",
  "term_months": 24,
  "product": "instalment",
  "borrower_id": "br_8c4a..."
}
Consumer
Payday loans
Short-term credit with same-day disbursement.
Consumer
Instalment loans
Amortised loans with custom repayment schedules.
SME
Line of credit
Revolving facilities with dynamic credit limits.
Marketplace
Peer-to-peer
Investor matching with auto-invest and a secondary market.
Asset
Leasing
Equipment and vehicle leasing with residuals.
Capital
Crowdfunding
Donation, debt and equity campaigns, one platform.

Modules

Six modules. One coherent system.

Each module covers a distinct part of the loan lifecycle. Control who can access what, turn features on for specific teams, and add modules as you grow.

How it works

A platform you can answer hard questions with.

CreditOnline isn't a closed system - it's a platform with an open API, integrations across credit bureaus, payment gateways and KYC providers, and a modular core that grows with your business.

How secure is my data?

Creditonline is ISO 27001 and ISO 9001 certified, and built to operate under GDPR. Data is encrypted in transit and at rest, with role-based access control governing who can see what. Every action against a borrower record is logged and auditable.

Do you support our growth?

Every module is configurable, and new ones can be switched on as you grow. As your team adds products, geographies or distribution channels, your Creditonline relationship manager guides each rollout - including modules you didn't license at the start.

What about technical support?

Three tiered support packages, with named engineers on the higher tiers and SLA-backed response times. Your team is never debugging alone.

What if our setup doesn't match your standard integrations?

Beyond our standard integrations - credit bureaus, payment systems, KYC tools, open banking providers, and more - our team builds custom connectors for client-specific systems unique to your market.

Recognised industry-wide

  • Digital Innovation of the Year Leasing Life Awards
  • CCTA Finalist 2020 · 2024 · 2025
  • Featured SourceForge
  • Featured Banking CIO Outlook
  • ISO 27001 & 9001 GDPR compliant

Ready to talk to our team?

Book a free, no-obligation demo. Our team will scope your needs, sign an NDA and come back with a project timeline and estimate.

Book a free demo Talk to sales
  1. STEP 01
    A sales engineer reviews your requirements in detail.
  2. STEP 02
    We sign an NDA and schedule your guided demo.
  3. STEP 03
    You get a project estimate and a working timeline.