What you're promoting
Kredu is the quick, small-sum "chwilowka" play — fast decisions and a first-loan-free hook that converts intent-driven Polish traffic.
Kredu (kredu.pl) is a Polish online short-term loan service. It works as an intermediary, routing applications to partner lending companies rather than lending directly, and specialises in small, short-duration loans reportedly in the range of 100 to 5,000 PLN with a roughly 30-day repayment term. The application is fully digital with no account required, decisions are issued within minutes, and new customers are commonly offered a first loan at 0% RRSO (returning exactly what they borrowed). It targets Polish adults who need a small amount quickly to bridge to their next payday. As is typical for short-term products, the representative APR/RRSO can be high, and final terms depend on the partner lender.
For affiliates, Kredu runs on CPS at 4.5% per sale in the PL GEO. Its strong hooks — speed and a first-loan-free offer — make it a high-converting fit for users with immediate, short-term cash needs, distinct from the larger installment offers in this set. Profit Ninja provides around 48-hour payments and a dedicated account manager. This is a Non Incentive offer, so incentivised traffic is not allowed.
Why run Kredu with Profit Ninja
Fast 48h payments
Get paid quickly and reliably — most withdrawals are processed within 48 hours, often sooner.
Dedicated account manager
A real person who knows the offers, answers fast and helps you scale — not a chatbot.
In-house traffic know-how
We buy media and rank sites ourselves, so the advice you get on Kredu is grounded in real spend.
Unlimited caps & top payouts
Room to scale with competitive payouts negotiated directly with top advertisers.
Kredu — frequently asked questions
What is Kredu?
Kredu is a Polish online short-term loan intermediary that connects applicants with partner lenders for small, fast loans repaid in roughly 30 days.
How is Kredu different from the installment offers?
Kredu focuses on small, short-term loans (reportedly 100-5,000 PLN, ~30-day term), whereas installment offers cover larger sums repaid over many months.
What is the first-loan-free angle?
New customers are commonly offered a first loan at 0% RRSO, meaning they return exactly the borrowed amount. It is a strong conversion hook, but confirm current terms before featuring it, as offers can change.
What is the payout and model?
CPS (cost per sale) at 4.5% per sale, in the PL GEO.
What traffic is allowed?
This is a Non Incentive offer; incentivised traffic is not permitted. Short-term, intent-driven finance traffic typically suits it best.
Should I mention costs or guarantee approval?
Do not guarantee approval. Be transparent that short-term loans can carry a high representative APR/RRSO, encourage responsible borrowing, and note that terms depend on the partner lender.
How do I get started on Profit Ninja?
Sign up at app.profit.ninja/signup/affiliate and request the Kredu campaign. You get roughly 48-hour payments and a dedicated account manager.
