Frequently asked questions
General
What is Kredit za Sekogo?
A free platform that matches you with a licensed lender in North Macedonia. We're not a lender or bank ourselves.
Is it really free?
Yes. We're paid by partners through referral fees, never by visitors. See Licenses & Disclosures.
Does applying affect my credit score?
No. Browsing and submitting a request never involves a credit check. A partner may run one once you apply directly with them.
Loans
Why is the APR shown as "representative"?
Your actual rate depends on the amount, term and your individual assessment. The representative APR is what a typical qualifying applicant could expect, not a guaranteed price.
What if I can't repay on time?
Contact your lender directly as soon as possible — most have a hardship or rescheduling process. Missing payments affects your credit history and can add late fees.
Still have a question? Contact us.