Your preparation
passport points show progress through your profile, identity steps and document checklist. They help you see what is missing.
Your finances.
A clearer view.
Tell us what you need finance for. Compare broker responses. Choose who you trust.
What is it?
Prepare for a loan.
Choose your broker.
A broker marketplace where you organise your finances, compare brokers and choose who to work with.
Your Credit Passport brings your financial profile, credit score and documents together. See what’s ready, understand what’s missing and decide what to share with your chosen broker.
For your home, vehicle, business or personal plans.
Less chasing.
More clarity.
Getting familiar with your finances
Your questions
about borrowing.
If credit and borrowing are new to you, it can be hard to know which questions to ask. We’re building Credit Passport to help you understand the information involved, before you decide whether a loan is right for you.
How the information fits together ↓Your passport points
A view of your
preparation.
Earn passport points by completing your profile and required documents. Each point increases your Passport Rating, up to 1,000. This measures preparation, not borrowing capacity.
A first look
What each part tells you.
Your credit score
A separate number from a credit reporting provider. It is not the same as your passport points and does not tell the whole story.
Your everyday position
Your income, expenses and existing debts are part of understanding what you can afford. They matter alongside your credit score when you’re considering a loan.
Does a high Passport Rating mean I can borrow more?
No. It shows preparation, not an approved borrowing amount. A lender still needs to assess an application.
Your next move,
from start to connection.
AM Alex MorganFictional borrower · Home refinanceFees, explained
Free for borrowers.
Clear about the costs.
Credified’s model keeps the platform free for borrowers. Broker services and loan costs are separate, so you can understand what you’re agreeing to before you proceed.
$0Credified platform fee for borrowers
Your preparation, in one place.
Your account, Passport Rating and borrowing dashboard have no planned subscription or paywall. Your credit score will be included when the provider connection is available.
Broker charges
A broker may charge for their service. Ask for their fees, any commission they receive and the terms of engagement before choosing to proceed.
These are separate from Credified’s platform fee.
Lender and other costs
Loan interest, lender fees and any other applicable third-party costs are separate. Review the loan terms and cost disclosures before accepting an offer.
Costs depend on the loan and provider you choose.
How Credified would earn revenue
Our proposed revenue comes from a share of broker commission. The commercial arrangements still need to be agreed. This preview does not charge fees or process loan applications.
Your questions, answered.
Is credified free?
Yes. credified is committed to being free for borrowers, forever. Your full account, Passport Rating, credit score when connected and borrowing dashboard will have no subscription or paywall. Brokers and lenders may charge separately for their services or loan products; review those costs before proceeding. credified’s proposed revenue comes from a share of broker commission.
What does my Credit Passport show?
Your Passport Rating, credit score and document status in one place. Earn passport points by completing profile details and required preparation steps. These increase your Passport Rating out of 1,000. Your credit score comes separately from a credit reporting provider. Neither number is a loan approval or an approved borrowing amount.
How are brokers checked?
Before participating in the live marketplace, brokers will need their identity, relevant Australian credit licence or credit representative status and service scope checked. MFAA or FBAA membership will be shown separately where verified. Reviews will be tied to recorded customer interactions. These checks do not guarantee loan approval or a particular result. Broker onboarding is currently a prototype.
What can I borrow for?
Planned categories cover home purchases and refinancing; personal loans; personal and business vehicles; business assets and equipment; and commercial or development finance. The first pilot focuses on personal and business vehicle finance. Other categories will open when suitable brokers and the required operating arrangements are ready.
Can I explore before applying?
Yes. Prepare your details, learn about your position and compare brokers at your own pace. You choose whether to proceed with a loan application.
Does using credified affect my credit score?
Exploring this preview does not run a credit check. The live service is intended to let you prepare details and request broker responses without a lender credit enquiry. Credit-score access and any enquiry will be explained before you consent. A lender’s enquiry during an application may affect your score.
Who can access my documents?
The live design keeps private documents out of marketplace listings. You select a broker and separately approve the documents they may access. Access history and withdrawal of future access are part of the design; previously downloaded copies cannot be recalled. This preview accepts no financial documents.
How will my information be protected?
The site uses HTTPS. Before live document uploads open, our backend and security review must confirm encryption in transit and at rest, key management, access controls, storage and backup locations, retention and deletion. We will publish those verified details and the applicable privacy notice. End-to-end encryption and Australian-only storage are not currently claimed.
What can I use today?
Explore the borrower and broker workspaces with fictional records. Live logins, document storage, provider connections and real broker transactions still require engineering and approval.