What is CreditRefPro?
CreditRefPro is a credit-scoring and income-backed lending platform connecting borrowers, lenders, and employers through verified financial profiles, competing loan offers, and repayment records.
Frequently Asked Questions
The questions people actually ask.
Short answers. Every question has its own link, so a single answer can be sent on its own.
What is the CreditRefPro Score?
The CreditRefPro Score is a universal score based on documented income, obligations, assets, repayment history, income stability, data completeness, and verification strength.
Can I see what affects my score?
Yes. CreditRefPro shows the principal positive and negative factors affecting the score.
Does a CreditRefPro Score guarantee a loan?
No. Participating lenders independently decide whether to submit an offer and what terms to provide.
Can I use CreditRefPro without a salary?
Yes. CreditRefPro supports rental, business, pension, interest, dividend, investment, and other recurring income.
Can I choose how much I want to borrow?
Yes. You can state the amount requested, preferred repayment period, maximum interest rate, and preferred repayment method.
Can multiple lenders make offers?
Yes. Eligible participating lenders can independently review your authorized request and submit competing offers.
Do I have to accept the lowest-rate offer?
No. You may select any offer you prefer or decline all offers.
Does CreditRefPro make the loan?
No. The selected lender provides the loan and sends the funds directly to the borrower.
Can an individual offer a loan?
Yes. Individual and organizational lenders may participate when eligible under the applicable program requirements.
Is every loan repaid through payroll?
No. Payroll deduction is available to eligible wage earners through participating employers. Other borrowers use repayment methods offered by the lender.
Does CreditRefPro hold money?
No. CreditRefPro records the transaction. Loan funds and repayments move directly through the lender, employer, bank, payroll provider, or approved payment provider.
Does payroll deduction guarantee repayment?
No. Payroll deduction strengthens repayment administration, but employment, earnings, and payroll circumstances can change.
How is rental income reviewed?
Borrowers provide leases, payment histories, ownership information, bank records, and other evidence. Lenders decide how to account for vacancies, expenses, taxes, mortgages, and other property costs.
How is business income reviewed?
Borrowers may provide financial statements, bank statements, tax records, invoices, contracts, and payment histories. Each lender decides what information it requires.
Can I dispute incorrect information?
Yes. Borrowers can identify disputed information and follow the review and correction process.
Ready when you are.
Create an account to see what you can afford, or sign in to pick up where you left off.