Development of the online portal «CreditBudet»

The online portal “CreditBudet” is a specialized financial marketplace focused on selecting credit products (consumer loans, credit cards, refinancing, secured loans) based on the individual parameters of the borrower. The online lending market in Russia is characterized by high fragmentation of offers, aggressive advertising from microfinance organizations (MFOs), and the lack of a unified tool for users to compare real (rather than “from”) interest rates taking approval likelihood into account. Most existing services are limited to publishing bank offers without considering credit history, income level, or desired loan amount, leading to rejections and wasted time for the end user.

The project’s objective is to create not just a “bank storefront,” but a predictive service that can accurately forecast loan approval based on a soft credit check and scoring.

The portal is focused on three key segments:

• Borrowers with a “grey” or imperfect credit history – people who are rejected by banks due to late payments, high debt burden, or lack of official income. Key pain point: not understanding the reasons for rejection and fear of another negative inquiry to the credit bureau.
• Borrowers with a good credit history but limited time – they want to get the best possible interest rate without calling five different banks. Key pain point: difficulty in independently comparing the total cost of the loan (including insurance and fees).
• Users needing “quick money” up to 100,000 RUB – they most often consider microloans but do not understand the overpayment. Key pain point: the absence of a clear daily overpayment scale.