Alternative Credit Intelligence

Your financial life
has always been visible.
Now it counts.

Credolay turns the financial behaviour you already have — rent, mobile money, airtime, utilities — into a score that unlocks real lending opportunity.

JM
AO
SK
LC
50,000+ people building credit · across 12 countries
LIVE SCORE
Jordan Mitchell · New York
● Rent verified
658
OUT OF 850
★ Very Good↑ +24 pts this month
Rent
90
Bank cashflow
85
Mobile wallet
78
BNPL repayment
77
Updated today · Next refresh in 3 days
50K+
People scored in private beta
$4.2T
Global credit gap for underserved borrowers
12
Countries served and growing
8+
Alternative data signals powering your score
Core Idea

Credit built on reality, not on paperwork.

The financial system was built for the formally employed. Credolay is built for everyone else — by listening to the data that already exists in your life, anywhere in the world.

8+
AI-powered signal model
Trained on real-world financial behaviour — mobile money cycles, rent consistency, remittance patterns, gig income flows. Built for everyone, calibrated locally.
● First-partyHighest weight
+62
Rent inside — not a bolt-on
Verified monthly rent becomes one of the highest-weight inputs. +62 pts contributed over 6 months — reliability that has always existed, finally counted.
Fully transparent scoring
You see exactly which signals help and which to improve. Every connected source shows weight, depth, and predictive power — no black boxes.
How it works

From invisible to loan-ready in under 10 minutes.

1
Verify it's you
One government ID check anchors your identity — secure, private, never sold.
60 secondsNo branch visit
2
Connect what you already use
Rent, mobile money, bank, BNPL, utilities, gig income. Pick what fits your life.
8+ sourcesOpen banking
3
Get your score
Our model reads 6 months of behaviour and gives you a 300–850 score with full transparency.
~2 min computeFully explained
4
Build it up
Pay on time, stay active. Watch the score climb and see exactly which actions move the needle.
Monthly refreshAction coach
5
Unlock credit
Share your verified profile with pre-qualified lenders. Apply once, match many.
Multiple lendersNo raw data shared
LIVE PREVIEW · JORDAN M.
Score climbed from 480 → 658 in 11 months.
11-month trend+178 pts
Jun
Aug
Oct
Dec
Feb
Apr
CAPACITY UNLOCKED
$28,000
BEST APR
11.4%
Why Credolay

Built different from the ground up.

Traditional BureausWestern ScoringLoan AppsCredolay
Counts rent payments
Mobile money / wallet dataPartial
Locally calibrated modelPartialMixed
Transparent why-it-changed
Diaspora history bridge
Works without payslipsSome
What builds your score

Top signals weighted by predictive power

Every data source you connect adds weight, depth, and certainty to your score. We tell you exactly what's working and what to improve — always.

Rent
$1,200/mo · Brooklyn, NY
90/100
Bank cashflow
Chase · 18 mo tenure
85/100
Mobile wallet
3,942 txns · 90d streak
78/100
BNPL repayment
3 active plans · 0 missed
77/100
Remittance
Inbound · UK · monthly
74/100
Utilities
ConEd · paid 11/11 on time
71/100
Get started

Your score is waiting.

Join 50,000+ people building credit from the financial life they already live — no payslips, no branch visits, no black box.

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© 2026 Credolay. Alternative credit intelligence, built for everyone.