How Acreed works for you

Verify once, show it everywhere

A lender needs to know who you are and that you can repay before they lend. Acreed checks that for them. You prove who you are and where you live, and Acreed reads your credit history, your work and pay, and the bank account your pay goes into. It turns that evidence into an Acreed Credibility Score out of 100.

A score in the Strong or Established band earns an Acreed certificate in your own name. Any lender can check it in seconds by scanning its QR code, so you do not have to prove the same things again for every lender.

The journey

1. Create your account and choose Individual.
2. Get verified. Each check runs as you go, and your score is worked out at the end.
3. If your score earns one, you get your certificate. If it does not yet, the Score & Analysis page shows what would lift it.
4. Let lenders find you, or give your certificate link to a lender you already know, and apply when a lender invites you.
5. If a lender approves you, accept their offer. The lender pays the loan to you, and you repay them directly, as agreed with them.

Acreed is not a lender

Acreed does not lend, and money never moves through Acreed. Acreed checks the evidence before the loan, and shows the lender exactly what it found.