# Credio - Loan & Mortgage — Track EMI, interest, payments

> Privacy-first loan and installment purchase tracker with smart reminders and debt visualization. (iPhone/iPad app by VINCENT CORBALAN.)

- Source: https://appshunter.io/ios/app/credio-loan-and-mortgage/id6759092669 (this page in markdown: same URL + `.md`)
- Developer: [VINCENT CORBALAN](https://appshunter.io/developer/1788646053)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.6 · 13 MB
- Languages: American English, Arabic, Croatian, Czech, Danish, Dutch, Finnish, French (France), German (Germany), Greek and 15 more
- Released: 2026-02-16
- Data updated: 2026-08-01
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/credio-loan-and-mortgage/id6759092669/reviews.md

## What is Credio?

Credio is the privacy-first loan tracker for iPhone. Track every credit, installment, and monthly payment in one elegant app. Visualize your total debt. Get smart reminders before every charge. No ads. No tracking. Your data stays yours.

THE SMARTER WAY TO TRACK YOUR LOANS AND INSTALLMENT PURCHASES

From car loans and mortgages to personal loans and installment purchases, Credio gives you a clear, beautiful view of your total debt, monthly payments, and progress toward debt-free living.

WHAT YOU CAN DO

— Track unlimited loans, mortgages, personal loans, and credits
— Track installment purchases with custom bubbles, emoji, and colors
— Get smart reminders before every monthly charge
— Visualize your debt over time with detailed charts
— See full amortization schedules with principal and interest breakdown
— Simulate new loans and estimate monthly payments
— Sync your data across iPhone and iPad with iCloud
— Lock the app with Face ID or a passcode
— Available in 25 languages

CREDIO PREMIUM

Unlock advanced features:
— Unlimited loans and installment bubbles
— Detailed simulations and projections
— PDF export for complete reports
— Premium icons and customization
— Priority support

Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Cancel anytime in your Apple ID subscription settings.

PRIVACY BY DESIGN

— No ads, ever
— No tracking, ever
— No third-party analytics
— Your data stays on your device or in your personal iCloud
— No accounts, no signups

Credio is designed and developed in France by Ensenha, an independent studio building respectful, ad-free, privacy-first iOS finance apps.

Terms of Use (EULA): https://ensenha.com/credio/credio-cgu.php
Privacy Policy: https://ensenha.com/credio/credio-privacy.php

## Key features

- Track unlimited loans and credits
- Manage installment purchases
- Smart payment reminders
- Debt visualization and charts
- Amortization schedules
- Loan simulation
- iCloud sync

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Credio Premium | $0.99 | per month |
| Credio Premium | $8.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Credio Pro | $3.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/credio-loan-and-mortgage/id6759092669/reviews.md

### 5/5 — Super

*2026-05-10*

Application vraiment excellente et très bien pensée. Franchement, j’ai longtemps cherché une appli comme ça pour regrouper et suivre facilement mes crédits, et celle-ci fait parfaitement le travail.

L’interface est super claire et agréable, surtout l’affichage du montant restant, des remboursements et du suivi global : c’est simple, efficace et vraiment bien conçu. On sent que tout a été réfléchi pour être pratique au quotidien.

Le seul point dommage, c’est qu’il faut payer pour profiter de certaines fonctionnalités, et surtout que l’application ne remonte pas facilement dans les recherches au début, parce qu’elle mérite clairement d’être plus connue.

En tout cas, je valide totalement le concept et le travail derrière cette application. Très belle découverte.

**Developer response:** Un immense merci pour ce commentaire ! Savoir que Credio répond à un vrai besoin et que l'UX a été perçue comme pensée pour le quotidien, c'est la plus belle des récompenses. Pour la visibilité, c'est un chantier en cours. Et si jamais une fonctionnalité vous manque ou si vous avez des idées, n'hésitez pas à me contacter via l'app, je lis tous les retours.

