Standard
To get started simply
0€for life
No commitment, no card required
- checkLoans up to €250
- checkUp to 2 loans simultaneously
- checkCompliant contract & e-signature
- checkRepayment tracking
- checkReminder notifications
Start for free, then upgrade to Gold or Platinium when your loans grow. No commitment, no hidden fees.
Our plans
Whether you're helping out a friend with €50 or managing multiple larger loans, there's a plan made for you.
save up to 30%
To get started simply
No commitment, no card required
For those who lend often
Billed €49.90 yearly
The most complete experience
Billed €99.90 yearly
Spotlight
Some tools deserve more than a single line. Here's what truly transforms Kredy into a financial ally — and what you unlock when upgrading to Gold or Platinium.
01 / 05
A score attached to every borrower, computed from their repayment history and the trust they've built across previous loans. The more a relative honours their commitments, the higher their index climbs — you lend with eyes wide open, never blindly.
Decide in seconds, with no awkwardness.
02 / 05
On the agreed date, Kredy sends a courteous text message to the borrower on your behalf — no prompting required. The tone stays friendly, the timing is spot on, and the awkwardness of chasing a relative quietly disappears while Kredy does the work for you.
The nudge that always lands right.
Bonjour Lucas, petit rappel amical : la mensualité de 80 € est attendue ce vendredi. Belle journée !
03 / 05
Set an interest rate on any loan — freely, within the legal usury cap. Kredy works out the monthly instalments, embeds the interest into the contract, and turns a friendly favour into a properly formalized, fairly remunerated loan.
Your helping hand, cleverly remunerated.
04 / 05
When friendly reminders no longer cut it, trigger a formal demand letter in a single click. Drafted by our legal team, compliant with French civil law and enforceable in court, it opens the door to recovery without ever stepping into a lawyer's office.
The firm, lawful tone — without lawyer fees.
05 / 05
Beyond €5,000 lent to a relative, the French tax authority requires a yearly declaration via form n° 2062. Kredy generates it automatically, prefilled with your loans and accrued interest, ready to attach to your tax return.
Your tax obligation, on autopilot.
Comparison
Everything that distinguishes our plans, presented with the same precision as a ledger.
| Feature | Standard | Gold | Platinium |
|---|---|---|---|
| Maximum loan amount | €250 | €1,500 | €5,000 |
| Concurrent loans | 2 | Unlimited | Unlimited |
| Contract & e-signature | |||
| Repayment tracking | |||
| Trust index | — | ||
| Set interest rates on loans | — | — | |
| Formal demand letter | — | — | |
| Annual tax declaration | — | — | |
| Automatic SMS reminders | — | — |
Our commitment
At Kredy, financial transparency starts with pricing transparency. No commission on your loans, no concealed charges, no secret tiers. You pay for your plan — nothing else.
Common questions
Download Kredy and get started in minutes, with no hidden fees and no commitment.