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.

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

Bank cashflow

Mobile wallet

BNPL repayment

Updated today · Next refresh in 3 days

50K+

People scored in private beta

$4.2T

Global credit gap for underserved borrowers

Countries served and growing

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.

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.

Verify it's you

One government ID check anchors your identity — secure, private, never sold.

● 60 seconds● No branch visit

Connect what you already use

Rent, mobile money, bank, BNPL, utilities, gig income. Pick what fits your life.

● 8+ sources● Open banking

Get your score

Our model reads 6 months of behaviour and gives you a 300–850 score with full transparency.

● ~2 min compute● Fully explained

Build it up

Pay on time, stay active. Watch the score climb and see exactly which actions move the needle.

● Monthly refresh● Action coach

Unlock credit

Share your verified profile with pre-qualified lenders. Apply once, match many.

● Multiple lenders● No 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 Bureaus	Loan Apps
Counts rent payments
Mobile money / wallet data		Partial
Locally calibrated model	Partial	Mixed
Transparent why-it-changed
Diaspora history bridge
Works without payslips		Some

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

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