Terms of Service

Last updated: 4 August 2026 · Draft template — have this reviewed by a lawyer qualified in North Macedonia before publishing.

1. What NajdiKredit is

NajdiKredit is an independent comparison and referral service. We list licensed lenders and money transfer providers operating in North Macedonia so you can compare their published terms side by side. We are not a bank, lender or transfer operator, and we do not make credit or transfer decisions of any kind.

2. Using the site

Comparing offers on NajdiKredit is free and does not require you to open an account or apply for anything. By using the site you agree not to misuse it — for example by scraping it at scale, attempting to disrupt it, or submitting false information through any form we provide.

3. Representative figures

Amounts, terms, APRs and premiums shown on NajdiKredit are illustrative examples for comparison, based on information published by our partners at a point in time. They are not a quote, an offer, or a guarantee of the terms you will personally be offered — your actual terms depend on the partner's own assessment. Always confirm exact figures directly with the partner before signing anything.

4. Referral fees

We may receive a referral fee from a partner if you go on to take out a loan, transfer or policy after clicking through from NajdiKredit. This never affects the rate, fee or premium you are offered, and it never changes the order offers are shown in beyond the filters you choose.

5. No advice

Nothing on NajdiKredit is financial, legal or tax advice. We provide information to help you compare; the decision to borrow or transfer money, and with whom, is entirely yours.

6. Liability

We try to keep the information on this site accurate and current, but we cannot guarantee that every figure reflects a partner's live terms at every moment. To the extent permitted by Macedonian law, NajdiKredit is not liable for decisions made based on information shown on the site, or for the acts of any partner you apply with.

7. Governing law

These terms are governed by the laws of North Macedonia. Disputes are subject to the jurisdiction of the competent courts in North Macedonia.

8. Contact

Questions about these terms: support@credits.ocslive.com.