CredoApply vs HLBConnect

The CredoApply demo app is used only by Credolab's Internal Team to conduct product demos to prospective clients. The loan application and scores are for illustrative purposes only and cannot be used to receive credit from CredoLab Pte Ltd.** CredoApply demo is a digital origination demo app published by CredoLab Pte Ltd. It allows customers to select and apply for a loan in real-time. Built on Credolab’s powerful alternative credit scoring technology, the CredoApply demo is packed with mobile intelligence to help manage all steps of the onboarding process in a user-friendly and intuitive way. The CredoApply demo guides customers through the application form, performs anti-fraud checks, and calculates a digital score in a few simple steps and without any friction added to the process. The CredoApply demo allows users to apply for different types of loans depending on the customers’ needs: personal loan, appliances, business, or other needs. The loans have the following characteristics: Loan amount: $50-$3000 Interest rate calculation: (Loan amount / 100) * Loan interest percent * (Loan term* 0.5) Processing fee calculation: (Loan amount / 100) * Loan processing fee percent * (Loan term*0.5) Loan interest percent: 4.5% - 7% p.a Loan processing fee percent: 1.7% - 2.7% Maximum Annual Percentage Rate (APR): 49% Loan repayment: between 3 and 24 months APR Sample: For example, if a customer borrows a personal loan of $1,000 and chooses to repay in 3 months, she shall pay $105 in interest and $38 as processing fee. As such, the customer receives $962, while the total amount due is $1,105. CredoLab respects your privacy Credolab processes only privacy-consented and permissioned metadata. We always ask for your permission before accessing the information on your phone. All information requested is relevant to creating an alternative credit score and detecting potential fraud. For more information on our data practices, please refer to https://www.credolab.com/privacy-policies/gdpr-privacy-policy.

At HLB, it is our purpose to make a positive and sustainable impact on the future of our clients, our people and our communities, because we care about their well-being and success. Our purpose serves as a compass in our decision-making, plays an important role in determining strategic direction and elevates the HLB brand. Fostering relationships with our global community is integral to our purpose and continued success. We are delighted to connect with our HLB People at our conferences around the world. To make the conference experience even more streamlined, we have developed an app which, when downloaded once, can be used to browse sessions and speakers, view your personalised agenda, get real-time updates on schedules and announcements, and connect with other attendees through private messaging and in-app networking tools. With HLBConnect, you can make the most of your conference experience by interacting in live polls to offering session feedback and participating in post-event surveys. Whether you're a first-time attendee or a seasoned conference-goer, HLBConnect is a must have to stay organised, connected, and informed throughout HLB conferences.