Control your financial health.

Check and control your financial score, use it to get all of the best loan deals.
One-time registration and shop credit with a pre-approved score, that’s it, easy.

Control your financial health.

Check and control your financial score, use it to get all of the best loan deals.
One-time registration and shop credit with a pre-approved score, that’s it, easy.

About

Score

Your score is calculated on your current financial strengths of income, debts and available funds, with a rating from 0 to 10 it is done in less than a minute. Nothing more to do.

About
About

Security

KKarma is using the same security as the leading banks, your data belongs to you.
 All the connections to the bank is done in a secure process that the banks have in their own login system, that is why you see their login page inside the app. 
We do not store your login information or password. It is fully in your control.

About
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Get access to the best loan deals in one place

One-time registration, we find you the best deals based on your score. You’re prequalified for all of them.

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About

Protect your BIK Score

We protect your BIK score, apply for as many loans as you want. No record will be entered with BIK.

About
Gallery

Take control of your financial strength

Your score belongs to you, not to the banks or BIK.

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About

Fast. Fun. Easy

Check out how easy it is to use KKarma.
It only takes one minute and never fill in a form again.

About
Features

Check
your Score!
It only takes
3 steps.

1. Register with KKarma, connect to your bank account.

2. Generate your Score based on your earnings, expenses and savings.

3. Share your Score with others whenever you want. Get all of the best deals.

Features
About

How does it work?

Download the app

Available with IOS and Android

Register with Kkarma:

Register with Kkarma:

name
phone number
email address
password

Get your Score:

The connection to the bank and analysing the transaction will take few seconds.
Generating your Score, is based on your earnings, expenses and savings in the bank you choose to connect to. 
We do not store your login or password to your bank. 
Each time you wish to generate a new score or validate your ability to pay a certain amount, you will have to login to your bank account. This is for you to always know that your data and score stay in your control.

About
Download

Be mobile

The application is available with iOS and Android

FAQ

How can I use KKarma Scoring?

The Standard Version of the Application is free, just go ahead and install it on your Mobile Phone.
Download the “KKarma” App on your iPad, iPhone or Android tablet or phone.
Open it and register. Then simply click on the calculate bottom. Choose Your preferred bank and login to your bank profile. This allows us to give your scoring and deliver you the best credit offers. Please check the detailed User Guide for the further details.

Can I use the scoring for international loan application?

KKarma scoring is presently valid exclusively for Polish credit applications.

What areas are covered by KKarma?

Our services are available in Poland from start, other countries will be added as soon as we will receive permission to offer services in that country. 

Is the application available on Android and iOS as well?

Yes, you can download KKarma application to Your iPhone, iPad, Android Phone or Tablet FREE.
Our service is tested and works well with IOS version 12 and above.

How much does it cost to get my Score?

Nothing, any times you want to update your score, the service is free from charge.

How to apply for a loan using KKarma?

Install the application KKarma on your phone from the AppStore or Google Play.
Register and submit your application through KKarma App on the page for Best deals.
Type in the amount you looking to loan, and we will match your score with amount and lenders available.

What bank account can I use?

Currently we serve customers of all major Polish Banks.

Problems with logging in to your bank?

Please send us an email : info@kkarma.pl  with your contact details, and we will help you to get started.

Why are there limited loan offerings?

We are working hard on getting new offerings to you, this first version does only include few deals, to show you how easy you can get your own financial strength and see all deals that you already are pre-qualified for. The list of new credit deals will continuously expand.

Is it safe to give my Bank Login details?

Yes, all the connections to the bank is done in a secure process that the banks have validated. In fact, the login to the bank, are done with the banks own security login system, that is why you see their login page in the app.
We do not store your login information or password. It is fully in your control. That mean, the app or system does not have access to any of your bank account, when you are not logged in by yourself. It is also the reason, whenever you wish to get an updated score, you have to login yourself to the bank to get a new score.

How much time does it take to receive my scoring?

The calculation time highly depends on the speed of the bank’s connection.
It takes 12 seconds in average to receive all the data, but different banks has sometime different structures what can lead to up to a minute wait to receive the score first time.

Why is good to get a scoring?

Loan providers provide you Loan based on your credibility level which is presented through a scoring. The KKarma Score runs from 0-10. 

0-4.0 Improve

4.0-7.0 Good

7.0 – 10.0 Great 

It gives you an idea of how lenders view your financial strengths from a credit perspective. The higher your score, the greater your chance of getting the best credit deals with the lowest interest rates.

Is my scoring approved by the loan providers?

We working hard towards being able to provide you with the best loans and offers, and KKarma scoring is approved by several of the lenders in Poland and more has recognised this is the future way to help people to get the best credits.

Is it influencing my scoring negatively if I run several times KKarma scoring?

You can run the scoring as many times as you want. It doesn’t have any negative effect in any format for your scoring. This is one of the main differences from Polish BIK credit score. Multiple credit request in their system, it influences in a negative way on their BIK score. 

What does it mean if my Scoring is low in the category “Improve”?

Lower scoring means that for the offered deals of loan, you pay higher interest than if your scoring were in the “Good or Great” category. There are fewer deals for lower score offered.

Can I still apply for credit with low credit rating?

Yes you can, but your interest rate will be higher than if your scoring would be in “Good or Great” category.

How can I be sure that the loan provider receives my details safely?

Our communication with the lenders, are handle with encrypted secure communication. In addition, we send you an email copy of the details we shared with the lenders.

What happens with my Account after I finished using the App?

We recommend You to keep the app active as you can always have situations when your Ability to Pay shall be proved, or you might need some other short-term financial help. We do not remove your details and profile, even if you don’t open the app.
However, if you want to close your account we follow the GDPR instructions and keep your data for 90 days.

How do I cancel my account?

Please write us on: info@kkarma.pl and we will remove your account details
within 48 hours. 

What if I don’t find answer in the FAQ for my question?

Please send us your question to info@kkarma.pl and we answer in 24 hours.

Other problems

If any of the screens or functions does not work, please send us a screen shot and if possible some description of the problem to test@kkarma.pl.
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Explore KKarma

About

DATA PRIVACY POLICY

TERMS AND CONDITIONS

About

Kredyt Karma

ul. Widok 16/27
00-023 Warsaw
Poland
NIP: 5252736393
REGON: 3692916090
Phone: +36202482550