Legal
Last updated 31 July 2026
These are the plain-language terms of using CredMe's consultation and calculator. They are a summary, not a substitute for a full, legally-drafted terms of service, which we recommend before this product handles real customer commitments at scale.
CredMe's consultation, calculator, and CredReport are provided free of charge, with no sign-up required to begin. You may stop at any point, and nothing you share is submitted to a bank unless you decide to move forward.
A CredReport reflects our best estimate of your position at the time it is prepared. Final approval, rate, and terms are always at the discretion of the relevant bank, subject to its own underwriting process.
Once you choose to connect with your assigned advisor, they review the details behind your CredReport before anything is finalized. Their guidance does not replace, and is never overridden by, the automated recommendation itself.
By using CredMe, you agree to these terms as summarized here.
We would like to measure how this site is used, with Google Analytics, so we can improve it. This sets cookies in your browser and is entirely optional. Nothing you enter into the calculator, and no personal or financial detail, is ever sent. See our privacy page.