Who competes with Kredi?

Kredi competes in the Fintech category against Pesto, Tally, Lenk, R2, Tranqui Finanzas and other Y Combinator-backed companies.

Kredi alternatives: 12 options compared

Q: What are the best alternatives to Kredi?

The closest alternatives to Kredi are Pesto, Tally, Lenk. This page compares 12 alternatives on what each one does, funding stage, team size and operating status.

Q: Which Kredi alternative should I choose?

Pesto is the closest match to what Kredi does. Larger teams in the comparison table generally offer more support and a longer track record, while earlier-stage companies tend to compete on price.

Q: Is Kredi still active?

Kredi is currently listed as Active in the Y Combinator directory.

TL;DR: If you are replacing Kredi, the closest options are Pesto, Tally, Lenk. The table below compares 12 alternatives on what they do, stage, size and status.

Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces Kredi (YC Winter 2021).

Last verified: 2026-04-21

What are the best alternatives to Kredi?

The three closest alternatives to Kredi are:

Pesto — works in the same Fintech category (YC Winter 2021).
Tally — works in the same Fintech category (YC Winter 2025).
Lenk — The next-gen lending platform for the banking system in LATAM. (YC Winter 2022).

Kredi alternatives compared

Alternative	What it does	Stage	Team	Status
Pesto	—	YC Winter 2021	8	Active
Tally	—	YC Winter 2025	2	Active
Lenk	The next-gen lending platform for the banking system in LATAM.	YC Winter 2022	18	Active
R2	Embedded lending infrastructure	YC Winter 2021	100	Acquired
Tranqui Finanzas	Debt Management for Latin America.	YC Summer 2019	27	Active
Apurata	Point of sale financing for Latin America's middle class.	YC Summer 2019	12	Active
Nexu	Financing platform for LatAm car dealerships.	YC Winter 2020	63	Active
Satchel	—	YC Summer 2018	8	Inactive
Hapi	Stocks and cryptos trading app with zero commissions and no minimums…	YC Winter 2021	45	Active
Pagaloop	Pay, Get Paid and Extend Cash Flow using your Credit Card as…	YC Winter 2021	23	Active
Accept.inc (formerly BoardRE)	BoardRE is a new type of mortgage company that upgrades any offer…	YC Winter 2019	80	Acquired
Conta Simples	All-in-one financial platform for latam Startups and SMBs.	YC Summer 2020	130	Active

Which Kredi alternative should I choose?

It depends on your size. Pesto is the closest match on what Kredi actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.

Is Kredi still active?

Kredi is still operating, so switching is a choice rather than a forced migration. Compare on fit and price rather than urgency.

How was this list put together?

Every company here is Y Combinator-backed and was matched to Kredi on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.

Looking to save on Fintech tools? Browse our vetted lifetime SaaS deals from verified vendors.

Built by LemStudio

Building or buying SaaS? Try our founder tools →

Explore related

Loading interactive view…