Frequently asked questions
General
What is NajdiKredit?
A free platform that matches you with a licensed lender or transfer provider in North Macedonia. We're not a lender or bank ourselves.
Is it really free?
Yes. We're paid by partners through referral fees, never by visitors. See Licenses & Disclosures.
Does comparing affect my credit score?
No. Browsing and comparing never involves a credit check. A partner may run one once you apply directly with them.
Loans
Why is the APR shown as "representative"?
Your actual rate depends on the amount, term and your individual assessment. The representative APR is what a typical qualifying applicant could expect, not a guaranteed price.
What if I can't repay on time?
Contact your lender directly as soon as possible — most have a hardship or rescheduling process. Missing payments affects your credit history and can add late fees.
Money transfer
Why do two providers show different amounts for the same transfer?
The exchange rate and the flat fee both vary by provider — a lower fee with a worse exchange rate can cost more overall. Always compare the final amount received.
Is my money protected during the transfer?
Every partner we work with holds a valid license to operate in North Macedonia. Read their own terms for specific protections before sending a large amount.
Still have a question? Contact us.