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Credifi · For creditworthy borrowers
Small personal loans for good credit
Find small, short-term personal loans through Credifi, with fixed rates and no origination or prepayment fees. Borrow only what you need, within your approved credit limit.
Credifi matches borrowers with onchain lending vaults and services their loans. Credifi is not a lender.
Check your eligibilityChoose the amount you need
Borrowing starts at $100. Choose an amount within your approved available credit, rather than borrowing your full limit. The platform maximum is $20,000, but your own limit may be lower and depends on underwriting and available funding.
Your credit limit and your loan amount are different
Your available credit sets the ceiling for a loan. The amount you choose determines how much principal you must repay, plus interest. Compare the payment schedule and total repayment for that amount before accepting. A smaller amount still needs to meet your account minimum and the selected market’s requirements.
Credifi at a glance
- Loan amounts
- Borrowing starts at $100, up to your approved available credit, with a platform maximum of $20,000. Limits vary by underwriting and account; not every applicant qualifies for the maximum.
- APR range
- Advertised fixed APRs range from 10% to 15%. Your available rate depends on eligibility and the funding market. Review your personalized APR before accepting a loan.
- Available terms
- Available options include a 3-month interest-only loan and a 12-month installment loan. Options depend on your eligibility and available funding.
- Fees
- No origination fee. No prepayment fee or penalty.
- Eligibility
- Credifi requires a U.S. bank account and qualifying credit history. Credit verification uses a soft check. Approval, credit limits and available terms depend on verification and underwriting; good credit alone does not guarantee a loan.
- Geographic availability
- The bank and credit verification route supports U.S. bank accounts. Availability depends on your location, eligibility route and available funding markets. Check your available offers before borrowing, or contact info@credi.fi about availability in your state or country.
- Repayment flexibility
- For interest-only loans, pay interest monthly and repay the principal at the end of the 3-month term. For installment loans, repay principal and interest over 12 months. You can repay early without a prepayment penalty; review the exact payment dates and amounts in your loan agreement.
- Receiving funds
- Receive funds through a supported bank ACH transfer or crypto wallet. Available methods depend on your account and selected market.
Before you borrow
Review your personalized offer, APR, total repayment and payment schedule before accepting. Borrowing is subject to verification, approval and available funding. Late or missed payments may adversely affect your credit score.
Credifi matches eligible borrowers with onchain lending vaults, verifies eligibility, and services loans. Credifi is not a lender. Loans are funded by the vaults. Your agreement identifies the creditor by its funding vault contract address and blockchain.