## Frequently asked questions about Credio

### Does Credio have ads?

No, Credio is designed to be completely ad-free. The app explicitly states 'No ads, ever' and 'No tracking, ever' to ensure a privacy-focused user experience.

### What are the subscription options for Credio Premium?

Credio Premium offers two subscription plans: a monthly subscription for $0.99 and an annual subscription for $8.99. These unlock advanced features like unlimited loans, detailed simulations, and PDF export.

### How can I cancel my Credio Premium subscription?

Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. You can cancel your subscription anytime through your Apple ID subscription settings.

### Is Credio available on Android devices?

Currently, Credio is only available for iPhone. The app description specifies it is a privacy-first loan tracker for iPhone and supports iCloud sync across iPhone and iPad.

### How secure is my financial data with Credio?

Credio prioritizes privacy with data staying on your device or in your personal iCloud. It offers app locking with Face ID or a passcode and has no accounts or signups, meaning no personal data is collected.

### How often is Credio updated?

The latest version of Credio is 1.4.1, which was last updated on June 5, 2026. This indicates a relatively recent update, suggesting ongoing development and support.

### What languages does Credio support?

Credio is available in 25 languages, making it accessible to a wide range of users globally. This broad language support enhances its usability for international users.

### What kind of loans can I track with Credio?

You can track unlimited loans, mortgages, personal loans, and other credits. Additionally, Credio allows you to track installment purchases with custom options like emojis and colors.

## Version history (last 5 releases)

### 1.4.3 — 2026-07-30

What's new:

A brand-new welcome screen to get you started
7 days of Premium, on us: simulate, project, save
Squashed a few sneaky bugs Thanks for using Credio!

### 1.4.2 — 2026-07-09

This update did most of its work behind the scenes:
The Premium screen stops acting up: your subscriptions load on the first try, with a handy Retry button as backup.
Light mode is easy on the eyes again — no more squinting at your numbers.
Your PIN is guarded even more closely.
And a solid round of bug fixing, for a smoother app than ever.

### 1.4.1 — 2026-06-05

INTRODUCING CREDIT BUBBLES

A brand new way to track your installment purchases. Whether it's a phone, a vacation, or a new sofa paid over 3 or 4 months, Credio now lets you track each purchase as a beautiful, animated bubble.

— Add any installment purchase in seconds
— Choose a custom emoji and bubble size
— Smart reminders before each scheduled charge
— Drag bubbles to reorganize them on your dashboard
— Watch the celebration animation when each purchase is fully paid
— Include (or exclude) each bubble from your total debt

Perfect for tracking purchases on any installment service or buy-now-pay-later plan.

Available with Credio Premium.

### 1.4.0 — 2026-05-11

This release polishes Credio across the board:
- Fixed the overall repayment percentage shown in the dashboard
- Payment history is now preserved when editing a loan
- New animations on the progress bar and overall counter
- Localization improvements across all 13 supported languages
- Bug fixes and performance optimizations

Thanks for the feedback, keep it coming.

### 1.3 — 2026-04-23

Version 1.2 - major update

WHAT'S NEW
- Polish added: Credio is now available in 14 languages
- Completed loans library: fully paid loans are automatically archived with full summary
- Payment reminders: notification the day before each direct debit

BUG FIXES
- Progress tracking: principal now decreases exactly on the payment day
- Streak counter: consecutive paid months are correctly tallied
- Notifications: now display properly when the app is open
- iCloud sync: payments from multiple devices are correctly merged

SECURITY
- Passcode is now hashed (SHA-256) and stored in the Keychain. Automatic migration on first launch
- Improved subscription verification: Premium status is correctly revoked on refund

INTERFACE
- PDF export fully localized in all 14 languages
- More readable amortization schedule
- Unified branding across the app

Thanks for your support. Credio is built in France by one person. Leaving a review really helps.

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All apps by VINCENT CORBALAN: https://appshunter.io/developer/1788646053

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-01.*