Control your financial health.
Check and control your financial score, use it to get all of the best loan deals.
One-time registration and shop credit with a pre-approved score, that’s it, easy.
Verify your Payability before looking for credit. This is handy when you need to do a down-payment to the loan and you have to prove that the amount is available in your bank.
Simply check your ability to pay to any amount that the merchant requests and send the Proof through your app.
Your choice who you share it with. You are in Control!
Your score is calculated on your current financial strengths of income, debts and available funds, with a rating from 0 to 10 its done in less than a minute. Nothing more to do.
KKarma is using the same security as the leading banks, your data belongs to you.
All the connections to the bank is done in a secure process that the banks have in their own login system, that is why you see their login page inside the app.
We do not store your login information or password. It is fully in your control.
Get access to the best loan deals in one place
One-time registration, we find you the best deals based on your score. You’re prequalified for all of them.
Protect your BIK Score
We protect your BIK score, apply for as many loans as you want. No record will be entered with BIK.
Take control of your financial strength
Your score belongs to you, not to the banks or BIK.
Fast. Fun. Easy.
Check out how easy it is to use KKarma. It only takes one minute and never fill in a form again.
Check your Score!
It only takes 3 steps.
1. Register with KKarma, connect to your bank account,
2. Generate your Score based on your earnings, expenses and savings,
3. Share your Score with others whenever you want. Get all of the best deals.