Commerce · alternatives · 2026

24 alternatives to Credy

Credy is a credit line for Indian consumers

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Credy launched in 2017; newer entries below may have overtaken it.

1. 1CP
   Credy – Peer-to-Peer Lending Platform for India▲65

   2017 · credy.in · its alternatives →

2. 2
   Crendly▲87

   A marketplace for loans, connecting lenders and borrowers

   2023 · crendly.com · its alternatives →

3. 3
   Crednip▲2

   WORLD'S LIVE LEADS YELLOWPAGES OF BORROWERS AND LENDERS

   Aug 2026 · crednip.com · its alternatives →

4. 4
   CrediSure Mobile App ▲7

   Credit scores, Loans & BNPL, all in one app

   2025 · app.credisure.ng · its alternatives →

5. 5
   CreditDIY▲28

   Next-Gen Credit Repair Software

   2024 · credit-diy.com · its alternatives →

6. 6
   Owy▲269

   Keep track of the things people owe you

   2017 · its alternatives →

7. 7
   Finly▲68

   Personalized credit card finder

   2023 · finlywealth.com · its alternatives →

8. 8
   Credyt▲100

   Hey HN! I'm the founder of Credyt (https://credyt.ai). If you're running an AI product that burns $0.50+ per interaction, you need to bill customers as usage happens, not at the end of the month. Otherwise you're a bank for your customers, and you'll run out of money before they do. Why invoice-based billing doesn't work for AI: Most usage-based billing tools (Stripe Billing, Orb, etc.) were built for SaaS. They meter usage all month, then send an invoice. That works fine when your COGS is 5%. It's a disaster when you're paying your AI vendor upfront for every request and your…

   Nov 2025 · credyt.ai · its alternatives →

9. 9
   Omni Lending▲228

   Instantly lend anything you own to your friends.

   2016 · its alternatives →

10. 10
    Peachy Patients▲298

    We’re changing the way people access and afford healthcare

    2022 · its alternatives →

11. 11
    Cred▲8

    India's most rewarding credit card payment app ever

    2018 · cred.club · its alternatives →

12. 12
    Earny▲290

    A bot that gets you money back when prices drop

    2016 · earny.co · its alternatives →

13. 13
    betterbanking.app▲241

    Bank that fights medical debt with a free $5K emergency fund

    2020 · its alternatives →

14. 14
    FinKitty▲107

    Your finance pet that cheers every smart money move

    Oct 2025 · finkitty.com · its alternatives →

15. 15
    FairPay▲117

    Painless bill splitting

    2018 · apps.apple.com · its alternatives →

16. 16
    iLend▲201

    Keep track of the things you lend and borrow.

    2017 · ilendapp.com · its alternatives →

17. 17
    Splitable▲65

    A web app to help you split a bill with your friends.

    2019 · splitable.netlify.app · its alternatives →

18. 18
    Razorpay▲186

    Stripe for India

    2015 · razorpay.com · its alternatives →

19. 19
    JustLend▲66

    Solving family, friend, & community lending at scale

    2022 · justlend.co · its alternatives →

20. 20
    LensPay▲78

    An optical payment solution where QR codes are in.

    2016 · its alternatives →

21. 21
    Up Credit▲71

    Get detailed credit reports

    2021 · apps.apple.com · its alternatives →

22. 22
    Underpay▲75

    Bank-to-bank payments that grow your business

    2023 · its alternatives →

23. 23IM
    I'm open sourcing Creditly.js, an intuitive credit card form▲34

    2014 · wangjohn.github.io · its alternatives →

24. 24
    LendingCrowd▲111

    Peer-to-peer lending in your pocket

    2015 · lendingcrowd.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →