Kredis Hrvatska
Kredis Hrvatska is a Croatian consumer lender offering short-term cash loans (200-5,000 EUR) to individual residents through 41 physical branches and a digital platform. Operated by Easy Asset Management d.o.o., it is part of the EasyCredit Global lending network spanning 10+ countries.
- Company typePrivate
- Founded2022
- HeadquartersZagreb, Croatia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Kredis Hrvatska does
Kredis Hrvatska is a Croatian consumer lending brand operated by Easy Asset Management d.o.o., a privately held financial services company headquartered at Zadarska ulica 77, Zagreb. The company provides short-term cash loans and related credit products to individual Croatian residents aged 18 and above, serving customers who need quick access to funds for unexpected expenses or short-term financing without the documentation burden of traditional bank credit. Its product portfolio comprises three core loans: Mini Zajam (short-term loans up to 700 EUR with 30-day repayment and a fixed 3.98 EUR fee, no interest charged), Kredis Gold (investment gold purchase financing up to 2,000 EUR with four installments at a 4.20% annual rate), and Kredit Max (loans up to 5,000 EUR distributed through partner EPS). Supporting programs include the iKredis loyalty scheme (points redeemable for gifts) and the Dovedi Prijatelja referral program (20 EUR reward per successful referral).
The business operates a hybrid distribution model anchored by a network of 41 physical branch offices across Croatia, supported by an online application platform at kredis.hr, a phone-based application channel (01/5581-050), and partner locations at Auro Domus Money Shop for gold-backed lending. Loan origination is fully digital, relying on Identyum's identity verification (ID Wallet), electronic signature (Sign), and bank account data extraction (Fincheck) services. The company employs 90+ people in Croatia, including 65+ credit advisors, and has processed 24,604 approved loans to date. Kredis is a brand within the broader EasyCredit Global network of consumer lending companies operating in 10+ countries including Bulgaria, Romania, Poland, Ukraine, North Macedonia, Spain, Peru, and Kenya.
Revenue is generated through fixed processing fees (3.98 EUR per Mini Zajam), interest charges on installment products (Kredis Gold at 4.20% annually), contractual late payment penalties, and partner-distributed credit products. Marketing spans Facebook, Instagram, LinkedIn, YouTube, and TikTok channels, with a first national television campaign launched in September 2025. The Mini Zajam product operates under Article 3(1)(d) of the Croatian Consumer Credit Act, which exempts qualifying short-term loans from the standard consumer credit regulation framework. Leadership comprises CEO Svetoslav Milchev (President of the Management Board) and board member Marcela Voljavec.
Kredis Hrvatska firmographics
Firmographics- Name
- Kredis Hrvatska
- Legal name
- EASY ASSET MANAGEMENT d.o.o.
- Website
- https://kredis.hr
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kredis Hrvatska is a Croatian consumer lender offering short-term cash loans (200-5,000 EUR) to individual residents through 41 physical branches and a digital platform. Operated by Easy Asset Management d.o.o., it is part of the EasyCredit Global lending network spanning 10+ countries.
- Ownership category
- akta.pro rank
Kredis Hrvatska industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Consumer Lending (522291), Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
Keywords
Where Kredis Hrvatska is headquartered
LocationHeadquarters
- HQ city
- Zagreb
- HQ country
- Croatia
- HQ region
- Europe
Offices42 records
Markets served
Kredis Hrvatska business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Loan Interest and Fees: Kredis generates revenue through interest charges on loans and fixed fees. For the Mini Zajam product, a fixed fee of 3.98 EUR is charged regardless of loan amount. For Kredis Gold (gold investment purchasing), a fixed annual interest rate of 4.20% applies with effective rate of 4.28%. No interest is charged on some short-term products.
- Credit Processing Fees: Fees charged for loan application processing, loan disbursement, maintenance and record-keeping. A fixed 3.98 EUR fee applies to standard loans.
