CreditGO is a brand of the Czech company Emma’s Credit, which has been operating since 2014 and is licensed by the Czech National Bank to provide consumer loans. The company offers short-term unsecured loans with a single repayment at maturity. The loans listed on Bondster range from CZK 500 to CZK 20,000, with an average maturity of approximately 18 days.

The application process is conducted online and uses an electronic signature verified through a confirmation code. When assessing creditworthiness, the company relies on its own underwriting rules, external scoring data, and information from the REPI credit registry, which includes both negative and positive repayment histories. The short maturity period increases capital turnover, while the low principal amount of individual loans enables the creation of a highly granular portfolio.

As the loans are not secured by collateral, the main safeguards are customer selection, collection efficiency, and the financial stability of the loan originator. CreditGO retains a 5% stake in the financed loans and offers all Bondster investments with a buyback guarantee.

The current return offered to investors on Bondster is 9% p.a.