IPF Digital
IPF Digital is a digital consumer credit provider serving 250,000+ individual borrowers across 6 countries through the Creditea MW and Credit24 brands. It operates as a subsidiary of the London-listed International Personal Finance Group, generating revenue from interest and fees on online personal loans.
- Company typePrivate
- Founded2014
- HeadquartersTallinn, Estonia
- Headcount251–500
- GTM typeB2C
- OfferingServices
IPF Digital firmographics
Firmographics- Name
- IPF Digital
- Legal name
- IPF Digital
- Website
- https://ipfdigital.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- IPF Digital is a digital consumer credit provider serving 250,000+ individual borrowers across 6 countries through the Creditea MW and Credit24 brands. It operates as a subsidiary of the London-listed International Personal Finance Group, generating revenue from interest and fees on online personal loans.
- Ownership category
- akta.pro rank
IPF Digital industry classification
Industry- Product category
- Consumer Lending
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where IPF Digital is headquartered
LocationHeadquarters
- HQ city
- Tallinn
- HQ country
- Estonia
- HQ region
- Europe
Markets served
IPF Digital business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Marketing or Sales, Personnel, Others
Revenue model
- Credit/Lending Services: IPF Digital provides online credit solutions, generating revenue through interest and fees on loans extended to customers. Customers take out and repay credit through the company's digital platforms.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
IPF Digital product offering
Product offeringCore offering
IPF Digital provides online consumer credit solutions, enabling individual customers to apply for, take out, and repay personal loans entirely through digital channels. It operates two consumer-facing sub-brands—Creditea MW and Credit24—across six countries, serving more than 250,000 active customers who prefer digital borrowing and self-service loan management.
Differentiator
Problem solved
Functional benefit
Brands
- Creditea MW: Credit brand operating in one of the 6 countries served by IPF Digital
- Credit24
Products and services
- Creditea MW Online consumer credit brand offering fast, flexible, and user-friendly digital credit solutions to individual borrowers who prefer to take out and repay loans online.
- Credit24 Online consumer credit brand providing digital lending services to customers across multiple markets, enabling personal borrowing and loan management through the brand's online platform.
Companies that use IPF Digital
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
IPF Digital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
IPF Digital partnerships and signals
Strategic signalScale indicators3 records
IPF Digital competitors and assessment
Company assessmentDirect peers
- Ferratum (Multitude SE): Multitude SE (formerly Ferratum) is a Finland-headquartered digital lender offering online consumer and SME credit across European markets. It is one of the closest direct competitors to IPF Digital in online installment lending for consumers.
- 4finance Group: 4finance Group operates a portfolio of online consumer lending brands across the Baltics, Central, and Eastern Europe, directly overlapping with IPF Digital's Credit24 in target customer, product type, and digital distribution model.
- Bigbank: Bigbank is an Estonian-headquartered consumer and SME lender offering online credit products across the Baltics and broader Europe. It is a direct peer given its Estonian origin, online installment lending focus, and overlapping customer base with IPF Digital.
- Avant: Avant is a US-based online consumer lender specializing in unsecured personal loans to non-prime borrowers via a fully digital channel. Closely comparable to IPF Digital in product type, target segment, and digital-only distribution.
- LendingPoint: LendingPoint is a US fintech offering online personal installment loans to near-prime and non-prime consumers. Comparable in product structure (unsecured installment), customer segment, and digital underwriting approach.
- Elevate Credit: Elevate is a US-based online lender focused on non-prime consumers with installment and lines-of-credit products. Comparable to IPF Digital in digital-first, non-prime consumer installment lending and cross-state regulatory navigation.
Regional players
- Mogo Finance: Mogo Finance is a Latvia-based online consumer and vehicle-secured lender active across the Baltic and CIS markets. Comparable to IPF Digital in Baltic-region online consumer credit focus, though with greater emphasis on secured lending.
Broad incumbents
- Provident Financial: Provident Financial is a long-established UK-listed consumer credit provider historically focused on home credit and online lending. Comparable to IPF Digital as a broader established player in non-prime consumer credit with overlapping digital products.
- Enova International: Enova International is a US-listed online consumer and SMB lender offering installment loans and lines of credit via digital channels. Comparable as a broader online non-prime consumer credit operator with overlapping product set.
Emerging players
- Cash Converters International: Cash Converters operates alternative financial services including personal loans across the UK, Australia, and other markets. Comparable to IPF Digital in serving non-prime consumer credit demand with a multi-country footprint, though with a store-based component.
Market position
Customer concentration
IPF Digital financial estimates
Financial estimateRevenue estimate
Valuation estimate
IPF Digital leadership team
Management profileNumber of profiles
Profiles1 record
IPF Digital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IPF Digital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about IPF Digital
What does IPF Digital do?
IPF Digital provides online consumer credit solutions, enabling individual customers to apply for, take out, and repay personal loans entirely through digital channels. It operates two consumer-facing sub-brands—Creditea MW and Credit24—across six countries, serving more than 250,000 active customers who prefer digital borrowing and self-service loan management.
Is IPF Digital a public or private company?
IPF Digital is a private company. It is classified as corporate owned and is currently operating.
When was IPF Digital founded?
IPF Digital was founded in 2014. It employs 251 to 500 people.
Where is IPF Digital based?
IPF Digital is headquartered in Tallinn, Estonia, in the Europe region.
How does IPF Digital make money?
One revenue line is on record: credit/Lending Services.
Who are IPF Digital's main competitors?
Direct peers on record are Ferratum (Multitude SE), 4finance Group, Bigbank, Avant, LendingPoint and Elevate Credit. Mogo Finance is listed as a regional player. Broad incumbents are Provident Financial and Enova International. Cash Converters International is listed as an emerging player.
Does IPF Digital have an API?
No public API is recorded for IPF Digital.
What industry is IPF Digital in?
IPF Digital's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment). Its SIC code is 6141.