- Late Payment Penalties: Contractual penalties for late payment of installments, including 19% monthly penalty on approved loan amount for failure to provide guarantee documentation
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Mini Zajam - Short-term loan up to 700 EUR with 30-day repayment |
| Subscription | Monthly | Kredis Gold - Investment gold purchase financing up to 2,000 EUR |
| Subscription | Monthly | Kredit Max - Loan up to 5,000 EUR distributed by EPS |
| Transaction based/ take rate | Monthly | Kredis Standard Loan - Loan from 200 to 2,000 EUR |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels10 records
Kredis Hrvatska product offering
Product offeringCore offering
Kredis Hrvatska provides short-term consumer cash loans ranging from 200 EUR to 5,000 EUR to Croatian residents through a network of 41+ physical branches and an online lending platform. The product portfolio includes Mini Zajam (up to 700 EUR, 30-day repayment with a fixed 3.98 EUR fee), Kredis standard loans (200-2,000 EUR), Kredis Gold (gold-purchase financing up to 2,000 EUR in 4 installments at 4.20% annual interest), and Kredit Max (up to 5,000 EUR distributed via EPS). Loan applications are processed via digital identity verification (Identyum) and electronic signature, supporting both walk-in and online customer journeys.
Product overview
Kredis is a Croatian consumer lending company offering a portfolio of loan products through its parent company Easy Asset Management d.o.o. The product lineup includes Mini Zajam (short-term loans up to 700 EUR with 30-day repayment), Kredit Max (larger loans up to 5,000 EUR), and Kredis Gold (investment gold purchase financing up to 2,000 EUR with installment payments). Supporting these core products are the iKredis loyalty program (rewards points for loans) and the Dovedi Prijatelja referral program. All products operate through an online platform at kredis.hr and a network of 41 branch offices across Croatia. Loan applications can be submitted online with digital identity verification via Identyum and electronic contract signing.
Differentiator
Problem solved
Functional benefit
Brands
- Mini Zajam: Short-term loan product up to 700 EUR with repayment in 30 days and a fixed fee of 3.98 EUR.
- Kredis Gold
- Kredit Max
- iKredis (iBonus)
Products and services
- Mini Zajam (Mini Loan) Short-term loan product for individual consumers providing up to 700 EUR with a repayment period of up to 30 days. Features a fixed fee of 3.98 EUR and no interest charges. Designed for quick access to funds for unexpected expenses.
- Kredis Standard Loan Standard consumer loan for individual Croatian residents with amounts ranging from 200 EUR to 2,000 EUR with transparent terms. Requires a guarantor for amounts above 700 EUR. Repaid in monthly installments.
- Kredis Gold Gold-purchase financing product allowing customers to buy investment gold in installments up to 2,000 EUR. The gold purchase agreement is signed with the company and repayment is made in 4 equal installments with a fixed annual interest rate of 4.20% (effective rate 4.28%). Available via Auro Domus Money Shop partner locations.
- Kredit Max Larger-scale loan product providing up to 5,000 EUR for individual consumers needing higher loan amounts than Mini Zajam. Distributed through EPS (Easy Payment Solutions) partner network under monthly repayment terms.
Quantifiable outcome
- 24,604 approved loans processed
- +1 more outcomes
Companies that use Kredis Hrvatska
Customer profileSegments1 record
Ideal customer profiles1 record
Kredis Hrvatska technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature5 records
Kredis Hrvatska partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and flagship.
- Identyum (Identity Consortium d.o.o.)coreIdentyum provides identity verification services including ID Wallet for secure identity storage and sharing, electronic signature (Sign) for contract signing, Fincheck for bank account data retrieval, and Identify service for identity data verification. These services enable Kredis's fully digital loan application process.
- EasyCredit Global NetworkflagshipKredis operates under the EasyCredit/iCredit international brand network present in 10+ countries including Bulgaria (EasyCredit), Romania (iCredit), Poland (iCredit), Ukraine (iCredit), North Macedonia (MCash, MBroker), Spain (Mi Prestamo), Peru (Mi Prestamo), and Kenya (iLoan).
- Auro Domus Money Shop d.o.o.coreAuro Domus is a partner for Kredis Gold product (investment gold purchasing), where customers can apply for gold-backed loans at Auro Domus locations. Both companies are joint data controllers for video surveillance at shared locations.
- EPS (Easy Payment Solutions)coreEPS distributes the Kredit Max product (up to 5,000 EUR loan) as part of their financial services offering.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Kredis Hrvatska competitors and assessment
Company assessmentDirect peers
- Vivus: Pan-CEE online short-term consumer lender offering small-ticket, fast-disbursement loans. Highly comparable to Kredis's Mini Zajam by ticket size, target customer, and digital onboarding flow.
- EasyCredit Bulgaria: Sister brand in the EasyCredit Global network offering identical small-dollar short-term consumer loans in Bulgaria. Closely comparable by business model, pricing structure, and digital-plus-branch distribution.
- iLoan Kenya: Sister company in the EasyCredit Global network offering similar short-term consumer loans in Kenya. Comparable core lending model with mobile-first distribution twist.
- iCredit Romania: Sister company in the EasyCredit Global network operating the same small-ticket consumer lending model in Romania. Direct peer by brand affiliation, product structure, and target customer segment.
- MBroker North Macedonia: Sister company in the EasyCredit Global network. Functions as a broker/partner brand alongside MCash in North Macedonia, providing a regional comparison point for how Kredis's model extends into intermediation.
- MCash North Macedonia: Sister company in the EasyCredit Global network operating in North Macedonia. Same short-term consumer lending model in a regional CEE market, making it a near-perfect operational peer.
- Zaplo: EU short-term installment lender active across multiple European markets including Poland. Closely comparable business model—small-ticket online consumer loans with installment repayment—making it a relevant peer for Kredis's standard product line.
- Mi Prestamo Spain: Sister brand in the EasyCredit Global network operating small-ticket consumer lending in Spain. Directly comparable by product, customer profile, and online-plus-branch channel mix.
Broad incumbents
- Provident Croatia: Croatian operation of Home Credit, providing home-collected and online consumer loans. Direct geographic peer to Kredis in the Croatian market but with a broader, more mature product set and well-established brand.
- Home Credit: Large established consumer lender operating across CEE and beyond, including in Croatia via its Provident subsidiary. Overlaps with Kredis on consumer credit for underbanked segments but operates at significantly larger scale and a broader product portfolio.
Market position
Strengths1 record
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights1 record
Customer concentration
Kredis Hrvatska social profiles
Digital presenceKredis Hrvatska financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kredis Hrvatska leadership team
Management profileNumber of profiles
Profiles2 records
Kredis Hrvatska funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kredis Hrvatska 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 Kredis Hrvatska
What does Kredis Hrvatska do?
Kredis Hrvatska provides short-term consumer cash loans ranging from 200 EUR to 5,000 EUR to Croatian residents through a network of 41+ physical branches and an online lending platform. The product portfolio includes Mini Zajam (up to 700 EUR, 30-day repayment with a fixed 3.98 EUR fee), Kredis standard loans (200-2,000 EUR), Kredis Gold (gold-purchase financing up to 2,000 EUR in 4 installments at 4.20% annual interest), and Kredit Max (up to 5,000 EUR distributed via EPS). Loan applications are processed via digital identity verification (Identyum) and electronic signature, supporting both walk-in and online customer journeys.
Is Kredis Hrvatska a public or private company?
Kredis Hrvatska is a private company. It is classified as unknown and is currently operating.
When was Kredis Hrvatska founded?
Kredis Hrvatska was founded in 2022. It employs 11 to 50 people.
Where is Kredis Hrvatska based?
Kredis Hrvatska is headquartered in Zagreb, Croatia, in the Europe region.
How does Kredis Hrvatska make money?
Three revenue lines are on record. Loan Interest and Fees are the primary driver. The others are credit Processing Fees and late Payment Penalties.
Who are Kredis Hrvatska's main competitors?
Direct peers on record are Vivus, EasyCredit Bulgaria, iLoan Kenya, iCredit Romania, MBroker North Macedonia, MCash North Macedonia, Zaplo and Mi Prestamo Spain. Broad incumbents are Provident Croatia and Home Credit.
Does Kredis Hrvatska have an API?
No public API is recorded for Kredis Hrvatska.
What industry is Kredis Hrvatska in?
Kredis Hrvatska's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday). Its NAICS code is 522291 and its SIC code is 6141.